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

I have submitted letters to all 3 credit bureaus and to the creditor them selfies to dispute these items on my credit file. They have not responded a letter was sent to all parties involved on XX/XX/19 and no action has been taken nor was it removed or corrected all document proving my case was submitted as well. There are 2 accounts listed on my credit file with the exact account number being reported as a duplicate with incorrect information the account should be reported all 3 CB under XXXX/XXXX XXXX the amount/High credit limit and past due amount are incorrect. XXXX  XXXX XXXX has my information on CF reported incorrectly with duplicate accounts 2 separate account numbers which is making my CREDIT UTILIZATION higher than it should, all information is listed incorrectly on report. XXXX XXXX is reporting incorrect information on my credit report to all 3 CB the account status is listed incorrectly and the MONTHLY PAYMENT IS LISTED AS $ XXXX/MONTH which is INCORRECT. Another DUPLICATE account listed on CREDIT FILE XXXX XXXX  and XXXX WITH THE EXACT SAME ACCOUNT NUMBER ALL INFORMATION REPORTED IS INCORRECT, this account had been paid and and there is not a past due amount as XXXX  is reporting. XXXX XXXX XXXX is reporting INACCURATE INFORMATION ON CF. XXXX XXXX XXXX REPORTING INACCURATE INFORMATION UNDER XXXX  this account is closed not open. XXXX located on credit file doesnt belong to me I have never had an account with this XXXX  or XXXX   XXXX.
Product: Debt collection

I have asked them to stop calling me every hour every day. I have told them I wanted a signed contract with my signature where they say I owe them for a debt.
Product: Debt collection

For the past three months, I have called every possible number to verify this debt. Each representative I speak to states that I do not have a charged off account to get more information. My credit reports show the same # but when I call nothing can be verified or brought up in o show I have this debt. I am trying to get the information removed from my credit report but while trying to speak with the credit bureau and the disputes are sent are being verified but by who? I have not received any communication written or a call from Sync/Walmart and it has been over 5 years this has been sitting on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry from ALLY FINANCIAL that happened without my consent, and to a large extent. XX/XX/2022 XXXX unrecognized hard pulls. 
XXXX XXXX XXXX XXXX 2 hard inquires I was no aware of. 
XXXX 3 unrecognized hard pulls. 
XXXX XXXX XXXX  Hard inquiry reported on my credit profile without my approval. 
XXXX XXXX- unapproved hard inquiry reported on my account XXXX XXXX XXXX XXXX XXXX unapproved hard inquiry on my account XXXX XXXX XXXX hard inquiry on my profile without my consent
Product: Debt collection

I received a few calls to my work phone on XX/XX/XXXX. They were confusing messages with a website left. I looked for the website and company name, they do not exist. They mentioned XXXX XXXX, so I spoke to them and was told no debt was owed. Then, I called the phone number to straighten things out. 

Call 1 : https : XXXX They have no idea why I am even calling, and having issues even pulling up an account for me. Please keep in mind, this is after numerous calls to my work phone and telling them via text not to call or text me on there. Obviously, there is bad language. 

Call 2 : https : XXXX Call 2 ( part 2 ) : https : XXXX In these recordings, I tell them they have not proven the debt is real and the agent agrees on the phone that I do not owe this debt after XX/XX/XXXX. 

I have told them numerous that I do not owe this debt, they agreed that after XX/XX/XXXX the debt would be " written off '' due to state laws of the debt being owed. This is not allowed to be reported onto my credit report or tried to gain recovery for this unknown, unproven debt. It is time barred. 

It is up to them to prove that I owe this debt. They have not done so in over 4 years. I am also not required to update my information with them. I also informed them via phone not to contact my work phone anymore, and received several text messages from them AFTER speaking to them. 

Screenshots of text messages ( these were sent after both phone calls ) : XXXX : XXXX I've never even had an XXXX done on my XXXX, and I have only their word to go off of for what it was for. Any bills from XXXX XXXX XXXX were paid in full, and I have receipts for all bills from them. 

Utah is a one part consent state. These recordings and screenshots are 100 % legal.
Product: Debt collection

Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 
. 

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ).

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Product: Debt collection

XX/XX/XXXX IC SYSTEMS INC placed a collection account on my credit bureau reports for {$320.00}. I wasnt contacted by this collection agency or notified of this. I never owed the debt claimed, there was a clerical error in XX/XX/2017that I provided proof it was a mistake resulting in being fully resolved. I now have a new collection agency attempting to collect an old debt, never owed from 3 1/2 years ago. I filed disputes with XXXX  & XXXX  with no result. There isnt any way to LEGALLY document proof of this debt because I never had an account with XXXX  during the time period. I had an account with XXXX XXXX before they were bought out or merged ( not sure of specific business standing ).
Product: Credit reporting or other personal consumer reports

Fair and accurate credit reporting is essential to the financial system, according to the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). The efficiency of the banking system is directly hampered by inaccurate credit reports, and unjust credit reporting practices erode public trust, which is necessary for the banking system to continue operating.

Therefore, the effectiveness of the banking system is hampered anytime there is a breach of the FCRA. Since I have choice over what is and is not included in my consumer report, this is a breach of my privacy. Identity theft occurs if any accounts are reported without my express written approval.

Both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 are broken by this.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hope that these accounts late will be removed. 
XXXX XXXX XXXX XXXX Balance : {$4200.00}, XXXX XXXX XXXX Balance : {$29000.00}
Product: Checking or savings account

I had a Discover XXXX checking account for 2 years. All of sudden my account was closed without any explanation. I have a balance of over {$10000.00} which they stated they could issue a check for in 60-90 days. Ive tried to resolve the issue by offering to provide any information but its been unsuccessful. They are making feel like I did something wrong when I havent.
Product: Credit reporting or other personal consumer reports

There are soft and hard inquires on my report that needs to be removed. According to FTC if an inquire was reported and not used it can be removed upon require. I have a lot of closed accounts, paid off accounts that are still being reported. Can those inquires please be remove since no further action was needed from them. I was told if a creditor runs your credit and it was not approved for it, it should not be reported on your account if there was no further use or action.

US Dept of EDXXXX was Paid Closed. 
XXXXDept of ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Opened, Unknown account, do not recognize. Paid Closed XXXX XXXX XXXX XXXX  Paid Closed XX/XX/XXXX XXXX XXXX XXXX XXXX Paid closed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Opened, Unknown account, do not recognize XXXX XXXX Paid Closed XX/XX/XXXXXXXX XXXX XXXX Paid Closed ( All of them are paid closed ) XX/XX/XXXX Spouse or Co-Applicant : XXXX ( I don't know who that is at all ) I am a single woman never been married. 

And the only legal name I use is XXXX XXXX XXXX
Product: Mortgage

i made withdrawals for XXXX in XX/XX/2017 and in XX/XX/2017 can you identify where the money was applied
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I was following up on a rental in XXXX New Mexico within XXXX XXXX. He essentially told me that he would let me move in to his home XXXX XXXX XXXXXXXX XXXX when I paid deposit and first month 's rent which came to the total of XXXX afterwards XXXX then proceeded to tell me that his attorney who was unnamed at the time required him to acquire of me to pay 3 months rent or 2 months rent I agree to pay 2 months rent and I paid him on zelle a money transferring app through my bank. XXXX said that this was okay and said that my keys would be delivered after I had paid set amount but once I paid the amount I was blocked and disconnected with any conversation from XXXX. Through the entire situation XXXXXXXX XXXX had me send money to many different numbers. He had me ( through zelle ) send XXXX $ 3 times 2 times to one XXXX XXXX XXXX and another time to a XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately from XXXX XXXX XXXX account # XXXX the account reported two late payments that was not accurate and need to be update.

First one is XX/XX/XXXX, the second one is XX/XX/XXXX I've been paid one time and I was not late on the date I mentioned above. 
Please update my payments to paid. 
THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, has violated my rights. 

XXXX5 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 card or prepaid card

I had a XXXX  prepaid card and had several foreign transactions that were unauthorized I disputed the transactions totaling {$1300.00} they promised the issue will be resolved within 10 business days which was supposed to be set for XX/XX/2018 I called and the company told me it won't be resolved until XX/XX/2018 almost 5months! From my initial dispute date I want a full refund from this company they closed my account so I cant receive my provisional credit I need you to step in thanks. You
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage with XXXX XXXX and they have reported me to the credit bureaus for not making payments. I have made every payment this year and XXXX  XXXX just made 3 more payments for me. 
I have been turned into the credit bureau each month since XXXX, stating that I have not made my mortgage payment. Currently I should be 2 payments ahead. I had a credit score of XXXX and now its XXXX, each month it keeps going down. I called several times, I had one call back and they said they were going to fix this mess, nothing has happened for 5 months. I called again and they said that my credit would slowly fix itself, it just keeps getting worse. They ruined my credit score and refuse to correct this error. They closed my on line acct so I cannnot even see my acct. XXXX they said that if I did not make over XXXX in payments I was going to loose my home. Attached are proof of my payments and XXXX  XXXX payments they made for me.
Product: Debt collection

MCA Management company is a collection agency NOT licensed by the IL Department of Professional Regulations attempting to collect a debt I DO NOT owe. I am attaching a screen grab from the IL dept of Professional ref website license look up.
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 : US DEPT ED XXXX Balance Owed : {$1800.00} US DEPT ED XXXX Balance Owed : {$1900.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$430.00}
Product: Credit reporting or other personal consumer reports

Experian disputes have not been investigated correctly and they failed to prove information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Transunion XXXX XXXX XXXX  XXXX, XXXX  XXXX DOJ STATE OF OREGON DIVISION OF CHILD SUPP. XXXX XXXX XXXX. XXXX, XXXX  XXXX Re : Account : # XXXX Account # XXXX Account # XXXX Pre-Arbitration Notice To whom it may concern, I have been hired to represent XXXX XXXX XXXX in this matter. We have authorization from the client to communicate with you and settle claims on his behalf. 
This notice shall serve as a notice and cure as well as a pre-arbitration notice. Attached is a copy of the true and accurate complaint which is intended to be filed with the arbitrating venue. 
Please note the allegations stated herein are pending the re-investigation results from Transunion. 
Claims and relief can be found in the attached complaint. We are looking to handle this matter quickly and amicably ; however, we are prepared to file with the arbitrating venue in the event that we are not able to resolve this matter. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX in accordance with the Fair Credit Reporting act 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 my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX i paid in XXXX XXXX XXXX is not reporting correct as the virus effected accounts with XXXX XXXX. i have paid all payments on time. I have not had late payments
Product: Money transfer, virtual currency, or money service

I am writing to formally express my Ciceros regarding Zelle Handling Disputes Particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite-using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed XXXX investigate my claims adequately.They informed me that recovering the lost funds where impossible and tracking these transactions where unfeasible.Zelle has neglected customers concerns
Product: Credit reporting, credit repair services, or other personal consumer reports

As already documented my identity has been compromised and the aftermath has left my credit files with unauthorized accounts as well as the inquiries that I'm respectfully demanding be removed due to the fact they are unknown and unauthorized by me. Please remove the following inquiries immediately. 

1. XXXX XXXX XXXX ) 2. XXXX XXXX XXXX XXXX XXXX ) 3. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) 4. XXXX XXXX XXXX ( XXXX ) 5. XXXX XXXX ( XXXX ) 6. XXXX XXXX XXXX ( XXXX ) 7. XXXX XXXX XXXX  ( XXXX ) 8. XXXX  XXXX XXXX  ( XXXX )
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, Transunion, and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax, Transunion, and Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's, Transunions and Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against Equifax for similar violations XXXX I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the addresses I do not recognize are continued here. 
XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Had a horrible experience wit h Citibank an d having been trying to resolve since  XXXX     2016. Spo use opened a credit card in my name and bank did not get routing number correct for auto payment. Which turned in to two months  of non payment. Recieved a phone call finally in  XXXX  of past due amount and upon confirming I do indeed have account with them paid it immediately and was advised no negative action would be taken if paid in full that day. I was lied to and they ended up sending it to my credit report which negatively impacted m y credit score goi ng from  XXXX  down to  XXXX . Numb er one the y never confirmed I am th e one opening said such account and number two state d they would not report this do to a clerical error. They refuse to remove the negative comment and state they sent emails of past due amount. I admit there is email after going back to history but since I never opened the account fiqured it was fraud and someone trying to get my personal information. Please look into this as I am sure I am not the only one they are doing this to.
Product: Credit card

On XX/XX/XXXX I saw a purchase for {$1800.00} by XXXX which I did not authorize or make I immediately reported it as stolen as I could not find my card and provided all the information I could. On XX/XX/XXXX I was notified that the transaction was not fraudulent which amazed me and I immediately asked what I could do to prove it was, they said they felt they didnt have enough information when I provided everything I could as i have no idea who would even do this Ive never used the card for a transaction that big in the first place or with a merchant named XXXX so it amazes me how a transaction like that was cleared as it doesnt reflect my spending pattern. Robinhood is refusing to give me back my money and I had to pay it to avoid interest while I maintain that this was fraudulent I dont know what more else I could do to get this reversed as this clearly wasnt me, the location alone was a clear indicator the transaction was in XXXX I am from the XXXX XXXX not XXXX XXXX this was someone stealing my information.
Product: Vehicle loan or lease

I bought a used car. I would have paid {$42000.00} for a used car that was worth {$8000.00} at the time of purchase. I bought gap coverage car insurance and had an accident that totaled the car. The insurance company paid approximately {$5600.00} plus additional {$1200.00}. On the car loan. I have paid {$740.00} for over a year. Now the financial situation says I still need to make the payments on the loan. For the balance of the loan. If I make the payments the car would end up costing XXXX more that the value. With XXXX months of having the car I had to put {$3200.00} into the car to keep it on the road. I think the amount I will pay for the car was to much money.