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

TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
U S DEPT OF ED/XXXX XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

XX/XX/22 {$370.00} Item was returned and I never got my refund
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, account # XXXX, amount of {$8200.00} reported on XX/XX/2022 XXXX XXXX XXXX, account # XXXX, amount of {$16000.00} reported on XX/XX/2022 XXXX XXXX amount of {$690.00} reported on XX/XX/2022 XXXX XXXX XXXX amount of {$3600.00} reported on XX/XX/2022 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

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FOR XXXXXXXX XXXX XXXX EXPERIAN 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have been harassed by a lawfirm regarding Barclay but had no knowledge of a 3rd party handling this account. I do not feel comfortable giving out personal information to a company I have no knowledge of handling anything related to Barclay.
Product: Checking or savings account

On XX/XX/XXXX I made XXXX {$50.00} transfers and I had the money in my account to cover it. Wells Fargo approved them. On XX/XX/XXXX I had a {$240.00} automatic payment for a loan go through that I forgot about. This payment put me in the negative. Wells Fargo decided to process the XXXX {$50.00} transfers after the loan payment causing me to incur XXXX overdraft fees instead of XXXX. I contacted them but they insisted they did nothing wrong and that they would do a courtesy of waiving XXXX fee. 

Per XXXX XXXX XXXX  own policy, they give a XXXX day grace period to replace funds and I wasn't even given that.
Product: Credit reporting, credit repair services, or other personal consumer reports

The response given by XXXX is XXXX of XXXX is arbitrary and capricious as it does not definitively state the action that was taken. 

The same debt is reported two ( 2 ) times on my credit, by the same creditor with varying names and account information. i.e. 

Account Name Account Number Balance Monthly Payment BMO Harris Bank N.A . XXXX {$250000.00} {$0.00} Harris XXXX XXXX XXXX XXXX {$0.00} - - - In response to my latest complaint, BMO Harris Bank has changed their reporting name on my credit report to Harris T & S ; An entity that I have never done business with. See Exhibit XXXX XXXX XXXX Credit Report vs. Exhibit B-XXXX XXXX XXXX Credit Report. Further, this is a separate legal entity. This is deceptive and problematic. As one can further see, the balance has once again reverting to a balance in excess {$250.00}, 000.00 in opposition to the {$170000.00} amount they allegedly verified to support this information remaining on my credit report. See Exhibit A & B respectively. 

Further, upon closer examination one can see that it is the same debt etc... I reject the contention that Harris Bank or Harris XXXX XXXX XXXX verified this debt. The issue and contention is relative to Harris Bank/ Harris XXXX XXXX XXXX accounting of my account that facilitated the delinquency of the account ( s ) in question. Further, it is fundamentally impossible for them to have verified the account as stated, as by their own admission and conduct stated, in XXXX of XXXX, that they had not previously provided me with any account statements. Also, the check from BMO Harris accompanying the XX/XX/XXXX letter, as a form of restitution, underscores and supports that there was and is outstanding accounting issues. 

In addition, most recently in XXXX of XXXX BMO Harris followed up with a letter in support of the restitution they offered related to accounting inaccuracies in XXXX. See Exhibit C and D respectively. This is clear cut evidence that there are discrepancies. 

Further, it is not reasonable to assert that a company who intentionally provides misleading and patently false information and changes its name to avoid culpability and liability is credible. 
Therefore, Harris Bank has not verified the debt; continuing to report the same debt twice. Under the Fair Debt Collection Practices Act you, as a Credit Reporting Agency, are required to remove erroneous and unverified information from my account. And as a direct proximate of that FDCP Act, I am formally requesting that this erroneous information be removed promptly. 

This is the third ( 3 ) time that I have pointed out these discrepancies and as a recorder of, life determinative, information it is your fiduciary duty to ensure that the information is accurate and correct while following the prevailing statutes and regulations. Failure to do so is a violation of my rights.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following accounts on my credit report. 

Equifax : XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

2nd Attempt : XXXX XXXX XXXX XXXX Resurgent Capital Services Attn : LVNV or Representative XXXX Dear Resurgent : This letter is a reply to your email dated ( XX/XX/XXXX ), in response to my email sent on ( XX/XX/XXXX ). In my email that was dated ( XX/XX/XXXX ), I disputed the Alleged {$820.00} debt that you are attempting to collect. I Additionally requested verification of the alleged debt pursuant to my rights under the FDCPA. I am within my rights of a verification request under the FDCPA, I requested a copy of a signed contract. I Also requested that you cease and desist all collection activity, including credit reporting. I requested that you delete any and all reporting made to any consumer credit reporting agencies. You have clearly failed to address my very specific legal requests and are in clear violation of the FDCPA. 
You failed to obtain and send verification of the alleged debt by not mailing me a contract. 
Instead of sending me a signed contract or agreement signed by all parties involved as requested, I havent received any such thing. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. ALSO, My personal information was released without my consent or knowledge to a third party.

You failed to cease and desist and delete Due to the previously stated, you have caused me and my family additional stress, frustration, credit damage, and costs. You have waived your opportunity to amicably resolve this issue without the need to litigate. I intend to send this matter to an attorney or initiate litigation against you under the FDCPA. Until you are formally served, you may resolve my FDCPA claims by doing the following : ( 1 ) cease and desist collection, ( 2 ) delete all of your credit reporting, and ( 3 ) tender me {$1000.00} U.S. The {$1000.00} U.S. must be made payable to the order of XXXX XXXX within 14 days of receipt of this letter.
Product: Student loan

I attended XXXX from ~XX/XX/XXXX to XX/XX/XXXX. I was in the process of working on my degree when I left to join the XXXX XXXX XXXX. I had to pay back my loan over the next few years. During the initial in-processing to the school they had my mother sign up to what they called the XXXX XXXX ' loan. I'm unsure of the specifics of it, but I believe it basically copied my loan onto my mother in case the loan didn't work for me. Years later the lawsuit against XXXX came about. I'm again unsure of the specifics or if it even resolved. Despite my loan having been paid back in full by this time I was never reimbursed for any amount I gave. Likewise, my mother is still being forced to pay back her 'portion ' of the XXXX XXXX loan. Not only should my portion of the loan be forgiven and reimbursed, but the XXXX XXXX portion should also be nullified and my mother reimbursed.
Product: Student loan

I attended XXXX XXXX XXXX XXXX in XXXX XXXX, Fl for the XXXX program. The school ended up closing down due to Financial Aid Fraud and other unethical issues. I did not receive a diploma of completion from the school or any paperwork stating that I attended XXXX and I also paid a remaining balance of {$1100.00} to XXXX without knowing that the school was going through legal issues and closing down. I have loans totaling over {$16000.00} from a school that 's no longer around.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018, I suffered a debilitating illness and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts/collections with XXXX XXXX and a number of inquires that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed two complaints for the accounts XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that were being furnished with the CREDIT REPORTING AGENCY EQUIFAX and XX/XX/2022 I received a response stating that I DEMANDED BE DELETED FROM MY CONSUMER FILE were sent back as verified. ( I've attached that along side of this complaint as well. 

Pursuant to15 U.S. Code 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair, and accurate. After taking a look at the consumer file and also receiving the response from the credit reporting agency EQUIFAX THEY ARE IN VIOLATION of that.This inaccurate report is unfair to me beaches I was never notified WHEN THIS INACCURATE INFORMATION WAS FURNISHED, and I was never notified when during your companies initial investigation the you were going to report this information.

Pursuant to15 U.S. Code 1681 ( a ) ( 1 ) - This grave error has undermined my confidence in your companies procedures, and as a result of this I will no longer be extending credit, and if this information is not removed I no longer want my information reported in your companies database. 

Pursuant to15 U.S. Code 1681 ( a ) ( 3 ) - Your company assumed this role. You were not given express permission by me, the CONSuMER or a competent court of jurisdiction. SO, not only DID YOU faill in the initial investigation of this information. You also assumed this role, and assumed this information was valid. Which is a VIOLATION OF MY CONSUMER RIGHTS.

Pursuant to15 U.S. Code 1681 ( a ) ( 4 ) - You did not insure this information is accurate, and you did not exercise your grave responsibility with the fairness.
Product: Checking or savings account

All documents will be attached. To summarize : I received replicated Chase " alerts '' from criminals inquiring about various charges, which I did not make. I responded " no, '' whereupon fraudsters texted back ( all nearly precise replications of Chase alerts received in the past ) that " a Chase rep '' would call shortly. Fraudster stating he represented Chase and would work with me to reverse the bogus charges, but instead created a " wire template '' and made XXXX wires out-of-state, liquidating my checking account of {$110000.00}. - cash being accumulated in connection with upcoming daughter 's wedding and my mother 's funeral ( my mother, as expected passed away a few days later - see death notice ). After the call was concluded, I immediately noted the fraud and my wife and I rushed to the Chase XXXX XXXX branch XXXX. ALL XXXX WIRES WERE MARKED " PENDING. '' XXXX registered fraud complaint and froze account. Wires were marked pending on my Chase App through that night. We were then informed a day later that the wires were claimed. On XXXX XX/XX/16, in the presence of my wife and me, the manager, XXXX XXXX XXXX, was informed buy the fraud department that our funds would be returned to our account within 2 days. Instead, 2 days later, we received a defamatory letter ( attached ) stating that we either " benefitted from this fraud, '' or " authorized it. '' Furthermore, a Chase representative suggested that I had an interest in the XXXX accounts to which the funds were wired ( I have never in my life had any account with XXXX ). We remain in limbo. These funds are essential and have been saved for my daughter 's wedding. I would like to note that I am a XXXXregulated employee at my place of employment AND a Chase private client. Aside from Chase 's failure to make me whole, the treatment and the inability to reach anyone of substance to deal with my case other than the branch manager is wholly unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax!!!! Please do what XXXX, and XXXX have done with these fraudulent accounts. Remove them!!! Why haven't you removed these fraudulent accounts from my credit report after the creditors have admitted that they were not opened by me?? XXXX deleted the accounts, XXXX deleted the accounts, what the XXXX are you waiting for?? It's affecting my ability to purchase my first house!!!
Product: Credit card

I made a payment of {$100.00} on my credit card. I had a promo balance of {$4600.00} with 0 % interest. I made a purchase for {$25.00} on XXXX. I made XXXX payment that should have covered the balances of the the {$25.00} charge. Payment dates were XXXX for {$25.00} and XXXX for {$100.00}. I minimum payment was {$67.00} that month. I was charged a minimum interest fee of {$.00} on a balance of {$.00}. I think that charge is unfair and they refuse to refund me the {$.00}.
Product: Debt collection

Sometime in 2019, I lost my wallet with all of my personal details. I had bank accounts and credit cards opened in my name, my identity was stolen. I have attempted to fix this issue with XXXX XXXX  and LJ Ross Associates to remove this from my credit report several times. I have gone on identitytheft.gov and filed disputes through XXXX  and this issue is still persisting. I have never had a bank account with XXXX XXXX. The address, phone numbers and emails that XXXX had on file did not match with any of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX SS XXXX DOB XXXX The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX UNKNOWN INQUIRIES : XXXX XXXX ; XX/XX/XXXX XXXX, XX/XX/, XXXX & XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XX/XX/XXXX XXXX XXXX, XXXXXX/XX/XXXX XXXX XX/XX/XX/XX/XXXX XXXX XXXXXX/XX/XXXX All other addresses are not accurate. 
Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX This is my only number XXXX All other telephone numbers are not accurate. 

Please REMOVE/DELETE these telephone numbers IMMEDIATELY :
Product: Credit card or prepaid card

Someone stole my unemployment benefits off my Bank of America card. I faxed in a fraud report, a police report, a copy of the mailbox replacement report from my apartment complex manager an XXXX report my California drivers license and a edd fraud report along with a detailed email with dates included of all details and time frames of the situation at hand and nothing has been resolved. Ive been at this for almost a year. I first filed the police report XX/XX/XXXX and I finally was able to log back in with the help of boa and see the damage being done to my account and see what forms and documents I would need to prove the facts. By the time I obtained everything needed and filed my first claim which was XX/XX/XXXX all my claims were being denied within weeks and days of the claims Being opened without reason besides the dates being old which was due to Bank of America not giving me the proper information needed to present the situation properly. I find it unfair that I filed for unemployment for XXXX XXXX for my daughter and she is now XXXX and still no resolution or help with fixing the issue at hand. Its been a long journey and I just want matters fixed in a timely manner its already been months.
Product: Payday loan, title loan, personal loan, or advance loan

I took this account out with Enerbank USA in XXXX of XXXX to do a waterproofing of my basement. The amount I financed was approximately {$9000.00}. It is now XXXX and when I access my account and look at the statements, I still owe around {$8300.00}. I have paid every month, on time. I am being ripped off. At some point, the amount I owe should have decreased. It should be half of that at least by now. I tried to speak to someone at the company and was given no real answer. I tried to get information, and they had changed their system, and I had a hard time accessing things. The website doesn't let you access all your information. I can only go back to XXXX, and I can only see part of the information on the site. I called about that and was not given a clear answer either. I feel at this point I will be paying for this for the rest of my life, and no one will tell me anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a background check done by Sterling for a hotel who offered me a position.They emailed me and gave me a link to click on to view a copy.The information on this report was false.I have never been Charged as a XXXX offender.This is ruining my life.i cant get a job, and i cant apply for housing.The statement is false, and it left out some things that were in my XXXX  history.I had a background check done 3years ago and this information was not on there.Please help me.this false information is ruining my life.