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

I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile. Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on deaf ears. It is important for you to understand that by law, you are required to take immediate action upon receipt of such requests. Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. Equifax Information Services LLC ( XXXX XXXX XXXX  ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in Fisher v. Equifax Information Services LLC ( XXXX XXXX 2018 ), they may be liable for false reporting. By law these should be deleted because I have proof that they were also deleted from the other credit bureaus.
Product: Vehicle loan or lease

XX/XX/year> my car loan was sold to another company when I received the information through email only I wasnt aware there was a charge on this new company. I sent a letter and asked this company if they were now going to be my new loan company by law after asking an attorney, they needed to submit a new contract with their business name. They did not. They have refused to give me a new contract or a contract with their business name. They keep sending me the old company, which no longer exist, they also sent me a letter stating that my next car payment was going to be due on XX/XX/XXXX then I get a call that Im late to car payments after making my payment on XX/XX/XXXX and I have the letter they sent me I tried to resolve this many times, and Was not successful. They have contacted me XXXX times when they have a cease-and-desist letter asking them any information or correspondence be done through mail not through email not through phone calls. Ive asked him to an email yesterday not to be calling me. I had XXXX calls today and all hours not only have they violated my consumer rights, I believe theyre nervous because I have indicated through email I was going to report them to all federal agencies and if necessary go forward with litigation
Product: Debt collection

I do not owe this debt. I asked for information under the fair reporting act. Also requested on a number of occasions information to verify account information pursuant to [ Section 609 ]. All lawful verifiable information must include the signature of party in contractual agreement. The contract must be valid pursuant to NJ State law as well as to the Uniform Commercial Code. This company refuses to provide proper documentation and verifiable information pursuant to law and are in violation. The document forwarded to XXXX XXXX XXXX 's agency did not offer a signature, nor a copy of any verifiable information and must be removed. A cease and desist must be in order. This company 's practice is obstructive to my ability to obtain credit and they do not have my permission or authorization to report to any bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Innovis has been told several times that the XXXX account ending in XXXX was opened fraudulently. In spite of this, the company has reinstated the account on my report. However, the credit grantor has removed this account as fraud from my report. Innovis must not report any XXXX account opened in the date of XXXX XXXX. If innovis reports another XXXX account opened in XXXX XXXX, I will sue for violation to the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX : Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. state 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 an account without my written instructions. 

I told Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX XXXX : Account XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date and date of last activity and much more is incorrect. According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to and consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

This case involves a mortgage and foreclosure threat, identity theft, credit card fraud, cross border transactions, and financial abuse. It involves Chase, XXXX XXXX, and XXXX, among other institutions. 

1. I own a home - XXXX XXXX XXXX, XXXXXXXX XXXX XXXX - and am on the title and deed. The co owner of this home, XXXX XXXX XXXX, refuses to inform me of the status of his mortgage and several banks have threatened to foreclose on our house. After paying XXXX XXXX to stop the auction of our home, I discovered that XXXX XXXX had been sending XXXX XXXX checks while threatening to foreclose. I do not know the status of XXXX XXXX Mortgage and of the home financing and insurance, and the divorce court in XXXX can not help. Index number is XXXX. I do not know where to turn. 

2. Several trespassers have appeared on the property above stating that they were with the bank or looking at notices on my door, including XXXX XXXX XXXX tonight. 

3. There have been outflows from a marital 401k acount at XXXX XXXX to chase - to XXXX XXXX chase account and then to XXXX XXXX XXXX who resides in the XXXX and XXXX, upon belief. 

4. XXXX XXXX also opened a Chase credit card account under my name and social security number without my knowledge and authorization ( as already reported to the CFPB ) and after this was discovered, Chase refused to provide details to my attorney ( XXXX XXXX XXXX. My credit score has been negatively impacted by both the potential foreclosure of my home and by the fraudulent chase credit card account. 

I am in finance and would like advice on how to resolve these issues, so that my career and reputation are not impacted.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at approximately XXXX XXXX  my phone stopped working. 
I contacted XXXX XXXX XXXX which took several hours and they told me that my phone number was ported to XXXX. I asked who authorized the port and they said I did. I asked what is needed to port the phone number. They said on business accounts you need. 
Business name - Public information Business Address _ Public Information Tax ID # - Public information Cellular account # They would not allow the reversal because the number was no longer associated with XXXX XXXX XXXX. 
I had to go through a Fraud process and XXXX XXXX XXXX had to request it back from XXXX. 
I also called XXXX and pleaded with them that my number was illegally ported and if they could at least suspend the number. No one would help. 

Meanwhile the hacker at XXXX XXXX  initiated a password reset of my email account and a password reset of and a transaction at Coinbase. 
According to coinbase rules and regulations, when there is a password reset, and a transaction is initiated from a new device, there is a mandatory 24 hour hold on the transaction to avoid any type of fraudulent activity. I contacted coinbase within 90 minutes of the hack. 
The hacker also set up a XXXX on my email account so I was locked out. 
My computer at work was fortunately still logged in but I had to wait until the next morning to check it. Meanwhile I made a support ticket at coinbase and notified them that my phone and email had been hacked and to freeze my account. I did this at around XXXX XX/XX/XXXX. 

Coinbase responded at XXXX XXXX  on XX/XX/XXXX confirming my request. 
Coinbase  sent me an email at XXXX am XX/XX/XXXX - stating they were working with a specialist to address the issue. 
The next morning I checked my email at work. My computer was still logged inland I was able to check the activity that the hacker did, but was unable to take control back because of the XXXX. I found some information on the hacker. 
Email : XXXX Platform : XXXX Browser ; XXXX IP Address : XXXX I sent this info to coinbase at XXXX XXXX  XX/XX/XXXX They responded at XXXX XXXX  XX/XX/XXXX With the same generic email, stating that a specialist was working on it. 

Since then they have been non responsive. 
I have a police report, I contacted the FBI, and now in need of your help. 

To date there is over {$600000.00} in cryptocurrency that is missing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Recipient Name or Department XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, PA, XXXX ] Subject : Fraudulent Account Dispute Dear XXXX XXXX and co or " To Whom It May Concern '', I am writing to dispute an account that appears on my credit report ( or statement ) and that I believe has been opened fraudulently in my name. I discovered this account on [ date you discovered it ], and it has caused significant concern. 
Details of the fraudulent account : Creditor/Company Name : XXXX XXXXXXXX XXXX XXXX  Account XXXX : XXXX Amount : {$2100.00} Date : XX/XX/year> I did not open this account, nor did I authorize anyone else to do so on my behalf. This account is not mine and should be removed from my records immediately. I have taken steps to protect my identity, including filing a police report ( if applicable ) and placing a fraud alert on my credit file with the major credit bureaus. 
Enclosed, you will find the following documents to support my dispute : A copy of my government-issued ID ( e.g., drivers license, passport ). 
A copy of my credit report highlighting the fraudulent account. 
A copy of my police report or FTC XXXX Theft Report ( if applicable ). 
Any additional documents you require to verify my claim. 
Please investigate this matter and remove the fraudulent account from my records. I request that you provide me with a written confirmation of your findings and actions within 30 days. 
If you require any additional information, feel free to contact me at [ your phone number ] or [ your email address ]. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

In XXXX 2015 I set up a settlement with Midland Credit Management ( Midland Funding LLC ) for a debt they bought from XXXX XXXX XXXX. I paid the agreed settlement in XXXX 2015. I received documentation for the settlement agreement and that it had been paid. This company is still reporting this account open to the XXXX credit bureaus. I have disputed this with the credit bureaus and the company still maintains that I have balance due. When I called the company and spoke with Consumer Affairs division, they claim that the Internal Legal department has not notified them the debt has been paid. I have spoken to the Internal Legal department who indicated that the account is closed and there is nothing more they can do for me. In the meantime, this account is still showing open with a balance on my credit reports because even after I provide documents regarding the settlement and that it 's paid from this company. The company keeps reporting differently.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 ) ( 1 ) 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Restricting access to my file disclosure. 

I sent my request via mail, on the phones, and use of the internet. 

Additionally disputes are taking place that I didnt request. 

Equifax has allowed me no more than a half hour today to be online. Then it shuts down and says to call. 

Now wont even take my call till I resend more paperwork. 

I believe there is inaccurate information that is being used against me on my file. 
Additionally I was involved in the XXXX  data breach. 

I am a victim of ID theft.
Product: Debt collection

I am contesting the account with XXXX XXXX XXXX. It is an account that was opened without my consent. It is showing a balance of {$840.00} with a {$500.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 168 % usage. I need Experian and XXXX XXXX XXXX to correct this account on my Experian report. I should not owe XXXX XXXX XXXX anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian Report and corrected.
Product: Debt collection

On XX/XX/XXXX my XXXX account was sent to collection for nonpayment. It was eventually settled and the account was paid for less than the full balance to Debt Recovery Solutions LLC. Debt Recovery Solutions LLC. stated and posted the date of the debt as XX/XX/XXXX, this is incorrect. The date of the original debt is XX/XX/XXXX. It is still on my credit report as a result of this error and it should be removed from my credit report as it is beyond the reporting time period.
Product: Debt collection

I owe a debt to XXXX XXXX. The debt is now with Ad Astra recovery. They took the debt XXXX of XXXX. After two years they attempted to take the funds out of my checking account without any authorization or notification. They took XXXX $ and two other transactions were returned for insufficient funds on XX/XX/XXXX. I am a XXXX veteran who needed this money to make it through the rest of the month of XXXX. I attempted to call Ad Astra recovery to get my money refunded and they said they would not refund it. They have never once tried to contact me. And after 2 yrs of having this debt they attempted to collect it from my checking account. No authorization for this company to collect this debt from my checking account. This was my XXXX from the VA they took from my checking account.
Product: Credit reporting

My student loan company ( XXXX ) reported I was late with my payments XXXX times back XX/XX/XXXX, XX/XX/XXXX. At that time I had several XXXX, was not working, no money coming in. I called my student loan up & they granted me a temporary medical forbearance ( unsure what it was called ) good for 6 months which I renewed several times since I ended up having XXXX XXXX & not working almost 2 years. They were aware of the situation-I even offered a doctor 's letter, which they refused. Since then I have recovered, went back to work and have not missed a payment but this is impacting my credit score ( along with medical bills that were to be paid by the fault of the other insurance ) & I can not get a loan anywhere at a decent rate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report regarding my XXXX XXXX account ( Account number xxxxxxxxxxxx XXXX ). Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I request an immediate investigation and correction of the following discrepancies : Incorrect Late Payment Reporting for XX/XX/year> : One credit report lists my XX/XX/year> payment as 60 days late, while another states it was only 30 days late. 
Per 12 CFR 1022.42 ( a ) and FCRA 611, furnishers must provide accurate and verifiable information. I request a correction or deletion of this inaccurate record.

Account Dispute Status Omitted on One Report : My account is currently under dispute, but one of my reports fails to indicate this.

Per FCRA 611 ( a ) ( 1 ) ( B ), disputed accounts must be flagged accordingly during the investigation. I request that this be updated immediately.

Inconsistent Payment History Reporting : Some months in my payment history are missing or displayed differently across reports.

Under FCRA 623 ( a ) ( 1 ), furnishers must ensure information is complete and accurate. 
I request that XXXX XXXX investigate these discrepancies and provide documentation verifying the accuracy of the reported information. If verification can not be provided, I demand the correction of these inaccuracies per the FCRA and 12 CFR Part 1022.

Please provide a written response confirming the resolution of this dispute within 30 days as required under FCRA 611 ( a ) ( 1 ) ( A ). 
Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide updates at your earliest convenience. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion has repeatedly kept an inaccurate collection utility account from XXXX on my credit report, despite ( XXXX ) XXXX having admitted that the account was never sent to collections, and ( XXXX ) XXXX 's having failed to provide Transunion with any documentation reflecting a collection account ( because none exists ). Multiple attempts to correct this error have been refused by Transunion. After the latest attempt, Transunion " updated '' my account to reflect the XXXX account has having occurred in XXXX of XXXX, rather than in XXXX of XXXX, resulting in a significant reduction in my credit score due to the reported recency. This is despite the fact that the final payment on this account ( of {$63.00}, for a post-account closure bill that was never received ), was made in XXXX of XXXX, and I have had no business with this company since then. Transunion is thus now falsely reporting that this account was delinquent well over a year after the final payment was made, apparently as a punitive response to my disputing the errant collection account designation in the first place. Transunion is also no longer showing the {$63.00} amount, which potentially falsely indicates a substantial final balance.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax to rectify these inaccuracies, but they seem to not want to respect my rights as a consumer as I demanded they be DELETED immediately due to the fact that I didn't recognize them and they are causing distress in my daily life. I have reviewed my credit report and have confirmed that I did not initiate these inquiries nor have I given consent for any institution or individual to access my credit information on the mentioned dates. These unauthorized inquiries have raised serious concerns regarding the security and accuracy of my credit report. The inquiries in question are as follows : XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXXXX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Nothing! I tried to find out information on who, and why they were on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to express my disagreement with the existence of several entries on my credit report that I consider to be fake. Although I've challenged these issues in the past, my credit report still has them. In compliance with Fair Credit Reporting Act ( FCRA ) Section 605b, I demand that these items be deleted right away. You are aware that under the terms of FCRA Section 605b, any information that is untrue, incomplete, or impossible to verify must be promptly deleted from a person 's credit file. The items in question are fake and do not accurately reflect my credit history, so I think they fit under this category. I ask that you take away the following things : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX Inquiry : XX/XX/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. I have contacted the creditors and filed police complaints, among other actions, to dispute these matters with the appropriate persons. But despite my best attempts, these things are still listed on my credit record. I ask that you look into this issue more thoroughly and delete these false entries from my credit report as soon as you can.