23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at account SEQUIUM ASSET SOLUTIONS , LLC on XX/XX/2024 with a balance of {$1100.00} that appears related to the aforementioned personal loan account at unknown, a collections account opened at XXXX XXXX XXXX on XXXX XXXX with a balance of {$7000.00} that appears related to the aforementioned rental of apartment or house account opened at XXXX XXXX XXXX, another collections account opened at XXXX XXXX XXXX XXXX on XX/XX/2024 with a balance of {$3500.00} that appears related to the aforementioned rental of apartment or house account opened at XXXXXXXX XXXX XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud, I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

attachment : pg XXXX shows credit of disputed bill - pg XXXX new address and account # with disputed amount credited - pg XXXX previous account number will bill in dispute. ///// I disputed this bill and was given credit on my account. It was a move and transfer request that was fouled up by XXXX XXXX XXXX. The credit amount ( XXXX ) is not exact because of taxes or some other internal computer function, I suppose. Stellar Recovery also rounded to the amount owed as {$67.00}. 
When the issue was correct at the XXXX office with a representative I showed her the notice that it was going into collection but they did not follow through as they should have.
Product: Debt collection

Innovative Recovery, Inc. reported on my credit reports a {$340.00} balance allegedly due for a former apartment I lived in and moved out of two years ago. I have never received written notification of this debt and have disputed the collection accounts with one request to validate the debt. All three credit bureaus have failed to remove the debt, citing that they " verified the debt belongs to me ''. I am asking for Innovative to either provide me the written verification or remove the entry.
Product: Credit reporting or other personal consumer reports

I hope this message finds you in good health. I am writing to express my extreme frustration and dissatisfaction regarding the repeated and unsuccessful attempts I have made to remove fraudulent items from my account with XXXX and Transunion credit bureaus. Despite my multiple requests for assistance, these unauthorized charges and items continue to plague my account, causing significant distress and financial hardship. 
I have made numerous attempts to address and rectify the presence of fraudulent items on my account, including : Despite these persistent efforts, the fraudulent items remain on my account, and my concerns have not been adequately addressed. 

As a result of these ongoing issues, I have incurred unauthorized charges and fraudulent items on my account, which have caused both financial and emotional distress. Some of the specific fraudulent charges and items include : I am formally requesting the following actions to be taken with immediate effect : A comprehensive investigation into the origin and persistence of fraudulent items on my account. 
An explanation for the continued occurrence of these issues and a concrete plan for the complete removal of all fraudulent items. 
The full reversal of unauthorized charges and the removal of all fraudulent items from my account. 
Implementation of robust security measures to prevent further fraudulent activity on my account. 
A written response outlining the specific steps you will take to resolve this matter within 15 days of receiving this complaint letter. 
Failure to address these concerns and provide a satisfactory resolution within the stipulated time frame will compel me to escalate this matter to higher authorities, including regulatory agencies and legal channels. Kindly help me remove the following fraudulent items : XXXX XXXX XXXX XXXX, AR XXXX XXXX WE XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXXXXXX XXXX Owed : {$680.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXXXX/XX/2022.
Product: Credit card or prepaid card

I am writing this because I have been a victim of identity theft and I did everything I could so far to resolve the issues but at this point I want the proper authorities to conduct the investigations with the banks. I have been a victim of identity theft, with multiple banks. On XX/XX/2022, my real estate broker and I discovered of this issue after the broker conducted a financial background check to analyze if I'm eligible for a real estate loan or not. He discovered that there are XXXX judgments pending from XXXX XXXX and Union Bank. I contacted both creditors because I never conducted any business with these banks. I had to inform them of the identity theft because they cooperated with identity thieves to open these accounts without my consent and authorization. Both banks initiate what they call a dispute to remove and delete the account from their systems and the balance. In addition, purge my personal information from their banks since I never associated with them or conducted any form of business. Couple weeks go by and I had the please to speak with a financial crimes investigator from Union Bank requesting additional documentation. I sent her whatever she requested. I sent her a signed and notarized affidavit, my identification card and my social, an FTC report also. In addition, I picked up the court documents to learn what was happening because I was never served any documents. In addition, they are claiming that the information that was used it was used for a business loan or a business line of credit. I do not even own a business and yet it shows that there is a business line of credit under my name. I informed them of this issue and they claimed to understand that I have been a victim of identity theft. They were supposed to send me a reply within a month and Union Bank Financial Crimes Investigator XXXX XXXX was supposed to remove and delete the account because the account was opened due to identity theft and fraud. Union Bank and XXXX XXXX both cooperated with identity thieves to open fraudulent and falsified accounts using my name, social security, date of birth. I am not the responsible party for these accounts because I have never associated with these banks. I would urge people to check their information more and more and to play a lock at the in order to not become a victim of identity thef with some random financial banks.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Accounts Request for Investigation and Removal Dear TransUnion, I am writing to formally dispute the inaccurate reporting of the following accounts on my credit report. These accounts are either unverifiable, inaccurate, or have not been validated as required by federal law : Accounts in Dispute XXXX XXXX Account # : XXXX ) XXXX XXXX ( Account # : XXXX ) XXXX XXXX ( Account # : XXXX ) XXXX  ( Account # : XXXX ) XXXX XXXX XXXX ( Account # : XXXX ) Under 15 U.S. Code 1635, I have the right to dispute credit obligations that are inaccurately reported. Furthermore, 15 U.S. Code 1692g mandates that debts must be validated upon dispute. Since these debts have not been properly validated, they must be removed from my credit report. 

I request a thorough investigation into these accounts and their immediate removal if verification can not be provided. 

Supporting Documents I have included the following documents to assist with your investigation : A copy of my identification Proof of current address Under the Fair Credit Reporting Act ( FCRA ), please complete this investigation within 30 days and provide a written response. 

Thank you for your time and attention to this matter. 

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

After watching several videos of XXXX XXXX disagreements with the credit reporting agencies I started reviewing my credit reports. I noticed an inaccurate reporting in a repossession ive been disputing these XXXX XXXX XXXX account with all three credit bureaus for months. All three of them are saying the company has verified the account and it is accurate!!! I have SOLID proof that the credit bureaus are not investigating my concerns, in fact they are constantly bouncing the balance around from {$5700.00} and {$5600.00}. XXXX XXXX says sent me a print out that said the balance was {$6000.00}. What is the correct balance? 
If I am not mistaken the FCRA says you have a duty to investigate. The XXXX Circuit has clarified that the Fair Credit Reporting Act ( FCRA ) requires furnishers of credit informationlike their credit reporting agency ( CRA ) counterpartsto conduct " reasonable '' investigations of consumer disputes. The decision also identifies various factors that determine whether a furnishers investigation is " reasonable. '' The reasonableness of an investigation also depends on " what the furnisher knows about the dispute. '' The XXXX Circuit explicitly rejected the argument that a furnisher may reduce its investigation simply because the CRA failed to exhaustively describe the dispute in its Automated Consumer Dispute Verification ( ACDV ) form. " When a furnisher has access to dispute-related information beyond the information provided by the CRA, it will often be reasonable for the furnisher to review that additional information and conduct its investigation accordingly. 

This account is INACCURATE, not in compliance and a CLEAR violation of my rights!!! Please see screenshots attached!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by CITIZENS BANK OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known.
Product: Money transfer, virtual currency, or money service

I am writing to informally express my concerns regarding Zelles handling of disputes particularly in light of the recent cfpb lawsuit highlighting significant issues with the platform.despite using Zelle numerous times reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately they informed me that recovering lost funds was impossible and that tracking these transactions was recessive the cfpbs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams the lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting or other personal consumer reports

I have been writing and calling TransUnion for many months that there is an account reported on my credit that I do not recognize. 

This account is a bankruptcy and I have requested that the account be removed from credit. 

At the moment the account persists and this credit agency that is supposed to send me results. I have never received anything from them regarding the efforts they have made regarding my credit. 

The Account Name is : XXXX XXXX Account Number XXXX
Product: Credit card

I received communication from Chase Card Services via mail that someone was using my personal information to apply for a credit card. I was able to call Chase Card Services and have the application cancelled and marked as fraud. They also committed to contacting the credit reporting bureaus to remove the inquiry. I was encouraged to report to the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus " EQUIFAX '' and " XXXX '' have reported on my Credit File of Three ( 3 ) " Bankruptcy '' whereas it should be only one ( 1 ). I have tried to explain in details and with supporting documentation via numerous Certified Mail and / or lengthy phone calls! To date, no response from the Credit Bureaus. <P/>The extra two alleged Bankruptcy were petitions to the Court to grant permission to sell my two properties in XX/XX/XXXX and again in XX/XX/XXXX ; not as filing bankruptcy once again. I request at a minimum the Credit Bureaus to delete the items listed below due to being reporting inaccurate information : EQUIFAX ( as per Credit Report ) : a ) Filing Reference Number : XXXX dated XX/XX/XXXX (?? ) b ) Filing Reference Number : XXXX dated XX/XX/XXXX (?? ) c ) Filing Reference Number :  XXXX dated XX/XX/XXXX (?? ) XXXX ( as per Credit Report ) : a ) Filing Reference Number : XXXX dated XX/XX/XXXX b ) Filing Reference Number : XXXX dated XX/XX/XXXX c ) Filing Reference Number : XXXX dated XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Multiple dates- requested debt verification for collection account through XXXX, XXXX, and XXXX. All came back within a day or so as verified even though nothing was received in mail or showing validation of debt. This has been continuous over the last few months. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX
Product: Mortgage

Here is the letter I sent to the Ombudsman at Select Portfolio Servicing : Dear SPS Ombudsman, I am writing you at this time to make clear my intentions for withholding my mortgage payments. 
I have been trying for over ten years to ascertain the true and legal note holder, who, based on the original XXXX XXXX Mortgage XXXX XXXX, Deed of Trust, that I signed on XX/XX/XXXX, has been assigned or retains the right to legally collect my mortgage payments, that I have been sending to SPS monthly. 

In XXXX of the many QWRs that I have mailed you for over ten years, you repeatedly state this entity as the note holder : XXXX Bank, XXXX, successor trustee to Bank XXXX XXXX, NA, successor in interest to XXXX Bank, XXXX, as trustee, on behalf of the holders of the XXXX  XXXX XXXX Certificates, XXXX XXXX XXXX is the owner of the account, and SPS is the mortgage XXXX of the account. 

My read of that long list is that you are claiming that the XXXX XXXX XXXX XXXX is the owner and holder of my Deed of Trust XXXX 

The problem with that claim is that based on a thorough investigation by a professional chain of title investigation : Based on the most recent XXXX XXXX XXXX XXXX remittance report, your ( my ) loan is not included or reference in this XXXX! 
It simply is not there! 

I signed The Deed of Trust, ( the note ), on XX/XX/XXXX was with XXXX XXXX Mortgage XXXX XXXX XXXX ( XXXX ) According to the California XXXX of XXXX, this business entity ( AMN ) was suspended or forfeited by both the XXXX  of XXXX and XXXX  Tax Board as of XX/XX/XXXX. 
On XX/XX/XXXX, the name XXXX XXXX Mortgage XXXX XXXX XXXX was surrendered whereby they were not licensed in the State of California at that time. The DOT was written on XX/XX/XXXX, XXXX YEARS AFTER THEY CLOSED BUSINESS! 

Based on the above and many less-than-legal assignments, the true and legal owner of my note is murky, possibly unknowable, or no longer exists! 
My fear is that I XXXX be paying the wrong entity or that my loan no longer belongs to anyone. Or worse, the true and legal owner of my mortgage emerges and demands XXXX years of payments that were misdirected. 
The actions I am taking are out of desperation to find the truth about my mortgage. 

If and when SPS or anyone can provide a legally justified mortgage account where you can document the disbursement of my payments and debits to either the XXXX XXXX XXXX or any legal successor I will gladly repay all of the missed payments and resume my monthly payments regularly. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid TransUnion a couple times to monitor my credit and send me a report but after trying to get my report sent to me and not being able to confirm one of the questions about a credit card the agency refused to speak to me further. 
I also called to get an answer about why there was credit cards offers being sent to me. When I had a lock on my credit so I thought since XXXX and the agency didn't have any information on it but had a report made in XXXX when I made one myself in XXXX of XXXX and again after my mom died in XX/XX/XXXX because I knew family or so called associates would take everything I owned and so far I've not been proven wrong. My mother had a life insurance policy that was meant for me. And because she passed without a will I got financially abused. People used me for their own gain I suppose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2018we have made many attempts, along with filing a dispute to correct the information, short, this company has failed to correct the correct showing, because, they have told us, we have contacted them to much, the issue, had a medical injury, XXXX XXXX XXXX, involving XXXX, XXXX XXXX XXXX etc, this cause a financial hardship, even with our insurance, never had late payment, nor miss payment, we took a small loan to payoff 2 credit cards. to help ease the burden, which, it did, but, XXXX XXXX, failed to report that the cards had been paid off, we contacted the Banks, and they kept sending the information, XXXX, kepts failing to report, thus the have marked my score from XXXX down to XXXX as of today, thus causing the others to lower my score also, XXXX. 
I do not believe that this company should have the right to destroy mine or anyone 's credit. And when you call, they are very loftiness, I asked to speak to a supervisor, 15 mins hold, this guy answer, asked his name, his replied was XXXX. and I am in Idaho. I asked for a ID number was refused, asked for his full name was refused, told me this was being recording as a threat. I said good, explained to him what the problem was, asked him why his company was the only one. his answer, you said you will complain, so I will not talk any longer to you, Hung up, this was last Friday, XXXX hrs approx. pdt. I need to have this company not involved, I was trying to purchase a new home. Please help. Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous request & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$880.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Us15 title 1666b According to the United States Code, Title 15, Section 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I would really appreciate it, if I could get all my so call late payments remove from all XXXX agencies. XXXX, experian, and XXXX 
I would like to thank you and advance for resolving this matter. 
XXXX XXXX. XXXX