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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried resolving this matter with the debt collector after learning of this debt after obtaining my credit report. For months I have been going back and forth. I or iginally sent 2 let ters to  XXXX   XXXX  asking them to validate this account listed on my credit report. I asked them to provide me with documentation bearing my signature or a contract that shows what I agreed to or what terms and conditions I signed up for. I am not even sure if the statutue of limitatio ns has expired on this account, if in fact it belongs to me however, with no contract I have no way to be certain. Under FCRA 609 I requested this information and it was not provided. However, the company did provide me with a small printout of one statement that does't look authentic in my opinion. This account is mere hearsay. After no resolution was made between myself and the collection company I reached out to the credit bureaus I was told this account was verified and met FCRA requirements. I asked the CB to provide me with the documentation and or information that was used to validate this debt to date no information has been provided to me. Instead I received a letter stating my claim could not be invesigated because the address listed on my letter did not match my credit file which is a lie I have attached a prinout of my credit report reflecting the address is listed. I will not send any personal financial documentation to a 3rd party company as  I legally do not have to. I provided my social security number. Also after another search this debt collector is not licensed to collect in my state.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX TransUnion received my dispute letter for the accounts XXXX XXXX XXXX  and XXXX XXXX XXXX. These accounts do not belong to me and I asked them to verify these accounts. 

The response I received ( file no. XXXX ) simply stated the accounts were verified but TransUnion did not provide any evidence that these accounts actually belong to me nor did they provide any evidence that an actual investigation took place. In turn, I sent a letter asking TransUnion to verify their methods of investigation used to verify these accounts. ( which they received on XX/XX/XXXX via certified mail. ) It is my understating, according to the Fair Credit Reporting Act, that TransUnion should have sent a response to my method of verification letter within 15 days. However, they sent me a response more than 26 days later. 

Moreover, their 2nd letter still provides absolutely no evidence that the accounts belong to me or that there was an actual investigation. Overall, TransUnions response to my dispute has been both untimely and inadequate. Due to the fact that these accounts never belonged to me and there is no evidence that they belong to me I want TransUnion to delete them from my file. 

Thank You
Product: Checking or savings account

Usbank is refusing to tell me the currency exchange rate payed to usbank by the Visa corporation. The Visa corporation does all the processing for Visa debit cards issued by US Bank. The Visa corporation applies a 1 % processing fee for foreign currency u.s. Bank applies a 2 % processing fee for a total international processing fee of 3 % on foreign currency and 2 % for USD. The problem is that usbank is giving customers less on the on the exchange than they are receiving from the Visa corporation for the foreign currency exchange on all international purchases. I want usbank to provide me with the details of the ATM and debit card purchases between the dates of XX/XX/XXXX and XX/XX/XXXX. I want usbank to describe the amount paid to them by the Visa corporation and the amount that was inturn given to me by usbank for the transactions. Usbank was receiving more than they were awarding to me for the transactions that means that usbank was keeping money from my foreign transactions which means US Bank was embezzling funds from my account which means if they were embezzling funds from my account they are embezzling funds from other accounts. I want usbank to provide me with all the transaction information of my foreign transactions between the dates of XX/XX/XXXX through XX/XX/XXXX. I also want usbank to explain to me why they felt like they could keep money that did not belong to usbank. I am also requesting that usbank return all the funds to me until usbank can explain the processing errors and the exchange rates provided by the Visa corporation then provided to me and my transactions between the dates of XX/XX/XXXX through XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware that my SSN belongs to the ( XXXX XXXX XXXX XXXX  XXXX and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX XXXX ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C3729-3733. XXXX XXXX XXXX XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( EXPERIAN ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX XXXX for the account opened XX/XX/2020 with account number XXXX and XXXX XXXX XXXX XXXX for account opened XXXX XXXX with account XXXX. Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( EXPERIAN ) into the FTC Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.
Product: Checking or savings account

I have a checking account with Navy Federal Credit Union. Back in XX/XX/year>, I started getting text regarding suspicious transaction attempts, which wasn't me. I froze the debit card and opened a new checking account with them. After reviewing my accounts online, I discovered that I have been charged a return check fee of {$29.00} XXXX times. The total of {$370.00} from XX/XX/year> to XX/XX/year>. NFCU stated they will not reimburse this money because of the time that it goes back. The account was closed today. 

NFCU obviously knew this account was compromised and continued to charge their {$29.00} return item fee. They have lost their customer service values and definitely are not looking out for XXXX and their families.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

XXXX XXXX XX/XX/2020 # XXXX XXXX XXXX XXXX XX/XX/2020 # XXXX XXXX XXXX XXXX XX/XX/2020 # XXXX 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 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 ( AX ( 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. 

I have sent multiple disputes regarding these accounts that have ALL come back Verified Accurate/Complete, but when I sent my last dispute of accuracy and completeness of reporting, I included documents from XXXX, XXXX and Experian which show different information being reported, I was prompted with an Updated Credit report that is STILL INCOMPLETE and/or INACCURATE. there should not need to be information added/updated if an account is being reported to its completeness with 100 % Accuracy. 

These fraudulent reports have adversely affected my creditworthiness to competitors, therefore I request immediate removal of the following incomplete/inaccurate accounts from my credit report : XXXX  XXXX XX/XX/2020 # XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX
Product: Debt collection

I did not authorize an inquiry from this particular company, nor have I signed and/or endorsed any contract, application ( s ), etc., that created any inquiries with the listed corporation, agency, and or company .Someone has unlawfully used my name, unambiguous information and endorsements that attempted to established the herein accounts without my, knowledge, authorization, consent and or signature. Possible endorsements were used on commercial applications without my consent, permission and or knowledge on XXXX/XXXX/2015. There being no permissible purpose to obtain my Consumer Credit file, I request the unauthorized inquiry into my file be removed from all the Consumer Reporting Agencies immediately and a copy of such deletion mailed to me.
Product: Debt collection

On XX/XX/2020 I received notice that a collection account had been added to my XXXX   report from XXXX XXXX XXXX XXXX At this point I had not been provided anything in writing explaining this alleged debt. I sent them a validation letter which I mailed certified on XX/XX/2020. On XX/XX/2020 I received a letter NOT from XXXX XXXX XXXX XXXX XXXX but some company named Nelson Cruz & Associates claiming that XXXX XXXX XXXX XXXX was their client, and that I had an outstanding balance of XXXX which was assigned to their office on XX/XX/2020. Upon research I found that they are also a debt collection agency who is working under guise of a law office for XXXX XXXX XXXX XXXX to trick consumers into paying invalidated debts. I also sent the alleged law office a letter asking them to validate the alleged debt on XX/XX/2020, and have yet to hear back. 

On XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX XXXX during which I asked the representative XXXX if they had gotten the letter she advised that they had received it. She advised that they would be sending a response soon I ended advising that I would wait for the letter before discussing anything further with them. However a few hours later I received yet another alert from XXXX advising that XXXX XXXX XXXX XXXX had hard pulled my credit report for an installment loan. I did not authorize them to pull my report and further they are a collection agency not a creditor who provides loans. I presume they pulled my report due to them trying to obtain information to validate the alleged debt. 

Additionally, the alleged debt upon research is for a company called XXXX XXXX who is no longer in business and have not been for at least 4 years. I have also reached out to them and they have no evidence that I owe debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting closed account XXXX XXXX XXXX XXXX XXXX as closed XX/XX/XXXX yet also report a payment amount of $ XXXX  monthly with terms of 46 months. This is a violation of FCRA, consumer laws and XXXX. Because this account has so many errors I also questioned the past due amount, balance and pay status. TransUnion responded they had received certification from the creditor and the account would not be removed or updated. When I called the creditor on XX/XX/XXXX I was informed there is no such account in their records at all. I was told I do not have an account with them currently and I do not owe them monthly payments of any amount.
Product: Debt collection

All of these items are from Knight Adjustment Bureau : XX/XX/XXXX : {$580.00} XX/XX/XXXX : {$2600.00} XX/XX/XXXX : {$4500.00} XX/XX/XXXX : {$4200.00}
Product: Debt or credit management

XXXX XXXX  filed unpaid charges against all credit companies and now I can not finance mortgage bc of credit score. I have documentation that i gave 30 day notice to vacate and they are still trying to charge me XXXX. I turned in all documents to confirm this.
Product: Debt collection

I received a call from Windham Professionals looking for someone who I have no knowlege of, and is not affiliated with my phone number. The call was received at XXXX XXXX Pacific Time on XXXX XXXX, 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$440.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$160.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX. 
Account Number : XXXX {$3900.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$2300.00} XX/XX/XXXX XXXX XXXX  XXXX Account Number : XXXX {$21000.00} XX/XX/XXXX Experian : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$410.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$500.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$2500.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX {$21000.00} XX/XX/XXXX XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$440.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$1500.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$2500.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$21000.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account 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 listed account that needs to be investigated and corrected for erroneous reporting in my file is listed on my credit report XXXX XXXX XXXX XXXX XXXX : {$270.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

according to the IRS and FCRA XXXX Account XXXX is not compliant and willfully and knowingly reporting inaccurate information to my consumer report remove this immediately from my consumer report.. Transunion says it meets FCRA which in fact is not true, According to the IRS a CHARGE OFF IS GROSS or ORDINAY INCOME.. and the FCRA states CLEARLY INCOME IS NOT ALLOWEDTO BE REPORTED on a consumer report. you are now on NOTICE you have 10 days to delete this Erroneous, inaccurate information. attached proof this is a CHARGE OFF and also reporting a balance REMOVE IMMEDIATLY
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit for the time in 8 years and I have many derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX  XXXX {$190.00} XXXX XXXX XXXX {$330.00} XXXX   XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$76.00} US DEPT ED XXXX {$6900.00} DPT ED/XXXX XXXX {$6000.00} DPT ED/XXXX XXXX {$3500.00} DPT ED/ XXXX XXXX {$1700.00} DPT ED/XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting Agency has been using out dated credit information and reporting it repeatedly to lower my credit profile due to XXXX, There had been legislation put in place to combat this bad business behavior, i have contacted this Agency and is an ongoing issue due to a refusal to cooperate, I contacted Experian on 8-11-2023 bit was unable to speak with anyone because the credit information is being managed by the country of the XXXX a d their residents and thry do not understand the correct english language and is also a big concern for cyber security. please recommend this for a government investigation prtocol due to sensitive information belonging ti US citizens!
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated. Your agency has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Debt collection

I paid a debt to XXXX XXXX XXXX  I paid them {$140.00} to pay my debt and have the collection removed from my credit report and that have not done so