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

I am writing to formally dispute the accounts and inquiries listed on my consumer credit report referenced below, which are the result of a data breach or fraud. Additionally, I demand verifiable proof bearing my signature or electronic signature for any unauthorized inquiries. 

This letter is being sent directly by me, not through a third party, so I ask that you review it carefully. I never authorized these actions, and their reporting constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these violations fall under : FCRA Section 605B Block of information resulting from a Data Breach or Fraud ( 15 U.S.C. 1681c-2 ) FCRA Section 604 Permissible purposes of consumer reports ( 15 U.S.C. 1681b ) I have contacted the companies involved and confirmed that these actions were initiated without proper validation or original proof. Since I never authorized these accounts and inquiries, they are inaccurate and must be considered the result of a data breach or unauthorized reporting by creditors and/or third-party data furnishers. 

The FCRA requires Equifax to investigate these disputed items and take appropriate action, including deletion or blocking, within four business days of receiving this letter, as outlined in FCRA 605B ( a ). Enclosed, I have attached copies of the relevant FCRA sections for reference. 

Please acknowledge receipt of this dispute and provide a written response detailing the corrective actions taken. If the disputed items are not addressed in compliance with the FCRA, I will consider further action to protect my rights.
Product: Credit reporting or other personal consumer reports

I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting Act XXXX XXXX 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 an account without my written instructions.
Product: Debt collection

I reached a settlement agreement with the debt collector to make two monthly installments to pay the debt. It was agreed upon that I would call on or before the due date to make each payment. When I called to make the first payment, the representative would not take my payment, stating that the only way he could do so was if I set up the next payment to be automatically deducted from my bank account at the same time. This was not the agreement, nor was this included in the written settlement agreement sent to me. I filed a disput with the XXXX, the company responded by giving me the name and direct extension of an account manager to call. I have tried several times to reach this person. They do not answer the phone or return messages. They have now filed a civil judgement for the full amount of the debt.
Product: Debt collection

I am writing to bring to your attention a matter of utmost importance concerning my credit report. After thoroughly reviewing my credit history, I have discovered several discrepancies and inaccuracies that suggest a case of identity theft. I request your immediate assistance in rectifying this situation. I have attached a copy of my identity theft report filed to substantiate my claim. Your prompt attention to this matter is crucial to mitigating the damage caused by this identity theft and restoring my creditworthiness. 

Below are the details of the discrepancies I have identified : XXXX XXXX DC XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX have already removed XXXX XXXX XXXX from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I have found several accounts listed on my credit report that I did not open or authorize. These include credit cards, loans, and other financial accounts that do not belong to me. 

Assist me in the process of reporting the identity theft to the Federal Trade Commission ( FTC ) and obtaining an identity theft report. I understand that addressing identity theft can be a time-consuming process, but I urge you to act swiftly to rectify these issues and restore the accuracy of my credit report. Your cooperation in this matter is crucial to protecting my financial well-being.
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 XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, AXXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX IXXXX XXXX  # XXXX, XXXX  XXXX, XXXX # 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 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.
Product: Credit reporting or other personal consumer reports

I paid all my credit card bills, but they reported me to the credit reports saying I have not paid when they get it from my bank account every month automatically, I been paying for these accounts for 3or 4 years, and it is always the same, I made to paying 2 years ago they said I needed to write a statement telling them it's for the next month, that's crazy they're looking for a reason to make up our credit score,,
Product: Credit reporting, credit repair services, or other personal consumer reports

This situation has been happening since XX/XX/2022 and it is still not fixed. I have provided this bank every payment I have made for my mortgage and they seem to think I still owe them money. I have emailed them, called them and NOTHING of any change! 

I have reached out to the Office of the Chairman, and this person is not providing me a transaction report of WHY my account shows I am behind. I have paid every single month for the full amount PLUS an additional amount that was asked of me to supposedly fix the underpayment. The fix NEVER happened so I paid the full amount since then so I asked for my overpayment back. NOW this bank is saying my account is behind. How is that possible for my account to be behind when I have paid every month complete? 

No one has provided me a report as to why my account shows behind. The online transactions do not make sense and believe it was done incorrectly as it looks like things are paid, moved over and done their own funny reconciliations. 

I am asking to please explain why I owe money when I have paid every month in FULL. I have the transactions from my bank to prove it and I MATCH them with my account but something in the reconciliation shows as if I owe more. I was told late fees would be removed so why am I owing XXXX more when I have paid my other months in full? This bank will not explain to me in detailed. I have been yelled by a lead manager who did not help me. Every representative just says a scripted message and can not explain the details transactions even though I specifically say, here are my payments, why do I owe? One rep even told me I owed about {$800.00} to keep my account current. Where did {$180.00} go to {$800.00}? 

I used to have great credit until this bank. THIS BANK IS HORRIBLE. I am a good paying citizen and I have been treated poorly by this bank. There is no clear answer as to why I owe when I have proof that I dont. This has been going on since XX/XX/2022 AND I have paid every month and the account shows one behind. My credit is ruined and I need this fix. this bank never sent me any correspondence certified telling me this change of anything. THIS BANK needs to have further disciplinary action as I do not think what they are doing is ethical. They are telling me to pay for something I don't owe but yet they won't give me clear explanation why I owe. I PAID MORE than WHAT I OWE and when I asked for my overpayment, they said they want it back. WHY??? I need help immediately as this bank still has not fixed my issue and my credit keeps showing as if I am not paying my mortgage on time when I am. I have everything in writing too. I just need this fix, this has caused a lot of stressed when this has not been my fault.
Product: Credit reporting or other personal consumer reports

I have submitted several dispute requests to Experian and they haven't investigated correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX XXXX they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

My credit file was involved in multiple data breach including XXXX XXXX XXXX XXXX, & XXXX. I would like my credit files removed by law.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my credit report and notice the following unauthorized accounts these accounts are not mine CXXXX 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: Checking or savings account

Im filing a complaint against Navy Federal Credit union regarding multiple overdrafts fees that I have been charged, despite having sufficient funds at the time the transactions were completed. My account was charged fees due to the impromptu response and lack of due diligence by navy federal to post the charges and credits. This issue seems to be apparent and in alignment with the recent cfpb Findings against NFCU regarding similar practices where transactions settled or posted in sufficiently despite the funds being available at the time of the transactions. This is stealing and unfair and I would like my claim to be investigated and my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Identity was stolen By a unknown Identity theft all account open by this unknown theft are listed in this complaint.
Product: Checking or savings account

I received notice of Mercury Account Closure on XX/XX/XXXX at XXXX XXXX  PST. An email was received from XXXX with very limited information as to why. I went to log into my account online, and only found a splash screen stating my account status was " Pending ''. When I responded to the email at XXXX XXXX  PST requesting new information, I waited more than 12 hours and responded back again XX/XX/XXXX at XXXX XXXX PST asking to speak with someone about this situation. 

I received the same canned response back at XXXX XXXX  PST with language stating that they may not respond back if I chose to continue to reach out. I responded back at XXXX XXXX PST XX/XX/XXXX offering any assistance from our end in resolving this matter with no response. 

Mercury does not list a contact phone number on their site, and their FAQ actually lists their contact number only available upon login ( which I've been locked out of the account to even obtain that information ). 

Learning Mercury is backed by XXXX XXXX XXXX XXXX I gave them a call after the lack of support form the email exchange, and was provided a direct number to Mercury support.

I called Mercury and spoke with the first agent for nearly 30 minutes who'd mentioned she notated the ticket on the account and that the compliance team would review. She refused to provide any further information, or a human contact in the compliance department stating " all communication is via email with that team and they don't have a phone number ''. She mentioned I may call back in a couple hours to check on things, but they may not have any updates until end of day. 

I called back nearly XXXX hours later to find they had blocked my number, and I was only able to get through via blocking my number. Upon verifying my account, the agent mentioned that they would not longer be able to assist me over the phone and abruptly ended the call. 

I've kept ~ {$21000.00} in the account for the past several months with very limited activity only to pay contractors from this account. This amount comes from the original deposit of nearly {$35000.00} when the account was opened several months back, and cleared long ago. 

I've had XXXX separate accounts within Mercury, and this account has never been in question. I need these funds to pay contractors that are now overdue, and this has put my business in a very dire situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXXXXXX. Please remove these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX account # XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX account # XXXX have 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 an account without my written instructions.
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Debt collection

On XX/XX/2018 I noticed while I was online with my Credit Unions website that a Levy had been placed on my accounts. 
These accounts are with the XXXX XXXX XXXX XXXX XXXX. 
I receive a direct deposit of XXXX XXXX XXXX Insurance payments every month into my main checking account. 
The Levy has been placed on my savings, and my Daughter 's  savings account where I place her child support money into. 
I contacted a person named XXXX in the Collections Dept to ask about this. She did not want to listen that this money is exempt from Garnishments and that they are leaving me NO money to live on and are affecting my child support money. 
I found out from XXXX that the Levy is from Capital One Credit and is for over {$3000.00}. The amounts they have frozen in my accounts are {$230.00} in my savings, & {$500.00} in my Daughters account so far. 
I need this money to live on & pay my bills & support. I get paid once a month on the XXXX and can't be broke for the rest of the month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax negligently allowed, intentionally or otherwise, outside parties to access my personal information including name, SSN, and DOB. Equifax neglected to take necessary steps to protect this information and has a history of ineffective and improper security passwords including emailing PLAIN TEXT PASSWORDS to their users ( XXXX XXXX XXXX, known since 2011 ). If Equifax can not handle proper password encryption procedures, I can only imagine how improperly they handle the rest of their consumers ' personal data which I am sure contributed to this failure in security.
Product: Credit reporting or other personal consumer reports

Inaccurate data on payment history. Car is fully paid off. How can a person be late 30 for 6 months? I demand Consumer reporting agency to show bank statements from creditor that shows my car payment was late fix immediately or delete
Product: Credit reporting, credit repair services, or other personal consumer reports

This situation has to be a pretty interesting one. I haven't had an account with XXXX for well over a decade. This account is not mine. I requested to validate the debt and their first response was an offer to settle the debt. Offering to settle is not validation of a debt. They did not abide by federal law. 
After my second letter I received a very interesting print out with costs, and conflicting information. The second statement does NOT include any original paperwork/contracts with my. There is NOTHING with my signature. Just a weird, seemingly falsified, print out with two different company names on it. 
They identify as XXXX and XXXX XXXX College? Anyway this company did not properly validate this account. There is no original contract, there is no paperwork with my physical signature. Come to think of it I've been with XXXX since about XX/XX/2009. This needs to be removed from my credit report. I also need their Washington State 's representative 's physical address, and contact info, so I can move forward with court if needed. Thank you!
Product: Debt collection

On XX/XX/2021 I pulled my XXXX  Credit Report to dispute this account on my credit. I found the address information on my XXXX report, and sent a letter to SIMON 'S AGENCY, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, the address on my XXXX report. The mail I sent them was returned, which is a direct violation of the FCRA, as data furnishers are required to report only 100 % factual information to a consumer 's credit, that includes the dispute address to the company that is reporting said information. THEY HAVE FAILED to report their own address, thus, this account must be deleted and they must cease and desist all collection activity until they are deemed fully compliant with the FCRA. 
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Product: Mortgage

I believe Wells Fargo has used predatory practices concerning my XXXX. I acquired this loan XX/XX/XXXX I was not told by Wells Fargo that the second mortgage I acquired would be XXXX % rate at the time of purchase and I ca n't find any supporting documentations associated with this loan embedded in my loan document. 

My loan has been sold several times and they cant find the trail of my original document. The outstanding balance is XXXX due XX/XX/XXXX. I will not be able to pay this amount and risk loosing my home. I have been in contact with Wells Fargo several times since to help me resolve this problem and ask for help. I contacted XXXX in XX/XX/XXXX and they helped me contact Well Fargo. This was the first time I got an expedient response and I was told my application was declined due to my Loan to Debit Ratio. 

I am currently upside down on my home and the value has plummeted. I tried the Obama option, but was told again that my Debit to Ratio is too high. I was told that if I was not currently in debit they ca n't help. When I asked Wells Fargo again about my options, I was told I had to wait to closer when the loan matured. I was concerned that this would not be the best decision. I was told my only option would be a Home Line Of Credit at XXXX % interest pending an application.. 
I would like to roll the remaining balance into my first mortgage. 
I 'm currently afraid of loosing my home. 

Can you help in resolving this matter or have any advice? Thank-You for taking the time to read this correspondence.