23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

District Court of XXXX County XXXX, AR Judgement of unverified and disputed debt XXXX XXXX XXXX XXXX was filed by 2 judges signing an order to distribute funds without proof of debt, nor process server receipt of service, nor right to hearing or trial to prove/disprove alleged debt unverified, no documents filed by plantiff of any kind including answers by garnished, dispute of inaccurate info owing debt was ignored by all court parties and garnishee & objection to garnishment hearing was denied in order to object it, negotiate if necessary, challenge unverified judgement, & negotiating alleged 2 debts in the judgement was never an option. Nor consent given to garnish wages, nor any receipts of garnishments made paid to either of alleged debts as required by me to assign if they existed and they do not. 

Magistrate judge, city attorney, clerk 's, & other judges violated in using XXXX  XXXX XXXX XXXX wire transfers to Michigan and deposited in Arkansas & 15 USC sect 1672. 

Wages exempt were garnished. Loss of information by denial and without filing required documents causes inability to use required materials to determine damages & loss of profits, proof of payments were made to either of the 2 fake debt accounts by XXXX required payment from Michigan to be made in XXXX county at their p.o. box address in XXXX XXXX, Arkansas. 

No direct deposit authorization was given.

8th amendment requires REVIEW before going through with garnishment.

No right to counsel or appeal.

Error of law & abuse of discretion by judges. 

Loss of rights to injunctions against any labor organization fees unlawfully deducted, unpaid minimum wages or overtime wages, unemployment insurance withheld by state and the federal cares act funds, forgery & FRAUD CHARGES existing, title III established of conspiracy satisfied, & stop of garnishments without any explanation or balance calculated from payments deducted by garnishment establish theft.
Product: Checking or savings account

Charges were made to my account that I do not recognize. 
Dates and Amounts of fraudulent charges as printed on my Fifth Third Bank statement : XX/XX/XXXX - {$110.00} DEBIT CARD PURCHASE AT XXXX XXXX XXXX, XXXX XXXX XXXX - {$160.00} DEBIT CARD PURCHASE AT XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX - {$100.00} DEBIT CARD PURCHASE AT XXXX XXXXXXXX XXXX XXXX XXXX At the time of these events I was going to school and working full time with XXXX XXXX XXXX XXXX. I noticed the charge from XX/XX/XXXX XXXX  after that date and forgot to take action. 

I went in person to talk to my personal banking representative to have this formally looked at and disputed sometime mid XXXX, XXXX. We successfully requested the dispute for the charge on XX/XX/XXXX. At this time, the charges from XX/XX/XXXX and XX/XX/XXXX from the same company were left undiscovered and undisputed. 

Upon receiving the dispute denial letter, I went in person to ask why and to be provided any and all accompanying documents related to their research. Their letter of denial said they would provide all documents used in the research that led to their decision. 

My personal XXXX  and I called the dispute department and appealed their decision. After that phone call, the charges from XX/XX/XXXX and XX/XX/XXXX were then discovered by myself after a closer look at my statement while still in the bank. We then called the dispute department again to dispute the charges just discovered. 

I was never provided and documentation and all disputes have been denied. 

The first denial letter explains their reasoning as this : " Here 's why we made this decision : Our research confirms that the transaction was valid. '' The most recent letter, I received on the date of this writing. The explanation reads as follows : " While we were researching the activity, we determined the transaction in the amount of {$270.00} wasn't completed by the merchant and wasn't deducted from your account. As a result this case is now complete. 

For your security, we've placed a block on the debit card ending XXXX to protect you from future charges. If you requested a new card, feel confident it's on the way. '' They claim the funds were never taken out of my account yet my account statement very clearly reads that the funds were taken out of my account. 

They also claimed over the phone that my card was physically used during the XX/XX/XXXX transaction. 

I did research on XXXX XXXX. It turns out to be some XXXX that either still operates or did operate out of an apartment unit in XXXX. I triple checked my XXXX maps timeline to make sure my memory isn't failing me. I've never been to the location that is tied to these charges.
Product: Credit reporting or other personal consumer reports

XXXX was breach and admitted to my information being stolen back in 2020. Due to that I had to file bankruptcy and been in hardship. Please remove negative inquiries off my credit
Product: Credit reporting or other personal consumer reports

I have tried multiple times to get Experian to remove this account that is not mine. They have not resolved the issue. 

This was the notification. 
XXXX XXXX XXXX XXXX  reported a new account on your Experian Credit Report. 
XX/XX/year>. 

The dispute for the account with XXXX XXXX XXXX XXXX  First dispute was Date Submitted : XX/XX/year>, shortly after I got the notification, that this was added to my report. The second one was on Date Submitted : XX/XX/year>. I also just submitted a XXXX today. Also during this time my credit reports were ALL locked down. 

Not sure what else I can do besides getting a lawyer at this time. Calling the lender does not work. Since you are not that person. Was told to contact law enforcement. 

Thanks
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of XXXX XXXX. I found numerous accounts still on my credit report that were not open by me after this compliant was filed. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX ACCOUNT BALANCE : XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This is not my Debt. XXXX XXXX is responsible for amount owed. XXXX XXXX filled for bankruptcy.vv In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.

Information is false
Product: Debt collection

I was notified that I had collections from XXXX under Amsher Collections agency. I called them, and they informed me that someone had a collection of {$2500.00}. I have never used XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th attempt contacting the credit bureau about the afore mentioned accounts. These accounts do NOT belong to me and I ask that they be deleted from my credit profile. 

FDCPA Section 807 Violations Mispleading False Reporting US BKPT CT MO XXXX XXXX Bankruptcy XXXX XXXX-discharged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX Account Info Reference Number XXXX Court US BKPT CT MO XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$570.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$570.00} {$570.00} Payment Info Original balance {$570.00} Balance {$570.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XX/XX/2020 XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7700.00} XXXX XXXX Balance : {$0.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Mariners XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXXF XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a balance on an unverified and fully paid lease account of {$8100.00}. this balance reporting is wrong I paid this lease 100 % in full, never late. The account is showing incorrect and is fraudulent!!!!. XXXX XXXX is damaging my credit and reputation unjustly and WITHOUT Legal reporting/Dispute process. They have not ALLOWED ME TO review the proposed amount and dispute per FCCA the amount they are claiming i owe. This is a Violation of the FCRA and my person rights!!! 

I hereby demand this account be removed from my credit file, or positive proof of this amount be provided, as I NEVER took out/requested ANY credit from XXXX XXXX  or applied for any LOANS, CREDIT, AMOUNTS for XXXX from them.
Product: Credit reporting or other personal consumer reports

I have submitted multiple documentation to the following XXXX credit reporting companies, I have requested A Method Of Verification, and I did not receive anything and it's been over 45 days. My next move will be to file an law suit against these companies. The consumer law clearly states that unverifield information shall be deleted, but instead these companies are allowing these accounts to continue to be reported. Im demanding that the following items be deleted immediately, 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

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

MCM has been calling 7 days a week, including XXXX. They have never sent any letter and will not validate the debt. The phone calls are Inconvenient. I am not sure what the debt is for, it is also on my credit report. Please assist in validating and or removing the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying multiple times to dispute the erroneous items on my report but my disputes has been ignored by the Credit Reporting Agencies. I am requesting that the Credit Bureaus look into this matter as required to do so under the FCRA. If the Credit Bureaus do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. I am investigating my Credit File for proper understanding my Credit score XXXX noticed the following : 1 ) the account DPT EDXXXX XXXX Balance Owed : {$3700.00} is reporting as late when in fact I never paid late for this account ; 2 ) the account XXXX XXXX  XXXX Balance Owed : {$0.00} has been paid and the balance is XXXX and yet the accounts is being reported as late ; and 3 ) I noticed that the disputed accounts report their dispute status as " Account not disputed '' even though I have been disputing this account for 6 months already. How could the Credit reporting Agencies report the status as " Account not Disputed '' when I have been disputing these accounts for a long time already? It made me wonder whether the Credit Bureaus are really contacting the Creditors or are they just making things up. As what the Credit Bureaus have responded to my CFPB Complaint via Consumer Portal, the Credit Bureaus have verified that the disputed items are accurate. It makes me doubtful of the Credit Bureaus action and I need to stop their erroneous reporting by updating the disputed accounts or completely removing the disputed accounts completely from my Credit file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX Has violated my rights, I recently looked at my credit report and noticed some things are incomplete and not accurate 15 U.S.C. 1681 refers to a section of the United States Code that deals with the Fair Credit Reporting Act ( FCRA ). The FCRA, enacted in 1970, regulates the collection, dissemination, and use of consumer information, including consumer credit information. The law is intended to ensure fairness, accuracy, and privacy in the collection and use of consumer credit information.

Key provisions of 15 U.S.C. 1681 include : Consumer Rights : Consumers have the right to access their credit reports, dispute incorrect or incomplete information, and seek damages for violations of the FCRA.

Obligations of Credit Reporting Agencies : Credit reporting agencies must follow certain procedures to ensure the accuracy of the information in consumer reports and must limit the use of these reports to permissible purposes. 
User Responsibilities : Entities that use consumer reports ( such as creditors, insurers, employers ) must do so only for legally permissible purposes and must notify consumers when adverse actions are taken based on a report. 
Enforcement and Penalties : The FCRA is enforced by the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and private individuals who may bring lawsuits for violations.

The law is a critical component of U.S. consumer protection, particularly in the area of credit and finance.
Product: Credit card or prepaid card

I paid my account off and close the account. I did this 15 days before the due date. I found out I still owe interest rate on the account because they printed a statement after the XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute lettert ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Date Opened XXXX. XXXX, XXXX XXXX ; {$0.00}, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Debt collection

The charges are from my daughters primary care. I paid invoice in full and still collection agency droped 2 collections one of reach daughter. 

My daughters were shown in XX/XX/2020 at XXXX XXXX XXXX NC   location. I paid full balance when i received the first bill notice from XXXX XXXX and i informed same to collection agency 'KLS FINANCIAL SERVICES '' that i paid balance in full. But still they dropped the collection charges on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  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 im XXXX now.with no help.
Product: Credit card

This account was included in bankruptcy, and I have asked over and over again for it to be removed. I will not ask again, I will file a lawsuit next. There is no reason not to take this off.
Product: Credit card or prepaid card

XX/XX/2017, XX/XX/2017 an XX/XX/2017 hard inquiries were made on my credit report through XXXX credit ( no store credit card was approved ) an never removed from my report .by Syncb/walmart XXXX XXXX FL XXXX ( XXXX ) XXXX