23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am invoking my specified remedy as the original creditor and the consumer. I have attempted to resolve this matter with Transunion by disputing incomplete/inaccurate information. Proof of this dispute can be found via XXXX XXXX Mail - XXXX # XXXX
Product: Debt collection

While Conducting a Routine Credit Check Of my Credit Information, I Noticed That SEQUIUM ASSET SOLUTION who listed Original creditor as XXXX XXXX Listed a {$290.00} Debt on my XXXX credit report. Their listed address is - XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX I have never had any account with this company at all.
Product: Money transfer, virtual currency, or money service

Back in XXXX of XXXX I had an unauthorized charge from cash app. A person tried to take money off of my card on the XXXX of XXXX and was unable to do so but turned around and gained access on the XXXX to my account and wiped it clean this was reported to cash app upon immediate transaction and they opened an investigation and closed it the next day saying that it wasnt a fraudulent charge. They only gave me the last 4 digits of the accounts that took the money. I explained to them I did not have a said account with those numbers but they just closed the case. After reopening the case I asked for documentation of what was used to determine the results. They did not provide the information to me.
Product: Credit reporting or other personal consumer reports

I requested a 1099c for a charged off debt in XX/XX/XXXX. Never received it
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent XXXX multiple letters that Im the XXXX whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify this claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX United States Code, imprisoned for not more than XXXX  years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of item that is UNKNOWN to me : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2011 Balance : {$11000.00}
Product: Credit reporting or other personal consumer reports

To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  Subject : Request for Reporting Loan Transactions in Compliance with Metro 2 Format for Consumer Report of XXXX XXXX Dear XXXX Team, I am writing to formally request the inclusion of loan transaction data on the consumer report for XXXX XXXX, whose details are listed below. The loan in question is being reported in compliance with Metro 2 formatting standards and aligns with your policies for reporting closed-end, unsecured loans with collateral. Please ensure that this data is correctly reflected in the consumer 's credit file.

Borrower Details : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( if applicable ) : XXXX Loan Details : Account Number : XXXX Loan Amount : {$10000.00} Interest Rate : 0 % Loan Type : Closed-End, Installment Loan Payment Schedule : Three monthly installments of {$3300.00} First Payment Date : XX/XX/XXXX Loan Status : Active as of XX/XX/XXXX ( Partial Release of Collateral ) Collateral Information : XXXX XXXX XXXX XXXX, Serial No. : XXXX XXXX XXXX XXXX Smart TV, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX : XXXX, License Plate : XXXX Payment History : First Payment Date : XX/XX/XXXX - {$3300.00} ( Cash ) Status : Paid in Full, resulting in partial release of XXXX XXXX XXXX XXXX as collateral. 



Please report the loan status and payment history in accordance with Metro 2 guidelines using the following parameters : 1. Account Status Code ( 17 ) : Open, performing 2. Payment Rating ( 19 ) : 0 ( Current ) 3. Special Comment Code ( 26 ) : Loan secured by collateral 4. Account Type ( 17A ) : 01 ( Installment Loan ) 5. Payment History Profile ( DLA Segment ) : Reflect current, timely payments.

6. Date of First Delinquency ( DOFD, if applicable ) : N/A, account is current.

This data reflects accurate reporting for XXXX XXXX and is based on documented loan agreements, security interests, and payment records already filed with the State of California ( XXXX XXXX XXXX ). Please update the credit file for XXXX XXXX accordingly. 

Thank you for your attention to this matter. Please confirm once the data has been added to the consumer report, and feel free to reach out if any further documentation is needed to facilitate this request.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX
Product: Credit card or prepaid card

us bank reliacard came in the mail in my name. 

Impossible to reach fraud services or report to us bank because the card needs a pin to get through the automated system
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters regarding fraudulent information in my report, but I did not receive any response. It is my right to dispute something inaccurate and also to receive response from what I sent. They have violated my rights because it has been XXXX days.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have an address down for my current address that has never been my address before, and there is a collection account on my credit report that is from identity thefts with my XXXX account and a line of credit I didn't get and {$300.00} worth of items were purchased I didn't get I didn't find out anything about it until I was called about owing all that money and I was told someone did make one payment on it but it wasn't me
Product: Debt collection

Wakefield and Associates, date of service stated XX/XX/19, tried to call and discuss and let them know this is not my debt I didn't attend a hospital on that date. This is not me and will not be paid it needs to be removed
Product: Debt collection

I requested on XXXX  that Transworld Systems Inc. provide proof of debt owed and proof of debt collection license. 

On XXXX  I placed a call to Transworld Systems Inc. to verify if they received my email communication containting the dispute letter that was sent to them. They verified that Transworld Systems Inc. did receive the dispute letter. I asked that since they received it they provide the infomartion requested. They said that they did not have to provide anything and that isn't how it works.
Product: Credit reporting or other personal consumer reports

This is my formal notice of these items not being XXXX XXXX accurate and resulting from identity theft. My information has been misused and has led to these fraudulent items appearing on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX DOB XX/XX/1973 SS : XXXX I am in received some letters from XXXX # XXXX, XXXX XXXX, informing me that they are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between XXXX, XXXX and myself, XXXX XXXX  XXXX, which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation. This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming. 
I do not have any documents or paper trail that these companies are entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contracts and accounts in question. 
I have some unknown addresses on my credit report as well that I do not recognize and well : Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX PLEASE Delete Phone Numbers that does not belong to me : 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 I have never done any business with the following companies. 
Please Delete UNKNOWN INQUIRIES : XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices. Which violates the consumer financial protection act. Specifically, cash app failed to take effective and timely measures to prevent fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and regulations E. These actions have cause a large inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

hi I made a online account with = XXXX, for XXXX $ in the middle of the online transaction with the loan, the XXXX site had errors making it not getting to the process of funding my account, but I did sighn the loan docs etc, the site went bad over and over? now its on my = XXXX credit report saying I got the XXXX $ and listed, I, m asking for suffering and financial losses from XXXX website errors and more ok? 

I would like the Amount of = XXXX $ Deposited to my BANK, FROM FINANCAIL LOSSES, WEBSITE FRAUD & THEFT ETC AND RUINING MY CREDIT SCORE ETC, AND LOSSES FROM WORK, GAS, TIME, PLEASE DEPOSIT MY XXXX $ XXXX CREDIT REPORT # ID= XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX Credit Card account and XXXX Personal Loan accounts opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX  on XX/XX/XXXX ( XXXX ), XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), XXXXXXXX XXXX XXXX  on XXXX XXXX under the account number ( XXXX ), and XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and 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 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: Credit card or prepaid card

I called Citi Cards customer service on two separate occasions ( on XX/XX/XXXX and XX/XX/XXXX ) to dispute and resolve the issue of why my 10 year credit history with their Citi XXXX Card was no longer being reported to XXXX, XXXX, and XXXX credit reporting agencies. My Citi XXXX Card was opened on XX/XX/XXXX. This issue has significantly effected my credit score in a negative way. Following my second conversation with Citi Cards customer service department, I faxed and mailed a dispute letter to the Citi Credit Bureau Dispute Team as instructed by the customer service representative. I also mailed and faxed a copy of two XXXX credit reports, and an XXXX credit report to prove that my Citi Card credit history was once reporting to XXXX, XXXX, and XXXX credit reporting agencies but it's not now.
Product: Mortgage

Carrington Mortgage Service LLC, XXXX XXXX XXXX, XXXX, Texas XXXX, ( XXXX ) XXXX will not give information to release lien on va loan so that I can sell the property. Customer service will not give phone that is needed to contact lien hold department.
Product: Debt collection

I have been charged and had two prior collections account for the same medical bill and the same amount {$330.00}. Finally I got those two collections deleted from my credit and now I have one more collection for the same medical bill and same amount reported on XXXX. I never received a phone call/mail/email notifying anything. They just added a 3rd account for the same charge without any notice.
Product: Student loan

A {$190000.00} payment was applied wrong creating thousands of dollars late fees penalties and interest. A letter was included with the payment directed the loans to be paid and a good contact name and phone number if there were questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't 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 719XXXX has me at a score around 590. 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 XXXX 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 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from XXXX XXXX  Late PaymenXXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Product: Credit reporting, credit repair services, or other personal consumer reports

while looking on my credit monitoring site I noticed it was two accounts that do not belongs to me they are 1.convergent outsourcing in the amount of {$470.00} 2.XXXX XXXX   XXXX  in the amount of {$450.00}
Product: Checking or savings account

Hello I am a current member of Chime banking I had a problem with money being taken out of my account that I myself did not use this money was saved up for something personal for myself the money that was taken out was almost XXXX dollars being taken out each day for a site that I had no use of neither any knowledge about. I gave Chime bank a phone call to dispute this unauthorized transaction.. I was informed a day later which isnt supposed to happen that no evidence was found and the transaction wasnt fraud. It took them only ONE day to resolve this when in reality it should be up to 90 days or at least be able to be processed and resolved giving me more details on whats going on with my money.. I made 2 dispute cases asking about the same issue I had with my money and still being denied by them for almost XXXX which should be insured by Chime Banking. I recently got off the phone with them mentioning this again where I had to tell them open up the case again and help me since I did not make these purchases I was even misgendered during this process which felt like an insult.. I asked to speak with a supervisor and he wasnt able to help out neither I kept getting told the same thing repeatedly saying a case is being open and further investigated which is not true since this been happening since the beginning of XXXX its almost XXXX and I still didnt get a response back my money should be insured by them or better yet a credit for a better understanding of knowing my dispute is being taken serious. I will no longer use chime if my money is not transferred back into my account and will take serious action please be mindful of where you bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2015 with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I do not know who stole my personal information but I am a victim of identity theft and there have been accounts opened under my name without my authorization, consent, or knowledge. These accounts are showing up on my credit report but I never opened these accounts! 

The data breaches my personal information was involved in are below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal information was stolen multiple data breaches! 

The following accounts were opened fraudulently with this creditor and MUST be removed from my credit report : XXXX XXXX XXXX XXXX. XXXX, XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$16000.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted various complaints regarding XXXX XXXX an erroneous item on my consumer report. I would like to point out a few violations that both XXXX  and XXXX and TRANSUNION has violated. First after disputing the alleged debt documents was received that show that my personal identifying information was shared with third parties which is identity theft per 12 CFR 1022.3h as written consent was not given to none of the aforementioned Corporations. In addition as mentioned before the debt collector violation 15 USC 1692c ( a ) when they communicated with the consumer with consent. However to close this out and to point out the violations of XXXX  and TRANSUNION they are as follows.

Per 15 US Code 1681a ( 2 ) ( B ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; is to be excluded from your credit report. 

Per the FCRA 15 USC 1681b ( a ) ( 2 ) - ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

This is my written instructions to remove the erroneous XXXX XXXX account from the credit report and credit file.
Product: Debt collection

I never get any letter or staiment about thse bill so I never have a chance to pay balance.becsuse I never know I have.