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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX  XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed account to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following accountsa : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Transunion on XX/XX/2023, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have received A letter dated XX/XX/2023 from AllianceOnce Recievables Management XXXX XXXX stating they are a debt collector attempting to collect a debt for {$220.00} .I do not have any responsibility for the debt that they are trying to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted ERC direct in an attempt to validate the information being reported on my credit report to no available. I had to do research to obtain the correct mailing address as the address being report on my credit report is incorrect. They did not respond to my request for information in an attempt to validate the alleged debt by they verify this subterfuge as being accurate. This inaccurate, erroneous reporting is hurting my ability to obtain credit and my financial wellbeing. This alleged account from XXXX has already been removed from XXXX  but not XXXX. If they don't answer me how to I know this account was ever investigated? 

Not sure that company name they are legally doing business under.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it was fraudulent & was opened without my consent or knowledge XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$21000.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Debt collection

I requested under:15 USC 1692g debt validation ( # 1. ) production of original contract signed by me agreeing to be responsible for debt, ( # 2. ) proof of debt assignment ( how & when company was assigned and granted authority to collect debt, a complete account and payment history of the debt in question, and proof that no insurance company or any other entity has granted payment to creditors, no insurance claim has been made and paid, and not tax write off has been granted for the amount of ye allowed debt. 15 USC 1681 the credit reporting agencies have a duty to accurately reflect correct info, this info is not correct, I was a minor child who never knew about or understand what this debt is, I could not legally and never entered into any agreement to be responsible for this debt, an finally, my mom had an account with XXXX and she had to use them or fraud to recoup her {$1500.00} and formal complaints of fraudulent and abusive practices of missing funds during deposits she made. the creditor is fraudulently reporting know erroneous info against my credit, they have a bad history of complaints of fraud and high turn over at that XXXX XXXX, an my mom closed out her accounts not owing XXXX anything. My mom sued XXXX and reported them an this is just retaliatory maliciously damaging attacks against me and I have nothing to do with this account. I clearly was a minor who NEVER know about or agreed to anything with XXXX XXXX or XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, While observing my credit report I noticed several inquiries that I do not recognize nor were they authorized by me. This inquiries are not affiliated with any open accounts I have so if possible, I am asking for them to be removed from my credit report. The inquiries that I do not recognize or authorize are : Transunion 1. XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXXXX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX XXXX 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX  XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX
Product: Debt collection

I requested via the 3 bureaus the info from this debt to include itemized calculations of debt, copy of contract or lease w my signature and other identification of who put this or allowed this debt to be in my name. Only XXXX has removed this debt on the basis that national credit systems is not licensed to collect in my state amongst other reporting errors. I have never lived in, went into contract, inquired for help or services or even seen these apartments before. I was never even sent a bill or notice. 

Requests were on XXXX XXXX XXXX XXXX XXXX XXXX refuses to acknowledge my disputes at all. 
XXXX keeps saying they have verified the debt on the same day yet fails to provide me with the manor in which they verified or provided me with a copy so that I may follow up with legal help in getting this erroneous debt off of my consumer report as I have never lived here National credit systems has several large debts under my name that occurred at the same time. I can only live in 1 apartment at a time. There is no physical way my children and I can live in this many apartments and accumulate such large bills across different states. 

NCS and the bureaus have not provided me or shown any proof that this debt is actually mine or who in fact signed my name for this debt. I have NEVER had any business with or any bills from this place.
Product: Debt collection

Upon receiving an alert that there was a collection that was added to my credit report, I discovered that Falls Collection has placed an account without informing me that they had purchased an account, and without giving me a chance to dispute the debt. They were sneaky and deceptive and broke the law by not notifying me about XXXX different accounts
Product: Checking or savings account

I submitted a dispute for a debit card transaction for XXXXXXXX XXXX on XX/XX/2023 made through credit karmas checking account - I was requested to provide a statement, which I did. I received a provisional credit. On XX/XX/XXXX, without notice, the credit was revoked from the account with the dispute being denied. I have requested information as to why it was denied, but not received anything yet. 

The credit was also illegally removed, violating compliance to Regulation E. As per 11 ( d ) ( 1 ) of Regulation e - " Official interpertation of debiting provisional credit '', I am required to receive at least 5 business days notice of a removal. The credit was on XX/XX/XXXX, and the Notice was also dated XX/XX/XXXX - the same business day.
Product: Payday loan, title loan, or personal loan

I received a title loan on my conveyance through Title Max dba Title Max Inc located in XXXX XXXX Missouri in XXXX of XXXX. In XXXX I sent out documents advising that I was a secured creditor and executrix over the estate of XXXX XXXX XXXX and that I would be accepting for value the instrument that was autographed and to please honor that acceptance according to HJR 192 and the 1933 Bankruptcy. On XX/XX/XXXX I sent out an negotiable instrument once again asking that the debt be discharged and honored in Accord and Satisfaction. On XX/XX/XXXX Title Max sent my instrument back to me stating that they would not honor my instrument. According to U.C.C 3-603 and 3-311 a instrument that is returned to payor from the holder in due course in not only in dishonor but the " debt '' is to be discharged. I have contacted them on several occasions to settle this matter, but they continue to send threatening corresponding letters as if they will try to repossess my private property, as well as extort me for " payment ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report were a collection account appears with a outstanding balance the problem is the item doesnt have a outstanding balance. I have disputed the item several times and yet the credit bureaus still report it and havent provided a response to my dispute it has been over 45 days since last dispute. The collection company is XXXX in and out documentations are attached I previously advised that the account was opened as a result of stolen ID and although I paid the account to remove from file it should have never been placed on credit credit report police report attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in request multiple to times to have the fraud alert removed ; I continue to receive responses that the fraud alert is removed but it's not. I would like it removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE FRAUDULENT ACCOUNTS ARE LISTED ON MY CONSUMER CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.
Product: Credit reporting or other personal consumer reports

Despite my prior multiple attempts to address this issue, the incorrect opening date remain unresolved. The incorrect opening date listed for my account have caused significant inconvenience and potentially impacted my financial standing. It is imperative that this discrepancy is corrected immediately. To support my claim, I have attached all relevant documentation once again, including proof of the correct opening date and any other supporting materials. Given the seriousness of this matter, I urgently request that your team take the following actions : Immediately correct the opening date on my accounts to reflect the accurate date. Provide a detailed explanation of the steps taken to resolve this issue and prevent similar occurrences in the future. Confirm in writing that the correction have been made to my account. I understand that resolving such matters can be complex, but the prolonged delay in addressing this inaccuracy is unacceptable. Please provide regular update on the progress of this issue until it is fully resolved. With this, I am asking for your assistance to correct the account : XXXX XXXX XXXX Balance Owed : {$3200.00}.
Product: Debt collection

Since XX/XX/2018 I've been disputing a Unverified account that do not belong to me which is Comenity bank/XXXX on my Credit Report with XXXX, XXXX, and XXXX. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) the Credit Bureaus have on file of the account. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof,. Despite more than three written requests, the unverified account ( Comenity Bank/XXXX ) still remain on my credit report in violation of Federal Law. XXXX, XXXX, and XXXX and ( Comenity Bank/XXXX ) are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.In the results of there investigations, they stated in writing that they verified that these items are being reported correctly? But Who verified these accounts? XXXX, XXXX, and XXXX  and ( Comenity Bank/XXXX ) have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 )  ( A ). Furthermore XXXX, XXXX, and XXXX and ( Comenity Bank/XXXX  ) have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA youare required to. XXXX, XXXX, and XXXX failure to positively verify these accountshas hurt my ability to obtain credit.
Product: Mortgage

My wife and I own a rental property and our current first mortgage was sold from XXXX to Ditech. We have not received any statements or an account number. We have tried to contact Ditech at their customer service number XXXX. We are able to use the automated repsonse system to obtain balance information, but it does not provide an account number. We when select the system prompt to transfer to a representative, the voice response system transfers us to a mailbox that is full. We are unable to get in a contact with a person. Our mortgage payment is 16 days past due and we are unable to willingfully make a payment. We also did not receive any information from XXXX or Ditech regarding the transfer of mortgage servicing rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I had a car loan with Fifth Third Bank since XXXX.. In late XXXX of this year, my wife had an XXXX with the car. XXXX XXXX  deemed the vehicle at total loss. Fifth Third Bank issued us a Total Loss letter dated XX/XX/2020. XXXX XXXX issued and mailed a check to Fifth Third Bank in the amount of {$9400.00} on XX/XX/2020. I noticed that the loan was not paid off on or around XX/XX/2020. I contacted Fifth Third Bank numerous times by phone, email and fax to try to rectify the situation. By the end of XXXX, Fifth Third Bank notified all 3 of the credit reporting agencies that my wife and I were 30 days late on our car loan. Fifth Third has the payoff check from XXXX XXXX in their possession. In total desperation, after countless calls and conversations with Supervisors and loan specialists, I told them I was going to file a formal complaint. Two days later, I received a phone call from XXXX at XXXX XXXX saying she would try to help. She asked if I could call my adjuster at XXXX XXXX and ask they could reissue a check. I said sure. My adjuster XXXX said it would be no problem to re-issue a check. XXXX stopped payment on the first check that they issued on XX/XX/2020 and reissued another check on XX/XX/2020. The check was received by Fifth Third on XX/XX/2020 and paid off the loan. In the interim, my wife 's and my credit score has dropped by almost 100 points each because even though Firth Third could not find the first check .. nor had any Supervisor or loan specialist ever suggested that I ask if XXXX reissue a check ... it wasn't until I threatened them with a formal complaint until anyone acted.. but our credit scores are still -100 points each because of their neglect. I sent XXXX XXXX XXXX, Senior Vice President a formal complaint via XXXX XXXX  on XX/XX/2020 and I also filed a formal complaint with the OCC. In total, beginning on XX/XX/2020, I submitted 9 email requests with copies of the check to Fifth Third, 1 fax with attached documents, and countless phone calls asking for help and explaining my situation ... Finally, after me saying that I was going to file a complaint, someone called me back ... Our credit scores are still -100 each and XXXX XXXX XXXX has yet to respond to my complaint. I've never seen a bank so non responsive and just not care. Meanwhile, my wife and I need to buy a new car and we wanted to re-fi our primary home along with our vacation home. With our credit scores being devastated by this total neglect of a bank, we are now put in negative financial situation.
Product: Checking or savings account

So on Saturday XX/XX/2021 at approximately XXXX am to XXXX I was doing online shopping on my XXXX XXXX app on my phone. I had added everything I decided purchase, and completed my order using my cash card from Cash App. I had already added their offered boost of {$100.00} off any purchase anywhere onto my cash card, specifically for this purchase, as I usually have big orders when ordering from this company. My grand total was {$150.00} and right away I had a notification pop up letting me know that the boost had saved me {$100.00} off my total purchase, and the initial charge was {$56.00} to my cash card. So the next day I go to transfer $ from my Cash App to my online games, and it said insufficient funds, so I checked my balance and activity, and all of a sudden, the {$100.00} was gone and the total purchase price went to {$130.00} so I contacted Cash App support. And it has been a nightmare since. Every time I send a message, a new agent joins and obviously doesnt read anything from the previous interactions. They keep giving me the run around, telling me that I didnt have the boost on my card, when I know XXXX well that I did. I have screenshots of all of my interactions with their support team agents, and I also have a downloaded PDF document of my transaction history with Cash App. And if you look at my statement, it clearly shows that I had some sort of boost on my cash card when I made the original transaction, because it shows a cash boost refund to my cash card. I literally am about to lose my mind with them. Theyre rude, they dont do their job, and this is now going to be a second time that Im being screwed by them. I just want them to stand by their advertisements about the boost. I want my {$100.00} back, I was saving that for dog food, and other necessary household items.
Product: Mortgage

I've been trying ever since XXXX the XXXX to get my mortgage documents. 
Homebridge Mortgage keeps telling me their sending it out and that I will receive it within 72 hours but I've never received any documents or papers since XXXX the XXXX. I've called 6 times within that time frame. Ive asked to speak with the CEO to get this resolved, they gave me someone in office and they stated the same info about sending within 72 hours. Still I have nothing! Please help me get this resolved asap, thank you for your service!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all XXXX  Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2200.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$720.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$290.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$2000.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1900.00} XXXX Date XXXX XX/XX/XXXX Balance {$1600.00XXXX XXXX Date Opened XX/XX/XXXX Balance {$39000.00} XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} XXXX Date Opened XX/XX/XXXX XXXX {$0.00} XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX  ( XXXX XXXX XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, OR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX  XXXX XX/XX/XXXX
Product: Debt collection

United Revenue Corp is trying to collect a medical debt in the amount of {$840.00} on behalf of XXXX XXXX XXXX. I was seen at XXXX XXXX which files under XXXX XXXX XXXX on XXXX  XX/XX/XXXX. XX/XX/XXXX did not file the claim with insurance as they were supposed to. Insurance information was provided to them on several occasions. I was previously seen at XX/XX/XXXX XXXX XXXX in XX/XX/2016 on the XXXX  and XXXX  which was billed to insurance. So there is no reason as to why they are choosing to not to have filed this claim with insurance as they should have done. It is now negatively affecting my credit.