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

I'm issuing a complaint against NetCredit Loans. NetCredit has placed an account in collections since XXXX, which opened due to fraud. I have sent NetCredit a copy of my police report and closed bank statement XX/XX/XXXX, indicating I was a victim of fraud. I've worked with NetCredit and XXXX numerous times to remove the account, and the company has refused to remove the negative mark and account from my credit report. I've been turned down for a loan due to the negative reporting and denied refinancing my student loans. The two companies are now violating the Fair Credit Reporting Act and performing defamation of character. A representative advised several months ago, NetCredit received my paperwork to work on the fraud activity, and I still have no results. On XX/XX/XXXX, a representative stated the fraud department closed my case without contacting me or removing the account.
Product: Vehicle loan or lease

Toyota has violated there own Arbitration Clause by repossessing my vehicle XXXX XXXX XXXX on XX/XX/XXXX without using the Arbitration clause. TMCC has violated my rights by repossessing my vehicle without a court order from a judge. TMCC had a third party company to come on my personal property and repossessed the car from my driveway.
Product: Credit reporting or other personal consumer reports

I am reaching out with urgency and frustration regarding an account on my credit report that does not belong to me. This error has significantly impacted my credit score, making it difficult for me to move forward financially. I am deeply concerned as this is linked to identity theft, as I have never opened/authorized this account.
Product: Debt collection

Account Name : SYNCBXXXX, Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX
Product: Checking or savings account

Chime denied my duplicate charge claim and not they said they reopened it and taking more time without giving any temporary credit nor any information about why they think an issue didnt occur. this is uncalled for! this was for Dispute # XXXX for XXXX transaction that happen twice. XXXX for {$100.00} and another for {$200.00} they gave no reason to why they dont think it was a duplicate litterally happen seconds from each other!
Product: Credit reporting or other personal consumer reports

I have contact TransUnion on XX/XX/XXXX to report my inquires on my credit report as unauthorized, I had provided the proper documentation to have these removed as they negatively impact my report. The company then sent a letter within 7 business days saying that the inquires were verified. However, they were indeed not as even the businesses that inquired about had sent letters recommended a freeze on my report as they felt it may have been identity theft ( ex. XXXX ). 

Additionally, another account had popped up without my consent under " CURRENT '' which I had closed promptly but I am unable to dispute due to their restriction on their Service Center online. XXXX is another account that appears which is unauthorized. 

I am requesting the following to be removed from my report : Inquires : - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts : - CURRENT I will be in providence of an updated FTC report , legal identifying documents , and a police report filed with a copy of the card ( which includes the officers signature, badge number, date, and case number ). I have previously filed a complaint and the response was unsatisfactory as they requested information to process my request, but gave me no sources to submit such information. Therefore, I will be submitting my request with the requested documentation from a previous correspondence.
Product: Debt collection

i have a payday loan which went into collection agency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX file # XXXX.orignal debtor was checksmart financial co inc, california check cashing. i settled this debt with them on XXXX/XXXX/2011 and they send me settlement letter. now another debt collection agency XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX # XXXX is trying to collect same debt from me.they placed the debt on my credit file. i tried to reach out to them but no solution.please help. thanks
Product: Credit reporting or other personal consumer reports

I was receiving a lot of letters from this collection agency. I did pay the balances and they told me that these account where going to be removed after the payments were made. I been trying to getting these accounts removed because they were settled and the company has not being intereses with these accounts. This accounts are affecting my credit score and my credit report. I want to buy a my first house and they are keeping my credit score to grow and they are keeping me away from getting new credit. These accounts has been on my credit report for 5 years. These accounts are comenity capital bank/zale close on XXXX XXXX paid and settlement comenity capital bank/ my close on XX/XX/2018 paid and settlement and the last one comenitybank/ express paid and settlement. Please I hope you can help me because XXXX XXXX, XXXX and XXXX are not willing to remove these accounts from my credit report.
Product: Money transfer, virtual currency, or money service

Wellsfargo got my international wire money XXXX dollars last octubre XX/XX/2020 and at this time that money is not in my family account in XXXX and is not in my USA account too! I called then several times and they didnt resolved anything! Now Im requesting prove of they give that money to XXXX XXXX that was intermediary between XXXX XXXX and Wells Fargo, and I have 7 days waiting for it! I dont have any documents to ask in XXXX for my money there! Please help me to locate my money and get it back
Product: Credit reporting or other personal consumer reports

Disputed several pieces of information on report that is incorrect. Asked by writing letters to delete incorrect information but haven't heard anything from the company
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my one of my numerous 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 an alleged fraud or extortion. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. XXXX XXXX XXXX XXXXXXXXXXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, and XXXX XXXX XXXXXXXX.
Product: Debt collection

Apparently XXXX XXXX sold my bill to BULL CITY FINANCIAL has reported a debt on my credit report! Ive received no voicemail or mail regarding this debt, whatsoever! Now my credit report has lowered by 51 points due to debt being requested as unpaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act -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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # 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: Mortgage

In XX/XX/XXXX I filled a Chapter XXXX Bankruptcy, the Bankruptcy was closed XX/XX/XXXX. Through the Bankruptcy Court a motion was granted to avoid unsecured liens on multiple properties. 

Dietech Financial ( lien held by Greentree during bankruptcy ) is the owner or servicer of one of the avoided liens. On XX/XX/XXXX I contacted Dietech to verify the lien had been released and re-conveyed. I spoke with XXXX in the bankruptcy department and was told my request would be forwarded to local counsel for review. On XX/XX/XXXX I contacted Dietech and was told the language in the motion stated release is contingent on discharge of bankruptcy and they will not release the lien unless I was able to get the ruling revised. 

Unlike other types of bankruptcy in a Chapter XXXX there is no discharge. The plan of reorganization is confirmed by the court and the case is closed. I have had two liens that were released based on the granted motion to avoid and both of them contained the same language regarding discharge. XXXX released a junior lien on XXXX XXXX XXXX XXXX my primary residence and Real Time Resolutions released a junior lien on XXXX XXXX XXXX. 

Dietech is the only lien holder who refuses to honor the motion to avoid. I believe that Dietech is attempting to force me to go back to Court and re-open the case to amend the order. Dietech knows this will be expensive and cause damage to my credit. 

Attached are copies of the following documents : 1. Bankruptcy Order to Close 2. Motion to Avoid Liens 3. Letter from Dietech regarding lien 4. Re-conveyance from XXXX 5. Re-conveyance from XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint because TransUnion has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to ensure the maximum possible accuracy of my credit report and to conduct a reasonable reinvestigation of disputed information, as required under Section 611 ( 1681i ). 
On XXXX XXXX XXXX I received a credit report from TransUnion, reference number # XXXX, which includes an account from XXXXXXXX XXXX XXXX XXXXXXXX ). While the account was marked as " updated, '' significant discrepancies remain unresolved. These inaccuracies negatively impact my credit profile and compromise the integrity of my credit report. 
The following discrepancies have been identified : Date Opened : Inconsistent dates. TransUnion reports XX/XX/XXXXXXXX while XXXX and XXXX report XX/XX/XXXXXXXX 
High Credit Amount : Discrepancies in the high credit amount. TransUnion and XXXX report {$2600.00}, while XXXX reports {$2500.00}. 
Credit Limit : Inaccurate credit limit. TransUnion and XXXX report {$2500.00}, while XXXX reports {$0.00}. 
Payment Status : Differences in the " 60 days late '' status reported across the bureaus. 
Last Reported Date : Dates do not match. 
Date Last Active : Inconsistent dates. TransUnion reports XX/XX/XXXX, while XXXX and XXXX report XX/XX/XXXXXXXX 
Date of Last Payment : Variation in reported dates. TransUnion and XXXX report XX/XX/XXXXXXXX while XXXX shows XX/XX/XXXXXXXX 
Despite these discrepancies, TransUnion has failed to : Provide a detailed description of the procedures used to verify this information. 
Identify the name, address, and telephone number of any person or entity contacted regarding this account. 
Present any documentation bearing my signature to validate the reported information. 
Additionally, TransUnion has relied on automated systems, such as e-OSCAR, for verification, which is insufficient for a thorough reinvestigation under the FCRA. I also filed a formal complaint with the Federal Trade Commission ( FTC ) regarding this matter, identified as FTC Report Number XXXX, to further document TransUnions non-compliance. 
Impact of the Issue : These unresolved inaccuracies are damaging my credit score, harming my financial reputation, and causing significant stress and financial hardship. TransUnions negligence has created barriers to accessing financial products on fair terms, undermining my ability to manage my finances effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

To date I have mailed Equifax a total of four dispute letters listing a number of entities that are inaccurate accounts that they are listing on my credit report. I have asked them to send me copies of the documents that they have in their files that they used to verify the accuracy of these disputed accounts. <P/>Section 609 of the FCRA identified as 15 U.S.C. 1681g gives me, a consumer, the right to ask for this information. It clearly states, Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer all information in the consumers file at the time of the request This section of the FCRA is saying that if a consumer asks the correct way, in writing, and properly identify themselves, the 3 bureaus are required to disclose to the consumer exactly what documents are stored within their computer base. <P/>Their response to all of my dispute letters basically parrot what the information provider tells them, all items identified in your complaint have previously been verified as accurate by the data furnisher They also shift the burden back to me by stating that if I want any documents that I should contact the information provider and request it from them. They are not re-investigating anything. They are simply taking the word of the information provider and admitting that they did not and can not verify the accuracy of the disputed item themselves. <P/>If they dont have any documents in their files to prove that they verified the accuracy of the disputed account ( s ) then they obviously did not properly verify the account and can not verify the account as per the terms of Section 611 ( 5 ) ( A ) of the FCRA which states that they MUST delete the unverified disputed account from the consumers credit file if it can not be verified. <P/>Secondly, to add insult to injury, as I mentioned earlier, they told me to go and contact the information provider myself and dispute the accounts with them. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ) of the FCRA.
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A consumer shouldnt have to spend 6 months to a year or more to get inaccurate unverified information removed from his/her credit file. Credit Bureaus should be made to comply with Section 611 ( a ) ( 5 ) ( A ) ( i ). Refusing to comply after sending them 5 letters shows their willful disregard to comply and they should be dealt with accordingly by the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative remark on my report that I don't recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my XXXXr told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair Credit Reporting Act XXXX  Account # XXXX ( XXXX  XXXX ) /XXXX  XXXX  # XXXX XXXX  XXXX XXXX # # XXXX ) / XXXX  / XXXX  # XXXX / XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

A charge by " XXXXXXXX XXXX '' was made against my debit card and the bank correctly declined the transaction at that time. I did not make that transaction and have never had business with that merchant. They then apparently sold the fraudulent debt to a debt collection agency ( XXXX XXXX ) with filed a credit report against me. I have tried multiple times ( XX/XX/2021 and XX/XX/2021 ) to get Experian to remove the invalid record in my credit report, but they have not made any changes. I want them to remove the invalid report as they have no evidence to back up their claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report shows there has been fraudulent activity on my report form different creditors and i dont know how to fix it or how it got there
Product: Debt collection

I am writing to request your intervention regarding a credit report entry by National Credit Systems that is unjustly affecting my financial well-being. 

Account Details : Original Creditor : XXXX XXXX Current Creditor : National Credit Systems Balance : {$6400.00} Account Number : XXXX XXXX XXXX wrote off the debt and sold it to National Credit Systems. Despite this, the entry on my credit report is preventing me from securing employment, loans, and even housing, as it severely impacts my creditworthiness.

This situation is not a mere error but a consequence of unfair financial reporting practices. The persistence of this negative entry, despite my attempts to address it, is causing significant distress and hindering my ability to move forward in life. I urge the CFPB to examine the reporting practices
of National Credit Systems and to facilitate the removal of this entry from my credit report to preserve my livelihood.

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

Albert ( XXXX XXXX XXXX ) ; Albert is a financial management application that hosts or offers to that of financial management and investment tools ; with that of a prepaid debit card service. Upon linking stated card with my XXXX XXXX XXXX account ; such service provider engaged in mutliple transactions non-initiated by myself the user. When contacting the company of regard ; the company sent back a flippant ; " This is what our service offers email '' ; indicating a state of non-care to company intiated transactions and exhibited manipulation of user funds debited from the XXXX XXXX XXXX account and transacted to that of Albert. Of which potentially involved to that of hidden fees referant to the use of such stated service. Access had to be subsequently removed from XXXX  XXXX XXXX ; and each illustrated debit referented of association to that of fraud for the purposes of preventing such stated transactions and transactionality. When requested the deletion of such stated account ; such service potentially did not reply under after addresing such with XXXX  XXXX XXXX. Use of 3rd party banking or payroll applications typically defaults to that granting access to that of primary bank accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Demand for Immediate Removal of Inaccurate Negative Reporting CFPB Complaint To Whom It May Concern, I am writing to formally dispute the validity of the debt you are reporting on my credit report. This erroneous reporting is severely impacting my ability to obtain necessary credit and secure stable housing for my family. Your actions constitute a violation of federal consumer protection laws, and I am prepared to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities if it is not remedied immediately. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, a debt collector is required to provide a consumer with a written notice of the debt within five days of initial communication, allowing the consumer to dispute its validity. I have never received such a notice, nor was I given the opportunity to verify or challenge this alleged debt.

Furthermore, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, mandates that furnishers of information to credit reporting agencies must ensure the accuracy and integrity of the data they report. Your failure to properly verify and notify me of this debt before reporting it is a clear violation of these consumer protection statutes. 
In XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), the court reinforced that a debt collector can not assume a debts validity without substantiating documentation. Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), clarified that debt collectors must have a permissible purpose to report negative information. Given your failure to notify me and verify the debt, your reporting is not legally justified. 
Based on these violations, I demand the following actions immediately : 1. Cease all reporting of this debt to the credit bureaus ( Experian, XXXX, and XXXX ). 
2. Provide documentation proving that I was properly notified and that this debt is valid.

3. Immediately update my credit file to remove any derogatory information related to this debt.

Failure to comply with these requests within 15 days will result in my filing a formal complaint with the CFPB, the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will seek legal counsel regarding my rights under the FDCPA and FCRA. 
Please confirm in writing that this matter has been resolved, and all negative reporting has been deleted from my credit file. You may send your response to the address listed above. 
Sincerely, XXXX XXXX