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

XXXX XXXX Last 4 of SSN XXXX & DOB XX/XX/XXXX Credit Bureau Names XXXX XXXX Equifax To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE of {$830.00} on XXXX, XXXX, and Equifax how can XXXX XXXX opened XX/XX/XXXX This is a violation of the FCRA 15 usc 1681 ( I ) 15 usc 1681 ( n ) Civil liability for willful noncompliance 15 usc 1681 ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. 
I await your reply as I have already waited 30 days and you have Failed to complete an complete investigation on this account Their is also false inaccurate incomplete Inconsistent payment history made so all three reporting agencies XXXX shows payment history within the last 24 months This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : Equifax shows payment history within the last 24 months This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : XXXX shows no payment history within the last 24 months
Product: Credit reporting or other personal consumer reports

This debt is considered a charge off. However, this is actually considered income because i should have received a 1099c in order to account for this as income. This is not a charge off. I'm requesting that is removed because it is not debt. This is considered income and income should not be reporting on your credit report. 
Account Name ( XXXX XXXX ) Account XXXX XXXX  XXXX )
Product: Mortgage

On the XX/XX/2019, Ocwen mortgage provided a mortgage reinstatement quote. At the same time, I received a notification of mortgage loan service to XXXX. Ocwen and XXXX are one in the same company. I contacted XXXX to get a reinstatement notice but told it would take 5 business days. Yet the Ocwen system could immediately provide me with a quote. To prevent additional fees being charged, I bankwired {$18000.00} to Ocwen from XXXX XXXX XXXX. As of this date, I've deal with Offshore call centers who are absolutely clueless and are showing nothing. One would think that a bankwire and the loan status, would get priority when processing a bank wire. I've bank wired funds in the past to Ocwen and they were applied immediately. I'm tired of the run around and the clueless call center employees. I want the funds applied as of the XX/XX/2019 when they were received I've attempted to contact the CEO or the executive response unit. Nothing exists as I suspect they would be inundated with complaints like mine.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

On XX/XX/2022, I spoke to a XXXX from Northwood Asset Management Group regarding monthly charges that were being automatically deducted from my checking account for an alleged debt to XXXX XXXX. I authorized her to take a ONE-TIME payment of {$1000.00} and requested that they provide me with an accounting of any and all payments made on this alleged debt as well as the original paperwork from XXXX XXXX. Once this was received by them, I would be able to confirm what was actually paid or owed. Instead, I received a simple XXXX  spreadsheet showing payment to them ( NAM Group ) rather than all payments made on the loan. When XXXX called me this past Tuesday, XX/XX/2022, I explained to her that although I received the email from them ( sent by an XXXX XXXX who I have never spoken to nor do I know ) I had not had an opportunity to look at it yet. Now today, they have resume UNAUTHORIZED debits in the amount of {$440.00} from my checking account. I have already reported this to my bank as fraud.
Product: Checking or savings account

On  XXXX   XXXX  ,2016 I did  a ACH Debit from m y Chase acco unt to a money transfer service call  XXXX  in the amount of {$590.00} the money was sent to a  XXXX   XXXX  in  XXXX ,  XXXX  well the money was never received by  XXXX . Now my wife also sent  XXXX   XXXX  money using  XXXX  on  XXXX   XXXX  ,2016 in th e amount of {$1400.00} which she never received. My wife and I found out about this issue around the end of  XXXX  that  XXXX  never received the total of {$2000.00}. We contacted Chase as soon as we found out which was at the end of  XXXX  and also in the first week of  XXXX  we told them about this claim. Chase advised us to go put a claim with  XXXX  go through the process with them if they do n't help you call us back and Chase will honor the claim.  A Chase Claims Manager e ven advised me to take  XXXX   XXXX  to court because that 's the bank that  XXXX  used for the transaction so I did. I paid court fees pulled my daughter out of school and my daughter had to sit in court all day till evening with me because I had no one to take care of her my wife had to work she could n't take off. So when my  case came up the Judge told me that I am going after the wrong bank he said Chase should be here. So it was a total waste of time I followed the advice of Chase Claims and the Manager that   advised me to take  XXXX   XXXX  to court. After all of this running around which took a few months I calle d Chase Claims back and they still  refused to refund our money back and the excuse they used is that we are calling for the first time in  XXXX  which is a total lie. So this is where my wife and I are with Chase I called Executive offices as well and they give me the same excuse about not calling sooner when I and my wife did. They are playing a game of it 's my word against theirs and it 's not right and not fair. I followed every bit of information and advice they gave me from  Claims Customer Service to upper Management and they refuse to help us. We called and follo wed their advice and now when we call back they will not honor it should you need any proof of the transaction in I can fax them over if you contact me thank you for your time.
Product: Debt collection

This account was opened by me an closed 10 minutes later because i felt it was a scam. I never ordered or received any goods, but it still reports bad information on my credit report and has also sold debt to XXXX funding, who reports saying i owe late payments of {$32.00}. This information is hurting my credit score, please delete.

I contacted this lender twice, and got no answer, instead XXXX mailed me a letter saying i owed {$32.00} but gave no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required XXXX  Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX, WELLS FARGO BANK XXXX XXXX Opened : XX/XX/2016 Balance : {$0.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX 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: Debt collection

I submitted a complaint to you on XX/XX/24 that I never got notice of this debt from XXXX XXXX XXXX. You closed this account and they are still on my credit report. If you will please look at the response they sent you explaining about why I owe and if you will look at their information it is for a Title Max loan not a Speedy Cash Loan as I was disputing. I have never had a Title Max loan and all the information they sent you was incorrect. I want them off of my credit report immediately. They been reporting on my credit report for over XXXX years never posting the correct information. Now they have done it here with a total different account that I have no idea about and not even about Speedy cash. Please can you reopen this and help me get the information I have requested. If the wrong information was posted here what do you think they have done to my credit report.
Product: Credit card or prepaid card

Citibank send me a credit card invatation to open a new credit card and said if I used XXXX dollars with in the first 3 months I will be give XXXX points. I used over XXXX and its just been XXXX months. I call to ask about the points and after transferring me a few times they said I dont qualify for this because I cancel one of their cards recently. How will I be able to keep track of what I cancel or did with their cards. But the send me the invitation and I complete the requirements and deny the bonus. They told me this was on their disclosure when I sign up but why would the offer me this when I do not qualify.
Product: Debt collection

The Creditor did not have the consent of the Surety to talk to the debtor regarding the debt by law that exonerates the Surety and discharges the debt.
Product: Credit reporting or other personal consumer reports

Identity theft. A company I was contracted with ( signed contract by all parties available ) used my personal information to obtain loans and then defaulted on said loans. The signed contract specifically stated the companyXXXX XXXX, XXXX will be liable for all money raised and used for commercial real estate investing purposes. I raised over {$85000.00} for commercial real estate investing and provided that money to the company for investing purposes. Investments were never made and the money was used fraudulently. they breached the contract and for that reason I am suing them in the XXXX XXXXXXXX XXXX XXXX  court. Please see the lawsuit petition attached to confirm the lawsuit exists. Because of the theft of MY personal information to obtain funds fraudulently, I have requested the credit reporting agencies block all negative accounts listed on each of the 3 credit reporting agencies records. I formally requested this action take place per the FCRA in XXXX of XXXX  and have the proof of delivery of documents from the USPS on XX/XX/XXXX for XXXX XXXX of XXXX for Equifax and XXXX. These documents are attached to this complaint. XXXX, Equifax and XXXX have not followed the laws that are in place to protect consumers and I am requesting assistance in enforcement of these laws. My credit was profoundly damaged because the ID theft and fraud from the contract breach of which I am suing for. I expect the laws to be followed and all negative items listed in the letters sent to the CRA 's on XX/XX/XXXX be deleted within the 4 days the law allows.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account doesn't belong to me. 


XXXX XXXX Closed : XX/XX/2017 XXXX
Product: Credit card

My wallet had been stolen while I was at work. All of my other cards caught the fraud immediately except citi bank home depot card. I called and canceled the card, they sent a new card with the same number. My card then was used fraudulently. I called to dispute the charges, they said it was fraud and they would change it. Now I'm being sued by citi bank for the charges.
Product: Credit card or prepaid card

I do owe a past balance on my account but it is only 1 month late. I don't mind the phone calls to my cell phone, but on XX/XX/2019, Total Card Visa called my employer and harassed them about where I was and when I was going to be paid. That, in my opinion, is unethical. Never have I gave Total Card permission to contact my employer, let alone harass them.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Transunion failed to conduct a thorough investigation of my credit dispute, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531. Despite providing supporting documentation and clear evidence that the information was inaccurate, Transunion did not correct or properly validate the disputed account information.

Under the FCRA, Transunion has a legal obligation to conduct a reasonable investigation when a consumer disputes an item on their credit report. Transunions failure to meet this obligation suggests a lack of due diligence in reviewing the evidence and verifying the accuracy of the negative item in question.

I respectfully request that Transunion provide evidence of : The specific steps taken during their investigation.

Copies of any correspondence or verification documents obtained from the data furnisher ( s ).

Any internal reports or findings that support their decision to retain the disputed information.

If Transunion can not substantiate a thorough investigation, I ask that the negative item be immediately removed from my credit report pursuant to FCRA requirements. These are the accounts that I have marked as inaccurate : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  or Equifax are refusing to respond to my 3 previous dispute letters. I have sent them evidence and proof of all issues and they so not respond or update my report to reflect the accurate information. I have requested my updated and corrected credit report and they do not compliy.
Product: Checking or savings account

XX/XX/2024 I received an email from Credit Karma stating my account was being froze due to fraudulent activity ( 2 devices were signed in ) they emailed me asking for a selfie, a photo of front and back of my ID and I sent that to them 3 times once XXXX twice on XX/XX/2024. 
XX/XX/2024 I received my direct deposit of my paycheck XXXX cant touch it with a froze account. So I called XX/XX/2024 the person said they see that my information was received and that the higher ups have to look into it and XXXX business days I should get an email so I called again XX/XX/2024 I spoke with an agent was transferred and given the same lines I have to wait for an email and there is no one I can speak to directly, I called again today XX/XX/2024 and was given the same run around I have reached out 3 times by email and have not been answered Ive asked if they would send my deposit back to my employer they told me they couldnt do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

On around XXXX to XXXX I saw alot of pre approvals on credit karma but credit karma sent me pre approvals telling me I could have these credit cards and personal loans and refinance my vehicle I would see this every time I logged in. 
I got so many offers I started telling everyone I would be applying and my approvals for so I finally I applied on around XXXX and I got denied for two credit cards and a personal loan I was very very disappointed credit karma told me for months I was approved this was a huge lie. I was so stressed out I had migraines and depressed. Now every time I see pre approvals I get sick I don't want to even use there app I get scared to even check check as I should
Product: Credit reporting or other personal consumer reports

Request for Full Investigation and Verification of Credit Report Discrepancies ( YES THIS IS INDEED THE REAL XXXX XXXX ) I am writing to formally request a thorough and complete investigation into discrepancies on my credit report that I have raised multiple times in the past. Since my identity was stolen in 2012, unauthorized accounts, collections, late payments, and inquiries have appeared on my profile. Despite numerous attempts over the years to have these items properly investigated, the issues remain unresolved. 

XXXX years ago, my credit report directly impacted my ability to secure a career opportunity, and I am still dealing with the consequences of these errors. Despite providing police reports, FTC reports, and evidence from XXXX XXXX, which confirm that my personal informationincluding my driver 's license and Social Security numberhas been involved in multiple data breaches ( such as XXXX, XXXX, Equifax, and XXXX XXXX  ), the disputed accounts remain on my credit report. 

I have repeatedly requested documentation verifying how these accounts were authenticated, including proof that my identity, signature, and authorization were used to open the accounts. Unfortunately, I have only received vague responses stating that the accounts were " verified '' and " accurate '' without any supporting documentation or evidence. 

This lack of proper investigation is not only frustrating but also a violation of my rights under the law. I am being unfairly held accountable for fraudulent accounts and inquiries that I did not authorize. As a result, I have been unfairly restricted from obtaining a new car, home, and, most importantly, a job at a credit union that I was offered and truly wanted. 

I respectfully request that you conduct a thorough, detailed investigation into the following accounts, inquiries, and past-due payments on my credit report that I have no knowledge of or authorization for. I require full verification and evidence of your investigation, including how these accounts were verified and authenticated. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- showing closed like it should on Equifax but others not Accounts are being taken off and placed back on my credit profile without any explanation Address : 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 Thank you for your prompt attention to this matter. I look forward to receiving your response and the necessary documentation to resolve this issue. 

Sincerely XXXX XXXX
Product: Debt collection

I had an account with XXXX XXXX and my account Was paid in full and I do not have XXXX anymore because they have made me pay for services over 2 years and all was paid up and now I have an account with XXXX XXXX  and if my account was not paid up I wouldnt have NOT been able to get an account with XXXX XXXX!! 
SO THIS BILL IS DEFINITELY A MISTAKE AND I DO NOT OWE ANYONE SUCH A BILL!!! 
I can call XXXX. And have them email a statement that I do not owe such a bill and that my account was PAID IN FULL! 

If this Jefferson Capital continues to harasse me I will definitely report this to the XXXX AND HAVE MY LAWYER CONTACT THEM ALSO!!!! 
VERY TRULY YOURS MS XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX and XXXX of XXXX, five different loans were opened in my name using an address of XXXX XXXX XXXX, XXXX, NC XXXX. The five loans where through a company called XXXX XXXX and ranged in cost from {$8.00} to {$3700.00}. That address has never been a residence where I have ever lived. 
In XX/XX/XXXX, I called XXXX and spoke with XXXX about my fraudulent claim but no help. 
I called Experian and spoke with an automated phone service and that resulted in zero help. 
I disputed the loans online through Experian and that did not help me either. 
I then sent an Identity Theft claim through the Federal Trade Commission and that resulted in 4 of the loans being taken off my credit report. The loan that remains is the {$8.00} one and it is listed as a charge-off. Also, that address is still listed on my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed credit report in XX/XX/2019 and found a XXXXXXXX Credit Card was opened using my personal information. Contacted credit bureaus to remove information and was denied due to verification from creditor. No evidence of verification was produced. 
Contacted XXXX XXXX directly and they are refusing to close account and remove from credit reports. I have requested numerous times to produce evidence and no evidence has been given showing the account belongs to me. I filed a police report, a complaint with the FTC and complaint with IC3 and mailed all the complaints along with a letter and verification information ( License, social security card and current bill ) to both credit bureaus and creditor and the account still has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want my fraud 2 inquireys iff for XX/XX/XXXX and XX/XX/XXXX. 

Then take off illegal reporting for last 4 years on my XXXX credit card for XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 15 U.S.C1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.