23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I noticed this company attempting to collect a debt after seeing my credit report. I do not recall ever getting a letter informing me of the debt so I sent a request for them to validate the data and amount for I had medical insurance and do not believe an outstanding debt was incurred. I have sent 2 requests, both by certified mail. I have yet to get anything from them validating this debt so they have ignored me twice yet continue to report such as I have just checked today. 

I don't know how they are able to just ignore me and violate the law as they have done and are doing.
Product: Debt collection

USI Solutions called me ( a woman named   XXXX   XXXX   ) and tried to collect a Zombie debt from 2008 that was already settled with the original debtor.
I advised them of these and they threated to mark it as refusal to pay and would have a negative impact against me.
They provided False statements and representation ( trying to collect wrong amount, impersonated lawyer or government ) Attempts to collect debt not owe, No written notification was ever received Took or threatened to take negative or legal action.
Product: Checking or savings account

I filed Chapter XXXX in XXXX was granted an Order of Discharge in XX/XX/XXXX. While seeking Judgement for my Bankruptcy I reaffirmed my auto and personal loans with, Pentagon Federal credit union. I have made every payment to both on time, never missing a single payment. I currently have a Checking and Savings Account, I make a monthly deposit from {$850.00} - {$1200.00} to my checking account to cover my auto and personal loans and my life insurance payment. 
On XX/XX/XXXX At the end of the year XXXX party, I was recognized for 25 years of service and received a nice plaque and a check for {$2500.00}. On Monday the XX/XX/XXXX I deposited said check into my Penfed checking account. On Tuesday the XX/XX/XXXX, I went to the credit union to withdraw. I was then told that my Checking Account was BLOCKED as of the XX/XX/XXXX,  and they couldn't let me have my funds! I asked why and they stated The auto loan was a Bankruptcy and my personal loan was a charge off. I stated that was incorrect both accounts were in Chapter XXXX but I also reaffirmed both loans and have been making on-time payments. I've gone back several times hoping they realized they just can't hold someone's money from them. But no, I was wrong so I went back today todo an Inquiry got my Balance Then I tried to withdraw and was told on the receipt " the transaction could not be completed. No XXXX for my wife and kids this year as well as No NEW YEARS. I'm trying to rebuild my credit and recover from filing chapter XXXX. I chose to open an account with the Pentagon Federal credit union because they know the Rules. Now I choose to remove my money and they will NOT allow me to! I will be meeting with my Bankruptcy Attorney next week. Thanks for the awesome XXXX and new years 25 years of service will get you. {$0000.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I had an account that was closed years ago, and settled in good standing because of the pandemi in 2020, today XXXX several different inaccuracies were reported to the credit bureaus
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of the XXXX XXXX account ( Account # XXXX ) on my credit report. Both TransUnion and XXXX have made multiple updates to this account, yet the discrepancies remain unresolved and continue to negatively affect my creditworthiness. 

Here are the key issues with this account : Repeated Updates : The account has been updated twice within a short period, yet the reported information remains inconsistent. This suggests potential errors or a lack of thorough verification. 
Inconsistent Details : TransUnion and XXXX report conflicting information regarding the " Date of Last Activity, '' " Creditor Remarks, '' and " Dispute Status. '' Such inconsistencies cast doubt on the accuracy and reliability of the reported data. 
Account Status : Both bureaus continue to report the account as a " Charge-off, '' despite its closed status. These repetitive updates cause confusion and undermine the integrity of my credit file. 
According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that the information they report is accurate, complete, and verifiable. Given the ongoing errors and lack of resolution, I kindly request that this account be permanently removed from my credit report. 

XXXX and XXXX as both removed this unverifiable account. 

XXXX was sued for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that XXXX does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers and Transunion this can easily be your company. 

Enclosed are the following : A copy of my credit reports highlighting the disputed account. 
A copy of my identification to verify my identity. 
A copy of dispute resolution with XXXX and XXXX Please investigate this matter promptly and provide a written response detailing the actions taken. Also, I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to as a part of this investigation. Clearly, you just pushed my dispute through XXXX because you could not have read this dispute and continued to report against the FCRA. If the information can not be verified or corrected, I request the immediate deletion of this account from my credit file. 

Thank you for your time and cooperation. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

When correcting my Experian credit report. 
I am unable to remove my XXXX auto loan off my report after refinancing it The dispute page says that i already disputed one, and my dispute can't be submitted. 
I uploaded a letter that my loan is paid off. But the old balance of my loan is still displayed. And i have two loans on my report. 
Also, i emailed the XXXX XXXX about it. But they have not replied yet.
Product: Credit reporting or other personal consumer reports

shell point mortgage transferred my mortgage loan to her sister company Newrex. however, shell point mortgage continues to report the same loan payment inaccurately while Newrex is reporting the same loan payment accurately in XXXX credit report. i have called, disputed, written, appealed for shell point to stop double reporting the same loan and inaccurately reporting same but for 4 months now they have not fixed the problem. 

I am being denied credit to buy a new house, credit cards, loans and my insurance and other credit related issues have been either denied or the prices increased
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 the 15 USC 1681. 

Account Name- XXXX Acct # XXXX XXXX XXXX XXXX Acct name- XXXX Acct # XXXX 15 U.S.C1681 section 602 A. states that I have the right to privacy.

15 U.S.C section 602 A. It states a comsumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer reports containing any of the following items of any information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XX/2/17 a debt validation was sent to the company to validate the debt, in the mount of {$390.00}. and the company didnt send the proper information as far as a signature or a binding contract.
Product: Debt collection

I was pulled over with no injured party besides that the officer is not bonded in XXXX TX breach of contract to steal my trust I reviewed the bond on the Treasury calculator $ XXXX I want my bonds it mature in XXXX I claim my property fraudulent charges not reported 15 USC 1681 criminal acts
Product: Credit reporting or other personal consumer reports

Thursday, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX, XXXX received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report XXXX 
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
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 ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Was going to move to XXXX my phone will not work on there network. I received a letter from XXXX XXXX XXXX XXXX. They state my credit card score is XXXX and my score is XXXX. 

The only way this company is going to be stopped is for people to file a formal complaint with the Consumer Financial Protection Bureau. XXXX should not be allowed to require personal, protected information in order to get a copy of your consumer credit report. I WILL NOT send a hard copy of my social security card, birth certificate, drivers license, etc to ANYONE especially a company I have never heard of until today. There is a 200 point desparity with XXXX XXXX and other agencies. Please, if you see this and have had any dealings with them, file a formal complaint..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown accounts reporting to my credit report, over 60 days I have yet to receive a response on investigation. At this stage in the process my anxiety has grown ; feeling that my disputes have been ignored. Section 611 ( a ) of CFRA plainly states that a failure to investigate these items within 30 days gives reason to immediately remove items from my credit report, it has been over 60 days and the disputed items should be removed promptly. I demand these accounts be deleted immediately or I will be filing for litigation due to the stress/anxiety caused. Also, my personal information was subject to being compromised in the Equifax  data breach and possibly placed in the hands of individuals with ill intentions.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S.

Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. In accordance with 15 U.S.C. 1681i ( 7 ) I dispute this account as it lacks valid verification and evidence making it a violation. Please delete this inaccurate information promptly.
Product: Debt collection

I have disputed the account with National credit system several times before due to the amount showed due. I contacted the original creditor XXXX at XXXX XXXX, in order to request information on the amount that showed due. I was giving no explanation stated they have had new management so they do not have any documents from XXXX, just to contact National Credit Systems. Once I contacted National credit system I was told the balance was due to damages. I requested proof of damages as well as original lease and statements. I filed another dispute with XXXX on XX/XX/XXXX to validate debt and amount due.
Product: Credit reporting 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 XXXXXXXX XXXX XXXX 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.

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 item 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : -XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX : - XXXX XXXXXXXX XXXX XXXX Balance : - XXXX XXXX  XXXX Balance : - XXXX XXXX XXXXXXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX XXXX XXXX : $ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX on XX/XX/XXXX, XXXX Inquired on XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th 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, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Demand Draft Fraud : To the XXXX I do believe that BSI Financial Services Inc. Has committed draft fraud, the company perform an unauthorized debiting of money from my checking account, through demand drafts they made it possible in stealing money from me. 
Arrangements was made for recurring payments of a certain amount to be withdrawn automatically from my checking accounts. The surprise I got was that withdrawals of a different amount was done with no prior written authorization no verifiable authorization before the demand draft was submitted for payment. 
As a condition set forth in my mortgage note indicates funds will be withdrawn to cover the monthly mortgage note ; the number of draft payments authorized, a written confirmation method was used, in the event the draft was inadequate or incorrect BSI fails to obtain an express verifiable authorization for additional funds. 
BSI Financial Services should be liable for civil penalties per this violation of money obtained in violation of the draft fraud. 
On XXXX XXXX, 1996, the Commission filed an enforcement action in the XXXX XXXX for the XXXX XXXX XXXX Georgia against a cluster of allegedly fraudulent sellers of magazine subscriptions who had used demand drafts in violation of Rule. ( XXXX XXXX This was the first action filed under the XXXX. 
I consider myself a victim of demand draft fraud, upon learning of the unauthorized demand draft amount against my checking accounts which was not authorized that is inconsistent in any way with any authorization that was given the rights to increase their payments by means of a demand draft correction. 
I am reporting this incident of misrepresentation, fraud, and theft regarding this demand drafts to my state Attorney General for enforcement action. As a result to my injury resulting from the demand draft fraud exceed over two hundred dollars. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX, creditors reporting negative information on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts, filed a police report, and submitted a FTC complaint. Upon reviewing my credit report in XX/XX/XXXX, I noticed 26 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX   XX/XX/XXXX {$16000.00} XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XXXX XX/XX/XXXX {$410.00} XXXX XXXX XXXX {$6900.00} XXXX /XXXX  XX/XX/XXXX {$5000.00} 10 XXXX   XXXX XX/XX/XXXX {$710.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$2300.00} XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$290.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$290.00}??????? XX/XX/XXXX {$1900.00} XXXX / XXXX XX/XX/XXXX {$4700.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXX XXXX XX/XX/XXXX {$710.00} XXXX XXXX XX/XX/XXXX {$2300.00} XXXX XXXX XXXX  XXXX {$6900.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit with these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, blocked from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card.and and FTC Affidavit as required in F.C.R.A Section 605B.