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

This tradeline is being reported after I have disputed more than 90 day ago. Pursuant 15 U.S. Code 1681 a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. This account was open XXXX XXXX. I filled an FTC report on XXXX XXXX. Pursuant 16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. I am asserting my right against XXXX XXXX. This contract is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing inaccuracies for a little over a yeah with XXXX. 
This is my final attempt to remedy this reoccurring issue with them. 
I've recently submitted a dispute with all my verifying docs, court paperwork, and police reports on all inaccurate information and fraudulent accounts. I sent this information last Friday XX/XX/2023 sent certified mail and they received it Monday XX/XX/2023 per my tracking. 
I need all inaccuracies and fraud accounts removed from my credit file immediately, even from their rent reporting bureau as those accounts have been paid. 

Per The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/2022 under the account number ( XXXX ), a personal credit card account opened at XXXX on XX/XX/2022 under the account number ( XXXX ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

During a security clearance check for my employment ( I am a XXXX in the XXXX XXXX ) a collection account was discovered on my Experian profile showing I owe XXXX dollars for an XXXX XXXX XXXX in XXXX. 

I have lived and worked without any break in service since XXXX  in XXXX, XXXX and the XXXX. 

I am including my XXXX driver 's license showing I am a resident of XXXX now, since XXXX. 

A third party opened the account in my name without my knowledge or consent. 

This must be investigated, and removed from my profile since it clearly is, and never was my account.
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the RECEIVABLE MANAGEMENT GROUP ( XXXX XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are reporting on my Credit Reports : RECEIVABLE MANAGEMENT GROUP ( XXXX XXXX XXXXXXXX XXXX ) ***** Opened XXXX. XXXX, XXXX Balance {$1100.00} RECEIVABLE MANAGEMENT GROUP ( XXXX XXXX XXXXXXXX XXXX ) ***** Opened XXXX XXXX, XXXX Balance {$390.00} RECEIVABLE MANAGEMENT GROUP ( XXXX XXXX XXXXXXXX XXXX ) ***** Opened XXXX XXXX, XXXX Balance {$230.00}
Product: Checking or savings account

On XXXX XXXX, Chase closed my checkings and savings accounts saying that they think XXXX checks I deposited in XXXX are suspicious because they couldn't verify the issuer of the XXXX checks. By the time they closed my accounts, the remaining balance is around {$5800.00}, and Chase has been freezing my money for over XXXX and a half months. I have contacted Chase customer service multiple times, but the customer representative keeps telling me they are going to hold the funds, and they can hold it for as long as XXXX years. And today I received a call from the issuer of the XXXX checks verifying that the funds have been cleared from their end, meaning the money is already in the Chase system. I have to sell my car to cover my living expenses for the past XXXX months and this has caused so much incovenience for me.
Product: Debt collection

I am filing a complaint against your company for unfair debt collection practices & tactics. On XX/XX/XXXX, I found out that there was a freeze on my checking account in the amount of $ XXXX which put my account in negative status. I immediately called the bank for more information and I was given the name and telephone number of a XXXX XXXXXXXX. I called the number given and the automated service picked up and gave out information as well as a website- texasreceivership.org for more information. I went to the website and put in some information, then I was able to download the documents pertaining to a judgement against me dated XX/XX/XXXX in XXXX XXXXXXXX XXXX for the amount of {$7300.00}. The documents were from the receivership XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have NEVER done business with XXXX & I don't have any knowledge about the alleged debt. I was NEVER notified of this judgement nor received any documents. I am not a current resident of XXXX XXXX, and I have not been since XXXX. In XXXX of XXXX, I checked my credit reports and noticed some inaccurate information- including accounts from Midland Credit XXXX XXXX I disputed the items with all XXXX credit reporting agencies- and the accounts were removed from my credit reports. In XXXX, I received a letter from XXXX stating that they were in the process of closing the account and they have requested that the law firm handling the account dismiss all pending legal actions, release any judgement obtained and close the account. This is a violation of The Fair Debt Collections Practices Act ( FDCPA ). I NEVER received a validation notice with the name and mailing information of the debt collector ; Name of the creditor to whom the debt is owed ; the account number associated with the debt ; an itemization of the current amount of the debt that reflects interest, fees, payments and credits with dates that I may be able to recognize or verify with records ; the current amount of the debt as of when the validation notice is provided ; information about my debt collection rights including how to dispute the debt. According to the CFPB, there are certain steps debt collectors must take before they can report a debt to a credit reporting agency- which consists of speaking to me by phone or in person about the debt; mailing a letter or send electronic communication about the debt and wait for a reasonable amount of time, generally 14 days in case it is returned as undeliverable. I will be attaching a " Debt Validation '' notice along with the letter that I received from Midland Credit Management stating that the account was closed! I hereby request the freeze on my account be lifted, as well as any fee 's charged to my account because of the freeze. I will also forward a copy of the letter and this complaint to the Federal Trade Commission ( FTC ), Attorney General 's office of Texas, and the XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Account Number : XXXX I am writing to formally dispute your claim of ownership and collection rights over the debt associated with the account in question. After conducting a thorough review of the records pertaining to this account, I have identified the following issues : Transfer of Debt to Capital One XXXX XXXX ( XXXX ) and Capital One XXXX XXXX XXXX  ( XXXX  ) : I have clear and indisputable evidence that the debt in question was transferred to the Capital One XXXX XXXX under reporting file number XXXX. As such, ownership of this debt was legally transferred to the trust, and there is no record indicating that it was subsequently reassigned or transferred back to you. Therefore, you no longer have the legal standing to collect on this debt. 

Violation of the Fair Credit Reporting Act ( FCRA ) : The continued reporting of this debt under your name is a direct violation of the FCRA. Reporting inaccurate information to credit reporting agencies undermines the accuracy and integrity of my credit profile, causing unnecessary harm to my financial standing. 

I am formally requesting that you immediately cease all collection activities related to this debt and ensure that all references to this debt are removed from my credit reports with all consumer reporting agencies. Failure to comply with this request may leave me with no choice but to pursue legal action to protect my rights under the FCRA and any other applicable laws. 

Please confirm in writing within 30 days of receiving this letter that : You have ceased all collection activities related to this account. 

All references to this debt have been removed from my credit reports. 

If you believe this matter requires further clarification or documentation, please contact me in writing at the address provided above. I expect your prompt attention to this matter and resolution in accordance with applicable laws. 

Sincerely, [ XXXX XXXX All Rights Reserved Without Prejudice
Product: Mortgage

XXXX XXXX XXXX  has been reporting incorrect information on my credit report. Currently, my report shows : *I have a $ 0 monthly payment making lenders assume that the account is in forbearance. 
*A 60 day late payment for XX/XX/XXXX payment which was made on XX/XX/XXXX. 

Previous reporting errors include : *The balance on the loan XXXX $ XXXX monthly payment *On time payments being reported as late payments. 

I have contacted the company multiple times over the last 3 months regarding incorrect reporting information. I was told that the issue has been noted on the account and is processing. 

Some of the issues were corrected, such as, the late payments and the loan balance. However, the $ XXXX  monthly payment was never addressed and now an additional 60 day late XXXX XXXX XXXX has been added.
Product: Student loan

Navient deducted a private student loan payment from my credit union checking account without any authorization from me. I have contacted them several times over the past 2 months ( XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 ), sent them copies of my bank statement via fax ( XXXX/XXXX/15 ) and email ( XXXX/XXXX/15 ), yet they fail to refund the {$23.00} insufficient funds fee I incurred as a result of their unauthorized bank debit.
Product: Debt collection

A Representative claiming to be from XXXX XXXX from The Solidus Group, LLC contacted my father and proceeded to not only tell him about my debt on an outstanding loan, but give balances, and a case number. He told my father that he was going to have me arrested and would charge me with criminal charges. 
When I finally was able to get in contact with someone ( they have a very impenetrable phone system ), the man who answered told me I was wasting my time calling without an attorney and they would see me in court. He kept cutting me off and telling me I was willfully trying to fraud the lender. When he eventually stopped talking long enough for me to get a declarative sentence out, he transferred me to a female collection agent who told me I had to pay with only a debit or credit card. After taking my information, and setting up XXXX payments for half of the balance, she hung up. I tried calling back several times. I then attempted to contact the next day where the original gentleman who contacted my father told me I had better let all of those payments I set up go through or they would " see me in court and charge me with criminal charges ''. I attempted to ask for him to validate the debt or send some information in the mail, but he, like the first guy I spoke to, kept cutting me off and hung up. I called back but the number immediately went to voicemail. I have never been contacted before by these people and have received no notices in the mail or anything about this outstanding loan from either the original lender or this so called third party collector. Proper collections protocol was NOT FOLLOWED in the slightest. FURTHER MORE- when I was told that this was going to court no information or formal summons or complaint of writ was sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an authorized user on my grandparents checking account-only for emergencies. In either XX/XX/XXXX or XX/XX/XXXX, the account was closed. I was not aware of the accounts status because another family member began overseeing the account. Hence the fact that I had not been active with the account, I forgot that I was actually authorized for emergency use. Four years later, the charge-off appears on my credit report. I am not responsible for any charges remaining on this account.
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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX  XX/XX/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 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: Debt collection

I am being sued over a credit card that i have never had, which company says was opened back in XXXX and closed in XXXX. I was hacked 3 times from XXXX. My internet company was asked 5 times over 3 yrs to change my secuirty key, XXXX XXXX never changed my security key. I had fraud on both my bank accounts in the amounts of around XXXX I have submitted an claim for XXXX and XXXX XXXX! they both were hacked! Also my XXXX card was back in XXXX of this year! almost XXXX. XXXX was hacked too! Had many fraud with that account too! Also XXXX XXXX  on XXXX ordered a hat and soap which have which now with one of my cards of XXXX Every day is a new surprise in my email! Someone has messed with a XXXX XXXX account that I haven't used in 10 yrs! Someone opened a dept XXXX XXXX account! I ll never have had any XXXX XXXX account ever! My credit is frozen and has been since XXXX of XXXX My husband has been deseaced for 14 yrs, he had an ex-wife from XXXX. She and her family made our life 's misarable. She had 2 cars repoed lost there family home! But card and fake accounts in my name! She reacived XXXX child soaport and never paid for anything! She died 7 yrs ago and every one who did things with her is dead! I havent seen my step-daughter in 14 yrs, i gave her money to buy a car when her father died, Guess what? she blue the money with her mother, they all got tattoes! This identy-theft has been a Nightmare! Please help me, I ve been trying tofix my credit. My Computor has been scrub twice. I just bought it in XX/XX/XXXX! Thank You! 
my daughter 's lab top has no spell ck, sorry! lol!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  XXXX https : XXXX XXXX purchased a debt of mine from XXXX. The debt dates to 2011 and was already removed from my credit report because it expired. 

XXXX XXXX put the zombie debt back onto my credit reports. Both trans union and XXXX  have refused to respond to my disputes and remove the expired debt from my credit report.
Product: Mortgage

My homeowners insurance was due XX/XX/XXXX. My property taxes and insurance are part of my escrow. It as not paid so I had to pay it myself XX/XX/XXXX. I have called and emailed through the UWM portal multiple times beginning in XX/XX/XXXX. I also provided my insurance XXXX page to show the amount due. To date I have had no response. They left me at risk due the my homeowners insurance was going to cancel my policy. I was not covered for XXXX  days in XXXX of XXXX
Product: Credit reporting

I sent a certified letter to equifax over 45 days ago requesting verification of late payments and collection accounts. I informed them to send me documents that they have in their file as of date to verify the accuracy. Under the fair reporting act ,XXXX, I have the right to demand all documents retained in their file. NO copies were ever sent. This is a violation of Section XXXX XXXX a ) ( 5 ) ( A ) ( i ). They did not mail evidence of the accuracy of my accounts on file within the 30 days. Unde the FCRA XXXX all unverified accounts must be deleted promptly. No copies of the verified information on file was sent to me in the 45 day period. Thats a violation of my rights. Just mailing a letter stating verified is not enough. I needed documents mailed to me from the files of all the late accounts or collection accounts. None were ever sent. Now I am demanding all account that are negative or in collections removed due to no verification documentation was mailed to me.
Product: Vehicle loan or lease

Navy Federal restricted my bank account in XX/XX/XXXX. My auto loan was set up for automatic bill payments and its absolutely no reason my auto loan should be in a delinquent status. This restriction prevented me from registering the vehicle and listing Navy Federal as lien holder. We purchased the vehicle from my step son who is also a member at Navy Federal credit union. We have the title just dont have the funds to hey it titled, registered and add lien holder. Due to the restriction of no fault of our own it caused the auto loans interest to increase over 100 % causing more financial distress because our bank account is restricted. We have no access to online services or access to make any changes to the bank account. The monthly payment has increased and my credit has been ruin. If XXXX is the reason for the restriction and the money has always been there why do I suffer financially for their negligence in their fiduciary duties? My credit score was over 700 and its now in the low 400s all in 7 months. What took years to build positive creative has been damage to the point of no repair. This isnt legal nor ethical and I expect CFPB to actually dive in and protect me from the predatory lender. The bank account was restricted for no legal reason and all funds were verified on XXXX different occasions. XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX via their wire departments service messages. XXXX XXXX verified funds and the beneficiary and the reason for the wire and they still refuse to remove restriction. This negligence caused them to pay their own selves late since the money has always been present and we have absolutely no access to the account to make any changes or updates. They have tried to stall and make excuses for their behavior but fortunately for me I have all XXXX pages of the service messages between Navy Federal and XXXX bank. Please get them to bring my loan to a current status and update my credit report information both with all credit bureaus and internally within XXXX XXXX. XXXX XXXX has failed me.
Product: Credit card or prepaid card

Hi, my earlier complaint number was  XXXX  regarding the platinum card now ending in  XXXX . The amounts shown there were not disputed the ones I 'm disputing are  XXXX   XXXX . Something which I never used and on the propel world  XXXX   XXXX  or ending in I do n't know what I 'm disputing  XXXX . Nothing else just these two amounts now, I 've started making payments to the card but for these  two  I have received no service therefore I request Wells Fargo to remove these charges from my cards.
Product: Credit card

Recently, I received letters from Citi Bank 's Credit card department saying that my all 4 credit card accounts were closed by Citi bank on XX/XX/2017. They did not provide a valid reason. The letters only stated " Pursuant to Our Card Agreement, we have the right to close your account at our discretion anytime without prior notice. We have chosen to exercise this right. '' I felt like I am being discriminated. I have been with Citi Credit Card for more than 15 years. I made payment on time. I never spent over my credit line. My credit score is above XXXX. 

I called their customer services many times and no one can address my problems. I was asked to only send questions to their Executive Response Unit by mail.
Product: Checking or savings account

on XX/XX/year> truist closed my account and have only returned XXXX dollars and when closed my account had XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXXXXXX XXXX - Incorrect Employers PROFESSIONAL TRANSPO - Incorrect Employers XXXX XXXX XXXX - Incorrect Address XXXX XXXX - Incorrect Address XXXX XXXX  - Incorrect Address XXXX  - Incorrect Date of Birth XXXX, XXXX, XXXX XXXX Incorrect Name
Product: Credit reporting or other personal consumer reports

I am writing on behalf of XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX Texas XXXX, to address a serious matter regarding the unauthorized and uncompensated use of his source data by Experian Continues to report two separate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account without proper authorization and validations and against federal laws not performing proper investigation into securities fraud, improper use of private information without authorization and identity theft