23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

For Several months I have repeatedly reached out to National Credit Systems , Inc. in regards to them reporting false, inaccurate, and misleading information on my credit report. With proof of identity theft I have responded with completion of there fraud package, my police report, sign affidavit of my identity and copies of my identification and social security number. This company has repeatedly failed to adhere to the law and has in fact violated the Federal Fair Credit Reporting Act.

First attempt was made XX/XX/XXXX and I informed the associate that I was a victim of identity theft. He notified me that he would send out a fraud package. I later returned that package within a few days. I followed up with a call and the company verified that they received it. For several months I continued to send correspondence via. mail. 

Attempt 2 : XXXX XXXX XX/XX/XXXX : A phone call was placed to National Credit Systems at ( XXXX ) XXXX XXXX. After first being forwarded to a collection agent I was HUNG UP ON! At XXXX XXXX a second phone call was placed and a lady by the name of XXXX forwarded me to a XXXX XXXX who stated that he was a supervisor of the department and that he in fact had no manger above him that i can speak with in regards to the case. A return phone number was provided and Mr. XXXX stated that it would be forwarded. At this time of XX/XX/XXXX no return phone call has still never been made and they continue to break the law. 

All calls have been recorded. 

Last Attempt was made today XX/XX/XXXX at XXXX XXXX Eastern time to their office and after being hung up on twice after simply saying that I was a customer calling about a debt I then, called for a third time an spoke with XXXX again, who this time forwarded me to XXXX XXXX who then verified again that they did indeed receive all of my correspondents and that I can not talk to anyone in the department to properly get the matter resolved and it could take months longer! It has been over a year that this company continues to report false information on my credit report and has cost me employment wages and opportunities along with emotional stress. 

The amount of the inaccurate debt is {$5300.00} and I do not owe this debt or have ever done business with the company that they are referring to.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following account as it was opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit. Please dspute the following account. It was opened wihtout my knowlege, authority or consent. 


XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Can not get ahold of anyone to close a fraudulent account. Have mailed letters, called and been on hold for over three hours - called local branches - was always transferred to fraud line that repeatedly tells me my call is important and will be answered by the next available associate - which was never accurate. I want these fraudulent accounts closed!
Product: Credit reporting or other personal consumer reports

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 - Incorrect I want this information to be reviewed because it does not belong to me and it is doing a lot of damage to my credit history.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information on my credit report in accordance with my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ). It has come to my attention that my credit report contains inaccurate and fraudulent information that I demand be immediately removed. 
Account Name/Issuer : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name/Issuer : XXXX XXXX XXXX Account Number XXXX XXXX Account Name/Issuer : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name/Issuer : XXXX XXXX XXXX XXXX  / Account Number : XXXX Account Name/Issuer : XXXX XXXX Account Number : XXXX  I assert that these accounts are fraudulent and was either opened without my consent or has been reported in error. As per Section 605B of the FCRA, I am entitled to have this erroneous information removed from my credit report immediately upon my assertion that it is fraudulent.I expect this matter to be resolved without further delay. If you fail to investigate this dispute or do not remove the fraudulent information from my credit report within 30 days, I will have no choice but to pursue further legal action. I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and may seek legal counsel to ensure that my rights are fully protected.Please confirm receipt of this dispute and provide written confirmation of the outcome of your investigation as required under the FCRA. I expect a swift and full resolution of this matter.
Product: Credit reporting

I have disputed XXXX different accounts that are on my Credit Report which are included on my bankruptcy yet it returns with the " creditor states it is showing correctly ''. The creditors have been informed numerous times in writing by my attorney that the accounts are a part of my bankruptcy and need to be removed yet they are still showing on Equifax. Upon dispute, these same accounts were removed immediately from XXXX but Equifax still reports them.
Product: Money transfer, virtual currency, or money service

PNC bank is unable to send money to XXXX  online trading. 
I have been tring from XXXX XXXX I have been trying to send a total of {$1500.00} I have tried lower denominations but the back account will not link.
Product: Credit reporting or other personal consumer reports

I noticed the problem in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Received a letter dated XX/XX/2021 from Collection Agency XXXX Diaz & Associates XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX Legal Administrator I had no knowledge of this debt nor was any information provide to me to indicated that I owed a debt of {$2800.00} with a opportunity to pay this off with a stated amount of {$1000.00}. 

When I reached out to find this status I was advised that his a 20 year old debt, and there is no information to provide. However they where going to report it to the credit agency. 

I will tolerate being take advantage of by this collection agency, to extort money from me. Even if it is mine the statue to collect has well run out. 

I pride myself in trying to keep my credit safe and protected. 

Help
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report & noticed some hard inquires i don't recognize I have filed a complain once and noticed that these did not get deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit card or prepaid card

I received information that on XX/XX/XXXX approximately {$210.00}, my Synchrony XXXX XXXX credit card was charged. I disputed this charge in XXXX, XXXX. The credit card issued denied my fraud claim stating I received benefit from this transaction. I attempted to call the credit card company and was not given any information as to why this claim was denied, saying only that they investigated the claim. I am wondering what kind of investigation was conducted. I was told by the fraud XXXX initially that the card was not used for the purchase, but that the stores are able to look up accounts if a person does not have the physical card on them. I believe somebody with my personal information used this to their advantage and caused a charge to be made to their account.
Product: Debt collection

n XXXX of XXXX i filed a dispute on Mechanics bank for being inaccurate and this item from Mechanics Bank ( XXXX ) was removed from my credit report and now its back showing up, and I know for a fact that it's illegal to remove something from a credit report and put it back on. I feel like im being taken advantage of can you look into this for me please i demand that this account be removed from my credit report or i will file for litigation due to the stress they've caused me and the blatant disregard of consumer law XXXX report # XXXX Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

[ Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Dear Sir/Madam, I am writing to formally request your assistance in resolving an urgent matter regarding erroneous information on my credit report, which is severely affecting my financial standing and potential future employment. 

Despite multiple attempts to address this issue directly with the XXXX XXXX XXXX and XXXX XXXXXXXX XXXX through email and letter, the matter remains unresolved. Specifically, two delinquent accounts are listed on my Experian credit report under these institutions. I have no knowledge of ever applying for or holding credit cards with either of these banks.

I am a victim of identity theft, and my personal information was exposed during the XXXX breach. Since then, I have received numerous notifications about accounts being created without my consent. To mitigate further damage, I have frozen my credit report and informed Experian of my identity theft status. 

In a recent conversation with a representative from XXXX XXXX XXXX, it was confirmed that no account exists under my name within their records. Despite this confirmation, the erroneous account remains on my credit report. 

I respectfully request the immediate removal of the following accounts from my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The presence of these accounts, which were opened without my permission, is not only inaccurate but also unjustly damaging my credit score and hindering my employment opportunities.

Given the critical nature of this situation, I urge your office to intervene and ensure that these inaccuracies are promptly corrected. I request that the involved institutions be directed to contact Experian immediately to delete these erroneous accounts from my credit report. 

Please provide written confirmation once the necessary corrections have been made. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Previous problems depositing funds at only ATM next city over. XXXX min drive each way. USAA NEVER covers gas for not having their equipment working.

On XX/XX/19 went to XXXX XXXX Va ATM. Only one in area. Wasn't accepting ANY deposit. I had CASH. I'm trying to cover funds and there is NO WAY for us to put in funds in our account that is cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account below, 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. 

Collections : Account Number : Ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 Equifax 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 Equifax 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 Equifax 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 Equifax 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 Equifax 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 Equifax XXXX XXXX XXXX Reported incorrectly as 30 days past due on XXXX and XXXX. Please remove and replace with paid as agreed as this is incorrect, I was never 30 days late. I have payment records and receipts. 

Account Number : Ending in XXXX Original Lender : XXXX XXXX  Credit Card Original Balance XXXX Credit limit : XXXX Reporter : Equifax XXXX XXXX XXXX Reported incorrectly as 30 days past due on XXXX. Please remove and replace with paid as agreed as this is incorrect, I was never 30 days late. I have payment records and receipts. 

Account Number : XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Credit limit : XXXX Reporter : Equifax Not my debt please remove Inquires : Please removed listed inquires as these are not my accounts nor did, I authorize for them. 

-March XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX Bankruptcy Court : XXXX XXXX Date filed XX/XX/XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the XXXX and TransUnion credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX XXXXXXXX Balance : {$4600.00} ; XXXX XXXX XXXX Balance : {$970.00}
Product: Debt collection

AMERIFINANCIAL SOLUTIONS a collection agency has repeatedly attempted to collect a debt on separate occasions for what should be a SINGLE medical bill. Each attempt to collect was posted to my credit report as 4 collection accounts. The amount of each collection was {$330.00}. I have four in total listed on my account with separate post dates. There was only one hospital visit. These people have called and been persistent some even threatening. I attempted to dispute these claims with XXXX XXXX but they keep coming back as accurate. Which only ONE should. But with the collections all being reported to the same company is making my amount owed inaccurate therefor dropping my credit score drastically. Also very concerned about a release of my medical information which violates HIPPA act.
Product: Mortgage

My wife and I started the reverse mortgage process with Mutual of Omaha on or around XX/XX/XXXX. We were in a unique situation : We were living in our house on XXXX XXXX and had it listed for sale. We accepted an offer that included the provision for us to live in the house for XXXX  days to enable us to find another home. We found a home and closed on it within a couple of weeks. This home is XXXX. There were a number of things that we wanted to do to XXXX before we moved in ( redo the kitchen, replace flooring, painting, redo the bathrooms and so on ). We explained our living situation to our point of contact at Mutual of Omaha and we were told that it shouldnt be an issue.

Mutual of Omaha ordered an appraisal which was completed on XX/XX/XXXX. Note : we were still living in house1 when the appraiser came to house2 and took pictures of the inside of the house. We later found out that since we were not living in house2 at the time of the appraisal that it would be an issue with FHA/HUD. We did not move into house2 until XX/XX/XXXX. 
We did not hear anything from Mutual of Omaha until XX/XX/XXXX. Since then Ive been asked to provide additional information that Ive tried my best to compile and send. Some things that I was asked for just dont make sense ( for example : 2 years of insurance payment for a home that we lived in from XXXX to XXXX, but not from house1 ). Ive answered a single question multiple times ( regarding the carpet in the master bedroom as being a trip hazard even though it is stated in the appraisal that the carpet was being replaced on the same day as the appraisal ). The formatting/readability on some of the emails was jumbled and difficult to read. After pointing out the difficulties reading the email, no change in formatting was done. And so on. Its been very frustrating. 
For the past XXXX weeks Ive heard nothing from Mutual of Omaha on the status of our loan. Ive sent texts, emails and left voicemails, but Ive received no response. Not having another contact at Mutual of Omaha, I went on XXXX and sent a message to a VP of Sales. I got an immediate response with the promise that he would contact the correct people and that I could expect to hear from them the next day. Thus far Ive heard nothing and it's been days.

And, we got a letter in the mail from our insurance company that Mutual of Omaha is now a Mortgagee on our home.

If this is the way that Mutual of Omaha treats customers we want no part of it and would like to cancel the loan process. Im coming to you because at this point in time I dont believe that Ill get a response from our points of contact for the loan. 
Can you please assist us to get this loan process cancelled?
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello On XX/XX/XXXX I contracted a individual secured auto loan for {$5800.00} with the XXXX, and monthly payments of {$120.00} were due on the XXXX of each month. The first part of XXXX I had lost half of my income and attempted to keep things a loft however things did fall behind, at the first part of XXXX I did fall behind on the loan however sporadic payments where made. On XX/XX/XXXX I received a call from XXXX collections I spent over an hour on the phone when over this account and another one. I believed had made myself clear that I was wanting to pay this loan off in full during this call and the XXXX rep never informed that the loan was about to be charged off I also had two pending payments one for XX/XX/XXXX & XX/XX/XXXX. It appears that the XX/XX/XXXX did not go thru, and they called and spoke with me again a couple of days later and also never updated me on the status of the account. My issue is XXXX never informed me that the loan was in a charge off status for me to prevent it, XXXX had several opportunities they should have provided this information either during the out bound calls or on my monthly statement, they hid what my account status from me. XXXX stated they sent my account to XXXX XXXX never spoke with XXXX they never contacted me, as I had already been in contact with XXXX charge off area and made them aware that the loan was going to be paid in full and was paid to them on XX/XX/XXXX not to XXXX so another lie from XXXX. Under the fair credit act XXXX should be updating the account holder of the status of the account in this case it was about to be charged off, XXXX should have never charged off the loan with out notifying me so I could attempt to correct the issue. 

Here is a short history what XXXX has put me thru when i asked why they charged off the loan and pulled the phone records 1st. I was told I hung up the call and that is why the loan was charged off 2nd. XXXX XXXX said I had made a promise payment that was missed and the loan went into charge off, and it is XXXX policy don't to discuses when a loan will be charged off with the account holder 3rd A combo between a missed payment and I told them not to call them, but the call on the XX/XX/XXXX & on a couple of days later was out bound call from XXXX collections so another lie My most recent call with XXXX XXXX I believe went well, however the response I received in writing did not match what she said. XXXX keeps changing their story trying to see what will fit to make them sound good in this issue, however this is bank error and needs to be corrected. The staff at XXXX will just lie so I have no other option to seek help here, so everyone can see what XXXX lending practices or lack of them.