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

Ive sent to TransUnion via USPS a dispute about an account is reported on my credit report as a result of double reporting on my credit report, due to an unknown reason since about two months ago I realized they had two credit reports on my name, situation that was solved, but there was still this account ( XXXX  XXXX  loan ) reported on my account. On the XX/XX/XXXX. XXXX they have received an USPS certified e mail asking for the verification of this account, they havent replied or verified this account till I had to called them since this inaccurate account is preventing me to obtained further credit and making me pay higher interest rates. 
They sent a verified account until XX/XX/2022 without mentioning the way theyve used to verified it.
Product: Debt collection

I am submitting a complaint regarding a collection account appearing on my credit report from Rent Recovery Solutions, LLC with original creditor XXXX XXXX in the amount of {$9200.00} that does not belong to me. I have reached out to the collection agency that is reporting the account to the credit bureau requesting that they validate the debt. 
I have also disputed this directly through XXXX  credit bureau with no results. 
After requesting validation of the debt Rent Recovery Solutions, LLC sent out a copy of a rental lease on XX/XX/XXXX. However, the documentations do not include my full name, it has an unknown address and a ( non-wet ) electronic signature. 
I explained to the collector that they have the wrong person because I did not rent a property in XXXX, I have been a homeowner since XXXX. I also stated that I am not familiar with the property address that they provided. I requested for Rent Recovery Solutions, LLC compare my social security number with the social security number they have on file for the debt and they refused. I offered to send a copy of my social security card to validate my identity. I was told the only way to dispute the account is by filing a police report claiming identity theft. 
I believe by reporting this to the police as identity theft I would be committing perjury. I have no reason to believe that my identity was stolen. 
Rent Recovery Solutions, LLC failed to validate that this debt in fact belongs to me.
Product: Mortgage

You claim nothing can be done and you will no longer respond, I have now taken this complaint higher than the executive office. It seems the executive office can not keep their story straight so must go above them. Thank you,
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify that all data for this account is reporting accurately, including every notation, date, and balance, whether reported or not. 

Account name : XXXX XXXX XXXX  Account XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. 

If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed, Never XXXX ) according to consumer protection laws. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the results of your investigation within the statutory period required by law.
Product: Prepaid card

I was approved for XXXX benefits in XXXX. However, by XXXX I still had not received a debit card with my benefits. Upon calling the card issuer, Money Network Financial , LLC ( d/b/a My Bank Direct, XXXX XXXX XXXX XXXXXXXX XXXX ), they told me the card had been activated on XX/XX/year> and that the entire balance save XXXX cents had been withdrawn or spent at ATMs and grocery stores in XXXX XXXX, CA XXXX XX/XX/XXXX and XXXX. I live in XXXX, and had never received the card, much less activated it, so I was completely baffled as to how this happened. I have informed delivery with the XXXX postal service, which shows me all pieces of mail that are delivered to my home. The envelope with the card was never even mailed. From there, I filed a police report, contacted Money Network, and told them everything that had happened. They put in a claim for me so that the fraud was now officially listed and in an effort to get those funds back to me. They said a new card would be sent. I never actually received that XXXX card! Then, on XX/XX/XXXX, when I went on the XXXX website to certify for benefits ( you do this every XXXX weeks ), I was told XXXX already been done on the XXXX over the phone. This money was released to Money Network and I never received these funds either. Money Network was unable to tell me where these funds when. Also on XX/XX/XXXX, I received a notice that I would not be reimbursed for the money that had been stolen, as they had electronically verified the account. Meaning, they used a PIN when making the purchase but thats because the fraudsters opened set their own pin when they activated the card! So at this point, both my XXXX account and Money Network card have been fraudulent stolen/used. Ive spoken with XXXX and they said this is on Money Network and they can not assist, though everyone is in agreement that the XXXX are related and likely the result of a professional fraud ring. 
At this point, XXXX down thousands of dollars, Money Network wont return any of my calls or emails, and XXXX behind on my bills. 
This is UNACCEPTABLE as this was stolen from me and XXXX now forced to spend money on late fees, etc because they wont do the right thing.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The following are fraudulent accounts on my credit report that need to be removed immediately. 
XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX {$7500.00} Opened XX/XX/XXXX, Transfered/Closed. 
XXXX. XXXX XXXX. {$29000.00}. Opened XX/XX/XXXX. Charged Off.

3. XXXX. {$2200.00}. Opened XXXX XXXX XXXX 
XXXX. XXXX XXXX. {$450.00}. XXXX XX/XX/XXXX. Charged off. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. {$2500.00}. Opened XX/XX/XXXX. Charged off. 
XXXX. XXXX XXXXXXXX XXXX. {$15000.00}. Opened XX/XX/XXXX. Charged Off. 
XXXX. XXXX XXXX. {$8500.00}. Opened XX/XX/XXXX. Charged Off. 
XXXX. XXXX XXXX. Paid. Opened XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX. {$270.00}. Opened XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$12000.00} U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX ( Original XXXX : XXXX XXXX  ) XXXX Balance : {$730.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX US DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$1900.00} XXXX XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX ( Original Creditor : QUICK CREDIT ) XXXX Balance : {$730.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} U S DEPT OF EDXXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX  Balance : {$12000.00} U S DEPT OF ED/XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$14000.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$730.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I been a victim of IDENTITY THIFT PROBABLY FOR OVER SERVERAL YEARS. ACCOUNTS, COLLECTIONS, AND INQUIRIES.i HAVE SENT MULTIPLR TINES THRU THR FTC REPORTS AND OTHER THINGS TO BLOCK AND REMOVE THE FRAUDULENT ITEMS, ACCOUNTS, ETC AND INSTEAT OF BLOCKING IN THR 4 DAYS. I ASK THEM IF FOR ANY REASON THAT THEY FEEL THAT I AM LYING OR ANY OTHER REASON. TO PLEASON SEND ME DOCUMENTS OF PROOF. THEY DIDNT DO IT.. THE ONE ACCOUNT THAT THEY DID TAKE OFF. THEY PUT BACK ON, SAYING THAT THEY CALL ME MULTIPLE TIMES, WHICH IS A LIE.UNDER THE FCRA THEY WOULD NOT PROVID ANY PROOF OF WHAT INFORMATION THEY HAVE. IT WAS LIKE A GAME TO THEM BUT ITS DESTROYING MY CREDIT.
Product: Debt collection

I have sent two notices to this company. Per 15 USC 6802, I as the federally protected consumer have opted out of all communication with this company. I never contracted with this company. They have obtained personal information and invaded my rights per the Privacy Act of 1974.
Product: Student loan

Hi my name is XXXX XXXX I was attending XXXX XXXX XXXX I found out about this school because coming out of the county building once day they lied to me told me to sign this and to say this I never known how hard it will make things later on for me I told them I did not want a loan because I would be able to take on the responsibility I was homeless at the time I had no one to guide me to be honest I didn't even know what I was doing I don't even remember signing paper work I've have been trying to dispute this for year I'm now in debt XXXX dollar for money I never send not even complete the program when I call the school they always say they will call me back but never do I just don't know what to do anymore all they tell me is that I can come back and go to school their but they lied to me they told me I didn't have to pay anything back as long as I made good grades which I made straight As and I didn't sign anything I know of and the information that is listed on my paperwork is false
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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX and list of Inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by XXXX XXXX a Finance Director at XXXX Ford In XXXX Ga making threats to me and stating facts about loans and accounts on my personal credit file. I then pulled my credit file and saw that XXXX XXXX has pulled my personal credit file on a soft inquiry several times without my Permission. Then i received a call from my Insurance agent XXXX XXXX and he stated that XXXX XXXX called him asking him personal question and clearly knew about several accounts on my clients credit file. XXXX XXXX contacted me XXXX XXXX XXXX and the NC Insurance Commission and file a report concerned that XXXX XXXX with XXXX XXXX is using XXXX XXXX XXXX information to hurt him. I have file a police report and contacted XXXX Consumer affair fraud department to get a IP Address trace and the IP Address come back to XXXX XXXX and he's personal login. I scared this man is trying to use my Identity to hurt or to do financial ruins. I used to work for the office of the XXXX XXXX with XXXX and my Federal Trade Commission ID is XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to buy a jet ski for my daughter for the summer, but in order to get it financed my credit had to get pulled. I found a fraudulent bankruptcy and couple of inquiries that are not mine. Please remove these things from my report.
Product: Credit card

On XX/XX/XXXX, I submitted a change of address request to XXXXSears Master Card. I XXXX in XX/XX/XXXX, my minimum payments were {$10.00} so therefore made them {$25.00} a month while awaiting my statements to be forwarded to my new mailing address. Months went by and I had not received my statements, I tried logging into my account but the website certificates were not authorized on XXXX and the page would not load. I continued to make $ XXXX monthly payments but one arrived a day or two late which created a late fee which caused the months of XXXX through XXXX to be less than the minimum amount. However, I had no way of knowing because Citicorp had not honored my change of address request and I was not receiving statements and I could not log into their website due to certificate issues on the XXXX. I never knew that a payment was receive late because I had not received statements which are required by law to be provided to the consumer. Upon my return to the States in XXXX, I paid off remaining balance and it was not until a XXXX Credit report that I realized that CitCorp reported me four months behind on payments even though they had been receiving regularly monthly payments for more than the minimum due. 

I contacted them in XXXX, XXXX and again in XXXX via letters and a BBB complaint. I spoke to a representative that confirmed that they had received my change of address and was unsure why I had not received those statements. It was escalated to the Credit disputes department with no word until a letter was received from XXXX XXXX form their Executive Resolution Team. I appreciate the letter and response but the letter contained many inaccuracies that I have addressed. To date, Citicorp has continued to report my payments late even though they received monthly payments and they never provided me with monthly statements to my change of address as requested and received by Citicorp per their representative. I was charged extraordinary late fees for months that I was never late but failed to meet minimum payments because of a late fee which was caused by not receiving statements. Therefore & lt ; for a original balance of {$95.00} owed on XXXX Statement, I paid {$350.00} in which {$230.00} in late fees for something I was unaware of because they never sent me a statement. They claim I was on electronic statements from XX/XX/XXXX which is false because I was receiving them prior to my departure in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX  which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX BALANCED {$10000.00} XXXX XXXX XXXX BALANCED {$21000.00} XXXX XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXXXXXX XXXX XXXX XX/XX/year> XXXX - XX/XX/year>
Product: Debt collection

The collection agency ( AARGON ) is trying to collect an old debt from XX/XX/XXXX they haven't mailed me any information bout this debt which the STATUE OF LIMITATIONS on the account has expire in the state of Delaware, they also have on my credit report that the account was active until XX/XX/XXXX and Closed in XX/XX/XXXX I haven't live in PA in years because of a Domestic situation and had to relocate the original agency knows this is an old debt and didn't send me any documents regarding an options of this matter and I want it taking off
Product: Payday loan, title loan, or personal loan

I am trying to do a debt consolidation I found this company on the internet it is capital one so I was thinking ok its safe I have a capital one credit card and I got approved for the amount then all the sudden they want me to buy XXXX cards XXXX cards to be able to get the loan so I did that and everything they said alright I am going to transfer the funds they always needed more money always and I have proof of all this I have text messages also and they said they paid off my XXXX credit cards and the payment did nothing go through they did this twice and returned I just want my money back that I gave them to give me a loan that I didnt get thats all I ask dont return my calls or anything the person I Have been dealing with XXXX is XXXX XXXX and I have a number also here is the phone number I contact him by XXXX I am done an want justice for this I was just trying to help my credit score and they made it worse.
Product: Credit reporting or other personal consumer reports

Dear, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Collection Accounts Due to Identity Theft To Whom It May Concern, I am writing to dispute collection accounts on my credit report that were obtained through identity theft. I recently discovered fraudulent activity on my credit report, and I believe that the following accounts have been placed in collections without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft and have taken the necessary steps to report this crime to the authorities and have filed a police report [ if applicable ]. I have also contacted the affected creditors to inform them of the fraudulent accounts and have provided them with the necessary documentation. I have attached copies of the police report and correspondence with the creditors for your reference. 

I am requesting your assistance in investigating and removing these fraudulent collection accounts from my credit report as soon as possible. I understand that under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit report. Given the circumstances, I kindly request that you initiate an investigation into the validity of these collection accounts and remove them from my credit report. 

Enclosed, please find the following documents to support my claim : 1. Copy of my government-issued identification.

2. Copy of the police report.

3. FTC Identity Theft Report I request that you cease all collection efforts related to these fraudulent accounts during the investigation process, as it is my right under the FDCPA.

Please provide me with written confirmation once the investigation is complete and the fraudulent collection accounts have been removed from my credit report. I understand that you have 30 days to complete this investigation, as per the FCRA guidelines.

Thank you for your prompt attention to this matter. I look forward to a swift resolution of this issue and appreciate your cooperation in rectifying the negative impact of these fraudulent collection accounts on my credit history. 

Sincerely, XXXX XXXX XXXX Enclosures : ID, BANK STATEMENT, COPY OF POLICE REPORT, COPY OF FTC REPORT, & COPY OF XXXX CARD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with air Credit Reporting Act, 15 USC sections XXXX within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT :
Product: Money transfer, virtual currency, or money service

PNC Bank does not allow transfers between them and online financial institutions. These include XXXX, XXXX, and other banks.
Product: Debt collection

On XX/XX/2020 at XXXX, I received a call on my private unlisted number from Portfolio Recovery. I asked them multiple times to stop calling my phone numbers. The have been harassing me with continued phone calls for the past year now. I have asked him many times when they .called to please stop calling my phones and take me out for their call list. I've told them multiple times that I was going to report them if they don't stop calling me and today I filed the complaint.