23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have family members with the same name. I have also been a victim of fraud and breaches. This is all public knowledge. This causes a issue with creditors mixing up information. I have an alert on my credit to warn creditors to verify information and how to reach me directly. This account does not belong to me I have been disputing it for years with all 3 reporting agencies. I have never received a letter, any notice, communication, I reached out to the original creditor and this account information has identity variations from mine which led to us to attempting to locate it on the phone for over 2hrs and me speaking to multiple supervisors. If I received no written notice prior or no response to my request following this incident, how can I protect myself as a consumer or correct a issue. How can you ethically- expect to to hold me responsible for this account? This company and the debt collector failed to provide me with ANY documentation, this includes prior to selling my personal information to this new debt collection legal agency. I never received a letter with my consumer rights, or a notice of debt collection. The debt collector has also not reached out to provide me with my rights I continued to dispute requesting any documentation in writing via mail never received any communication directly from creditor or debt collector. This is Deceptive And Unfair as it portrays to be a account that belongs to me but has no proof and my credit has suffered the consequences. While attempting to utilize my credit this negative impact is Publicized and embarrassing to my financial reputation and the current creditor has not reached out to me with the original contract yet. Please remove this account from XXXX XXXX and XXXX. This is listed as a Collection as of XX/XX/2018 it has hindered me for four YEAAARRRRS, even in a pandemic and national economic hardship. I think I have suffered and been lied to enough as a minority just learning about financial literacy i feel cheated out of the opportunities i could have had financially if i would have known my rights sooner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX to remove inquiries that I did not authorize. I spoke with a US rep that was handling my request. In the midst of our phone call, as he was confirming the ones that needed to be removed, the call was disconnected. I called back and waited 15 minutes to get another US rep on the phone. I explained to him the conversation I had with the other rep and how he was deleting unauthorized inquires and that our phone call was dropped, I asked if he could continue and he said he could not. Needless to say, he did not help me with removing the unauthorized inquiries. I have had this issue with Equifax and XXXX as well. I can not get anyone on the phone who is willing to assist with deleting these items. There is a total of 10 inquiries that need to be deleted, they are : XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX/XXXX dated XXXX/XXXX/XXXX
Product: Debt collection

Under UCC 3-415 ( b ) the indorsement by Bank of America on the note states that it was made " without recourse '' and it disclaims liability of the indorser, the indorser is not liable under subsection ( a ) to pay the instrument and can not claim any injury in bankruptcy against the debtor or claim injury to initiate foreclosure!!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally address a persistent issue regarding inaccurate information on my credit report. Despite my previous notifications, it has come to my attention that the incorrect information is being continuously deleted and re-applied, which is causing significant distress and potential harm to my financial standing. I have brought to your attention the discrepancy in my credit report. Despite this, the incorrect information has not been permanently rectified. This repeated pattern of deletion and reappearance not only reflects poorly on the accuracy of your reporting but also undermines the integrity of my credit history. I request that immediate action be taken to thoroughly investigate and permanently remove the inaccurate information from my credit report. Furthermore, I expect a formal acknowledgment of this notice and a detailed plan outlining steps to prevent similar occurrences in the future. Please be advised that failure to address this matter promptly and effectively may result in further escalation, including legal action to protect my rights as a consumer. I anticipate your prompt attention to this matter and look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my report and I do not recognize these inquiries as mine nor the information being reported as mine. I am aware that they have violated several of my rights! My name is XXXX XXXX and I am submitting this complaint without any influence from a third party or agency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please see attached documents as well my identification as it contains my full complaint and my request.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account reporting on my credit report where the original date of delinquency with the original creditor is more than seven years and therefore this collection is to be removed from my credit reports, XXXX and XXXX. It is not showing on XXXX. I have provided the documentation of payment history with original creditor to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an alleged late payment that they have not verified by tangible/visible proof! 


in accordance with the fair credit reporting act XXXX XXXX  acc # XXXX violated my rights 15 u.s.c. 1681 section 602 a states i have the rights to privacy. : it also states a consumer reporting agency can not furnish an account without my written consent or instruction!

last but nor least according to 15 usc 6802, NO FINANCIAL INSTITUTION IS ALLOWED TO SHARE MY PURDNENT INFORMATION WITH A THIRD PARTY!
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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Debt collection

Spoke with them via phone and requested debt validation letter be sent to the address they said was on file with all required lines of information on the said letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an unauthorized hard inquiry on my credit report, as provided by credit karma, from XXXX XXXX, today, XX/XX/2019. 
Neither I nor any member of my family has contacted XXXX XXXX for any reason.
Product: Debt collection

I trust this letter finds you in good health. I am reaching out to you to address a persisting concern related to a fraudulent account on my credit report, specifically the XXXX XXXX XXXX XXXX  account. In light of the Fair Credit Reporting Act ( FCRA ), I anticipate and trust that TransUnion will conduct a thorough, impartial, and swift investigation into this matter. As per the FCRA guidelines, I expect the removal of these fraudulent accounts from my credit report within the statutory timeframe.
Product: Credit reporting or other personal consumer reports

I had requested numerous changes but they never happened then I received a message from Equifax stating that my Equifax information was compromised in a data leak.
Product: Mortgage

In XXXX of 2015 my father was ill and we were going to be late on our mortgage payment so we notified U.S. Bank that we had issues. They proceeded to tell us that they wanted to help and we were eligible to refinance our loan to get lower payment. We were excited to have the help. We were told NOT to pay any more payments as we were getting a loan mod that would help us. Several weeks later we received paperwork that we signed and had notarized and sent back. The 'New ' payment went UP and then we were told that we were delinquent on our mortgage, which really messed up my credit. Then we struggled for several years and caught up all payments, not all before the XXXX so I accrued late charges, which is fine, I deserved those. But as I am selling my house I am hit with a {$34000.00} charge that somewhere along my loan U.S.Bank filed for a claim with a company of XXXX for the sum of XXXX and now they are charging me for this loss that I had no idea about. I feel as I am the victim of Predatory lending and fraud. Please help me if possible.
Product: Money transfer, virtual currency, or money service

Using the   XXXX   XXXX   app, it pu ts two or three s mall deposits into my account, which my bank is supposed to put back. But my bank has not returned the amounts yet.
Product: Credit card or prepaid card

Had an American Express prepaid card with an original balance of {$20.00}. On its face the card said it was valid till XX/XX/XXXX. Used the card once or twice until the balance declined to {$13.00}. 

Today went to use card and found it has a XXXX  balance as American Express has been charging a {$2.00} a month fee till it ate up the entire {$13.00}. 

THIS OUGHT TO BE DISCLOSED ON THE FRONT OF THE CARD IN BIG LETTERS NOT HIDDEN ON THE BACK OF THE CARD THEFT!
Product: Debt collection

Hi, I took a payday installment loan for the sake of building my credits and we entered into a contract with payment terms that they deduct installments from my checking account. I gave them all the information they wanted that included my account and routing number as per contract. Initially, they didn't deduct money as per scheduled payment and I called them 3 times asking them to take their money and they didn't. I paid through a debit card thereafter. I did pay again 3 times more and asked them to perform their responsibility to deduct their money as this is important for my credit building. I then told them I am not doing it through debit card anymore. Have to do their obligation as per contract, it doesn't say I have to use my debit card as a routing number was a condition for approval. 

This week I wondered that they contacted my employer and decided to garnish my wage. This is unfair to me as I wasn't informed and it is not my fault, I never refused to pay or change my account. They didn't do their responsibility to deduct money while I gave my account information ( confirmed today they still have ). 

This is unfair garnishment and punishment to me because of their fault ( or their systems ). My intention is to build my credits instead they are now destroying me more while I am innocent. Again they never gave me a chance to defend or give my position on this. I am still willing to service my loan and never refused to fulfill my obligations but I getting unfair punishment for this company failure to comply with the agreements. 

I urge your help to assist me to remove this unfair garnishment on me and let the company comply with their promises. I also ask you to judge this and make Opploans repair my damaged credits that were caused by this unfair transaction. I am not delinquent to this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I paid for and received a copy of my Equifax Credit Report and FICO number. I spoke to their fraud and investigation supervisor who advised if I filed a police report for frauduluent identification which I did and fax it to them they would issue a revised accuarte report and correct FICO score within 8 hours. Equifax still is inaccurately reporting my acccounts with XXXX XXXX XXXX XXXX as being open when they are all closed and timely paid. off in full timely. My account with XXXX XXXX XXXX  and XXXX all have a XXXX  balance as all balances are from unauthorized fraudulent charges and XXXX XXXX  is reporting an inaccurate balance. 
Their confiirmation number since XX/XX/2018 iw XXXX,
Product: Debt collection

I received a letter dated XX/XX/year> from McCarthy Burgess and Wolff debt collection company regarding an alleged XXXX debt. I requested they validate the debt, and they did not. I also requested a cease and desist. They never validated the debt and again contacted me in a letter dated XX/XX/year> trying to settle the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently found out about inquiries that i was not aware of. After reporting mine being a victim of identity theft twice to consumer agencies XXXX has not removed items on my report. Only XXXX. XXXX XXXX XX/XX/XXXX ;XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX- XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XX/XX/XXXX. XXXX XXXXXXXXXX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XXXX XXXXXX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXXXXXX. XXXX XXXXXX/XX/XXXX. XXXX O XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXXXX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX-XX/XX/XXXX ; XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX- XXXXXX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXXXXXX XXXX-XX/XX/XXXX. XXXX XXXX XXXX-XX/XX/XXXX ; XX/XX/XXXX. XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Statement of Fact : XXXX found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 

Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX XXXX Account # XXXX, LVNV FUNDING LLC Account # XXXX XXXX  Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by XXXX  Account # XXXX, LVNV FUNDING LLC Account # XXXX, XXXX  Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}, {$230.00}, {$230.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$4000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$230.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$230.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I have attempted 5 times to request a copy of Dispute Investigation Results from TransUnion. 

- Over chat in XX/XX/XXXX to get a copy of this letter- was told they only send over mail. Nothing ever showed up. 
- Again in XX/XX/XXXX, over phone call - I was told the copy of the letter would be mailed. A week later, a copy of my credit report showed up, NOT the results letter I requested. I needed this for a mortgage application. 
- Again in XX/XX/XXXX, over chat - I was about to move and I requested that it be sent to a new address. My credit profile was updated with this new address, but nothing ever was mailed to me. 
- Again in XX/XX/XXXX, chat- I had already moved but I ended up needing to stay at a different address than anticipated due to an airbnb host cancelling and requested a copy of the letter to my husband 's workplace. A week and a half later, another copy of my credit report showed up, but NOT the letter I requested. 
- XX/XX/XXXX, I made a phone call - the TransUnion rep stated that the company already sent me a letter in XX/XX/XXXX with the results. I attempted to clarify that I needed a copy of the same letter that was already sent, and the rep got extremely agitated and rude towards me and said that they don't do that. I requested to escalate the request. 3 days later, I got a phone call from another rep who attempted to fulfill my request but then placed me on hold for 20+ minutes after I failed to verify with unclear verification questions. I hung up. 

Overall, their failure to provide me a copy of this letter caused 3+ weeks of delay in mortgage underwriting, and remains an issue, as I have no way to prove that TransUnion previously deleted an account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX my identity was stolen and a fraudulent account was opened in my name by XXXX XXXX XXXX. The item is negatively effecting my Experian, XXXX, and XXXX  account. I need the item removed from my credit immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware that consumer reporting agencies have received my nonpublic personal information from XXXX fraudulently and do not have lawful authority to furnish this information for any non-affiliated third parties to see. The consumer reporting agencies to whom XXXX has provided my non public personal information are not required by law to furnish my non public personal information ; however they are doing so and receiving unjust enrichment. I have reason to believe the consumer reporting agencies XXXX have disclosed my non public personal information to are aiding and abetting criminal enterprises in the collection of extensions of credit through extortionate means and coercion. I am aware that receiving proceeds of extortion is illegal. 

As a consumer I have a right to privacy. Punishing me for the nonrepayment of an extension of credit by disclosing negative information, not required by law, to a nonaffiliated third party without my lawful authority gives me reason to believe that this is a pattern of racketeering activity. XXXX furnished my nonpublic personal information to Consumer reporting agencies through aggravated identity theft, pursuant 18 USC 1028a ; due to the fact I never gave lawful authority or consent for them to be in possession of my nonpublic personal information. I have reason to believe XXXX is criminal enterprise involved in conspiracies to cause restraint of commerce.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my credit report since XXXX from all 3 bureaus. My information was exposed in a XXXX data breach and hospital databreach. I have given Transunion everything to verify my identity and address several times. XXXX they had my social number off by one digit, XXXX i was reported as a dead person, XXXX i was asked for more identity verification and same for XXXX. Ive given them copies of everything including my social. 
In the mean time 4 years later i have recently filed identity theft, including medical identity theft and several account intrusions and takeovers. Ive spent over 1000 $ on XXXXXXXX for my children and i, the insurance for that was stolen too. Insurance checks from XXXX and XXXX. Im still waiting for my other medical records, the ones i recieved so far have inaccurate information which i have suffered over and am trying to still correct. i was able to view a small portion of my report recently. Ive seen majority of my activity through XXXX XXXX  that too i was locked out of. There are two phone numbers on there that are clear signs of identity theft because they arent mine. I need a detailed report. It would never allow me to freeze my credit. It only hung up on me everytime ive requested. This whole time someone else has been using my identity and finished paying a XXXX XXXX account two weeks ago.
Product: Student loan

I contacted asa by certified mail to send me a copy of the original copy of the loan with my signature on the documents and to this date haven't received any information about the loan.