23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

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

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Around XX/XX/XXXX of XXXX, I received a letter regarding an attempt to collect a debt from a XXXX XXXX  credit card from a Loan Management company called Midland Credit Management Inc regarding said credit card amount, the problem is is that I have never had a XXXX XXXX  Credit Card, and according to the paperwork from the law firm involved. I attempted to get in contact with the law firm in question- within the time that hey had requested - I had a lawsuit filed against me. They did in fact send me information regarding the credit card- after notifying me of the law suit therefore after the first notification about the attempt to collect, and in that said packet they did provide a date in which the account was open which was XXXX of XXXX ; I was XXXX XXXX XXXX in XXXX, I do not believe that XXXX XXXX would knowingly allow a XXXX to have a credit card. I also did not possess a XXXX XXXX until around the year XXXX ( Thanks to student loans )
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XX/XX/year> and XX/XX/year>, XXXX XXXX  ran my credit report without permission or concent. Please provide proof of these actions.
Product: Debt collection

I was talked into financing a water filtration system under false information. The system was financed through Aqua Finance. Once I found out that they gave me false information, I ceased payments. Aqua Finance as well as the company that sold me the system are refusing to refund and return the system as it is past the 3 day return period. If a company is being fraudulent, I should not have to pay for the system. The water system was purchased through XXXX. They have complaints in other states too. Many other people have been scammed and are still being forced to pay for an unnecessary water filtration system. Aqua Finance has filed a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted.

My request to block is not being made in error nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction.

The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person 's credit report
Product: Credit reporting or other personal consumer reports

I have previously disputed Bankruptcy XXXX  XXXX reference # XXXX and Bankruptcy XXXX  XXXX reference # XXXX, with XXXX XXXX, EQUIFAX, XXXX Credit Bureau with you in response, you verified the item as accurate, and stated that you have verified the information with the court. I contacted the United States Bankruptcy Court Northern District of Illinois stated The Bankruptcy Court does not report any information to the credit bureaus letter enclosed. I contacted XXXX XXXX and their letter response is enclosed Results of Investigation we have reviewed the information from our identification Records and determined the data being reported unverifiable the data in question has been removed. The data in question has been removed and our files have been updated after research conducted with the following source : XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, Equifax security data leaked and hided the incident for two months. Equifax leaked my personal information I provided. I just confirmed this leakage on Equifax website. 
7 bank accounts were found and opened by identity thief ( or thieves ) in the past two months.

This incident they hided for two months makes my credit scores too low to finance a house for my family this year. I do n't know how long it will take to remove all fraud credit activities and restore my credit scores. Our family need a house urgently. 
And it 's keeping wasting my time to go to banks, call different banks, go to police office. 
This is a huge accident to our family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Payday loan, title loan, or personal loan

I received a email from Bank of America, asking Me to confirm My email address. I never applied with Bank of America. I received an alert though My credit report that Bank of America had pulled a copy of My credit report. This may be fraud/ identity theft.
Product: Debt collection

On XX/XX/2023, I received a notice from XXXX XXXX stating that they received a court order, which either enforces a legal judgment against you or secures a possible judgment in a lawsuit that's been filed against you. As a result, they immediately placed a hold on a joint account that was in my husband 's and my name. It also stated that we aren't able to withdraw any amount that reduces the balance below the amount of the hold until the hold is released. The amount that was taken from our account was {$4800.00} plus a {$100.00} Legal Processing Fee. XXXX XXXX also stated that they might charge us, and we are responsible for the bank 's fees if they are required to obtain outside counsel. 

I was not aware of any judgment until XX/XX/2023. I did not receive any certified mailing from any company. After contacting the bank, they gave me a number to contact XXXX XXXX. I called XXXX XXXX on XX/XX/XXXX, and he, in turn, gave me a number to contact Pressler, Felt & Warshaw. I called Pressler, Felt & Warshaw on XX/XX/2023, and was told that for the funds to be released, I had to pay them. I explained that the money that was taken came from a joint account and that we had a house fire, and that the funds in the account were from that insurance company and it was to pay for the contractors. 

The Pressler, Felt & Warshaw representative wanted me to show that the money came from an insurance company. I submitted the bank statements showing that the funds were from the homeowner 's insurance company on XX/XX/XXXX at XXXX XXXX. I called Pressler, Felt & Warshaw again on XX/XX/2023 XXXXXXXX XXXX, and asked when the funds will be released so that we can pay the contractors. I was told that I needed to send them more bank statements, and if I did not, they would take all the money. I explained to the representative that the money came from a joint account and the account is in more than just my name. 

I was told that It did not matter ; they could keep the funds. I asked that the account be noted, and they know that it was a joint account and the funds came from our home insurance company to pay for supplies and contractors due to a house fire. I submitted more bank statements to Pressler, Felt & Warshaw XX/XX/XXXX at XXXX XXXX. I then called back on XX/XX/XXXX at around XXXX XXXX and the representative said that if I want the money then pay them via credit card, or they are keeping the funds that they took. I explained once again that the money is to pay the contractors that were working on the house and the funds came from the home insurance company to pay the contractors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to resolve this situation several times but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had a Capital One account for over 10 years without ever having a late payment. 
The account was on autopay, there was an error on the autopayment. They were supposed to re-run it and customer service told me they did not. 
I received no notification that the payment was unsuccessful until I was reported 30 days late. 
I have no late payments on my credit files whatsoever. I am currently in the middle of purchasing a home and this dropped my credit score b
y 77 points making me unable to secure the loan. I will lose my new house because of it. 

I called Customer Service and was unable to obtain any answers, fixes etc and I need this error and credit report fixed immediately or I will lose the home.
Product: Debt collection

I have mailed letters to Vance & Huffman LLC ( on XX/XX/20 ) as well as spoke on the phone with the company stating I need validation of this debt they claim I owe. I have yet to receive a contract with my physical signature, nor have I received any form of mail correspondence pertaining to this debt. They are reporting on my credit which effects my employment. I spoke to the original creditor and was told that I have a {$370.00} balance with the company. I request that this account be closed and removed from my credit due to the fact I don't owe this debt and the company has failed to provide any documentation which is a violation of the Fair Debt Collection Practices Act. 
They have been sued in federal court for violating consumer 's rights while collecting on alleged debts. Among the numerous alleged violations, Vance & Huffman
Product: Credit reporting or other personal consumer reports

I have been battling with a identity thief for sometime now. And I decided it would be best to initiate a fraud alert. I set it up through Experian because I have identity theft protection with them and yesterday while checking to make sure my report was still accurate. Somebody had had updated the phone numbers I had listed on my fraud alert, to another phone number XXXX of the phone numbers was XXXX the other phone number was XXXX. My phone number which I initially put on my fraud alert was XXXX and for whatever reason experian, allowed another person to update my fraud alert. Experian knows that my phone number is XXXX because its linked to my identity theft protection services that I pay for every month, and they refused to even help me fix this problem and they wont even update my credit score or update it yo show where I have been paying my credit card every month I used to have perfect credit and now Experian has me listed as unscoable. And Experian wont update my credit card information where Ive been paying off my credit cards every month. They dont even show that I have a credit card. And I paid for the credit monitoring service through XXXX as well so they know my phone number as well and every time I try to call either one of the companies I get their AI that answers the phone and the AI tells me we can only transfer you to an agent in limited circumstances. And then hangs up the phone. And I have the phone calls recorded from Experian and Trans Union proving that they will not assist in anyway and I have copies of my receipts showing where I pay for them each month. Also, I am attaching a copy of my credit report to show whats going on and approve that I have access to my credit reports. The credit report that I am attaching shows the information from when I originally place the fraud alert just to show that the phone numbers the phone I had originally placed on my fraud alert
Product: Student loan

I have a loan repayment benefit through my job, where my job sends XXXX $ monthly to my loan servicer for payment towards my student loans. XXXX XXXX sent a payment of XXXX $ to Ed financial services in XXXX, XXXX, and XXXX. In XXXX I reviewed the account and noticed none of the payments have posted to the account. I spoke to XXXX XXXX and they provided me with copies of the checks showing that they have sent they payments to the account and the checks had been cashed. I contacted ED financial third week of XXXX and they responded that since my account was transferred to another servicer on XX/XX/21 it will take them 60-90 business days after the transfer to reflect in the balance. It has been another month and I still do not see the payments reflected in the account, so I contacted Ed Financial again and they responded that it hasn't been 90 days yet and offered no further solutions or status of the account. I made a personal payment to the account in XXXX that posted in about 2 days, so it very concerning to see such a delay when the checks have been cashed by the company months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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.

has violated my rights. Or a 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: Mortgage

We always carry flood insurance ever since we used to live in XXXX and the entire time that we have lived in XXXX. When we refinanced, at settlement they wrote flood insurance into our loan. The statement " flood for life of the loan '' is included in the settlement and a charge was made to secure this service. We recently found out our flood policy was cancelled for non-payment in 2012. Wells Fargo can find no evidence that they informed us that they would not handle flood through escrow unless required by law, and the company admits that at no point did they inform us that they did not and were not going to secure flood insurance as agreeed to in our settlement. An escrow-related reimbursement was made at XXXX point but it was not indicated that this was because they were not paying for flood insurance, we had no idea we were uninsured until we needed our coverage to help after a " 75 year event '' ( XXXX inches of rain in XXXX hours ) flooded our home. XXXX searched and searched to no avail, we were uninsured and Wells Fargo, despite acknowledgment of fault, will not take responsibility for this breach of contract and expenses we incurred for abatement and repair.
Product: Debt collection

Lender has contacted my employer several times. lender is also coming to my work harassing me and other co workers.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 Balance : {$0.00} ; XXXX XXXX : Bankruptcy Date Filed : XXXX XXXX, XXXX Reference # : XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

I initiated 2 bank transfers in the amount of {$20.00} and {$130.00} from my Fifth Third checking account ending in XXXX to my XXXX account XXXX and it states that the estimated completion date is XXXX and today is currently XXXX but the transfer is still pending. I contacted XXXX and they said the funds has not been received but the money was deducted from my account the next following day as of XXXX. So Im requesting a chargeback ( refund etc. ) sent back from XXXX in the amount of {$150.00} back to my Fifth Third Bank checking account. Because the money wasnt received as promised. My whole account number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/2022. Here is my tracking # XXXX, # XXXX, and # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to a third party people.

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing issue of fraudulent, inaccurate, and misleading information on my consumer report that persists despite my repeated efforts to resolve it. The presence of these unauthorized items has significantly impacted my life, causing substantial stress and XXXX. I must emphasize that I never authorized or consented to the association of this information with my name, as I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

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

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

This company illegal has fraudulent information on my credit report. These should have already been deleted from my credit report. I sent them XXXX letters already and no response over 90 days now and attached is my proof. These items should have never been on my report and the company had plenty of time to delete them but haven't Delete XXXX and XXXX XXXX off my credit report.
Product: Checking or savings account

I've had a hold placed on my account for 3 days!! Every time I'm on hold over 1hr and no one ever picks up the line. I've attempted to resolve 3 times with no luck. Have no access to my money