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

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DEPTEDXXXX Account Number : XXXX Delete this account. 

5.15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX  Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY DEPTEDXXXX  Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX  Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER DEPTEDXXXX Account Number : XXXX Delete this account. 

10. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX AUTO Account Number : XXXX Delete this account. 

11. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX/XXXX  Account Number : XXXX Delete this account. 

12. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found accounts on my credit record I never did this is a fraud
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because TransUnion is reporting two bankruptcies on my credit reportXXXX  XXXX ( filed XX/XX/XXXX ) and XXXX  XXXX ( filed XX/XX/XXXX, dismissed XX/XX/XXXX ) that I believe are inaccurate and unverifiable. I received a letter from the bankruptcy court confirming they do not provide information to credit reporting agencies, which indicates that TransUnion has not properly verified this information. Despite my request for an investigation and removal under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), these inaccurate items remain on my report, negatively affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXXXXXX Account number : XXXX, XXXX XXXX XXXX XXXX XXXX  Account number : XXXX, FXXXX XXXX Account number : XXXX xxxxxxxxxx, XXXX XXXX XXXX  Account XXXX : XXXX, XXXX/XXXX Account number : XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A XXXXon XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Student loan

XX/XX/2018, I was informed by Navient that I qualified for loan forgiveness program. Navient employee asked me to stay on line while she directed my call to a XXXXpecialist who would take my information and begin request for loan forgiveness. I was charged a fee to begin process and on XX/XX/2018 XXXX payments of XXXX was charged to my credit card. After contacting Dept. Education, I am now aware that I do not qualify for loan forgiveness program and no fees should have been paid for any reason. 
My bank is aware and will look into XXXX XXXX XXXX.
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1.XXXX  UNIVERSITY XXXX XXXX Account Number : XXXX Bal : {$300.00} 2. XXXX XXXX XXXX  Account Number : XXXX Bal : {$1100.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100  % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 or other personal consumer reports

I wrote a letter to WF/XXXX  over 90 days ago and I still have not received an response from them regarding a debt they have added to my credit report. So my problem is I didn't receive notice of right to dispute and when I contacted them they never responded to verify the debt when I asked for it back in XXXX. I was never notified of the status of the results. This negative information has caused a lot of problems over the last few months because I refuse to pay a debt that does not belong to me.
Product: Credit reporting, credit repair services, 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 itemXXXX 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  Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

i moved out from my apartment XXXX the reserve at XXXX XXXX XXXXXXXX XXXX XXXXt was in great condition, the lady told me they were going to call me if anything t i need it to pay in case they need to clean the carpet, never got a call, they have my email, my new address and my phone number of course they never contact me. till i get a letter that they sent me to collections, i called the apartments spoke to a lady name XXXX asking her why they didn't contact me first about the fee, they did not have any records of them trying to contact me till now they have not contacted me regarding that issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX In Accordance with the Fair Credit act XXXX account # XXXX, has violated my rights. 

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.
Product: Debt collection

My job received a letter from XXXX County NJ courts to garnish XXXX from my wages. My employer funrnished me a copy, this was the first I heard of this alleged debt. I called New Century Financial who  supposedly purchased the debt, from another collection agency. As far as they could tell the original debt is from XX/XX/2003. I told her the practice to collect on such an old debt is at best unethical and at works illegal. I was informed that XXXX XXXX on credit card debt for 20 years which is a lie and illegal. Since she refused to help, I called the court house and they confirmed the original debt was from XXXX in XX/XX/2003. The Statute of Limitations is for 6 years on a credit card debt. This is 15 yrs old. Furthermore I do not recognize the debt, I do not remember having a credit card from XXXX ever. Therefore here has been no payment on the account that could possibly renew the 15 yr  old fraudulent debt. The law firm of XXXX, XXXX XXXX XXXX XXXX XXXX is buying Zombie Debts and using unlawful practices to obtain money from people. Also the XXXX County Courthouse should have known better!
Product: Credit reporting or other personal consumer reports

I used XXXX multiple times to dispute the {$160.00} collections showed by AFFIRM because I had paid it off with the third party debt collector they sold it to named XXXX XXXX. I called AFFIRM and was told by an agent that I had not made any payments and that I should reach out to XXXX XXXX. I called XXXX XXXX and they said they reported it to AFFIRM in XX/XX/2023. I reached out to AFFIRM multiple times requesting a supervisor to reach out to me and even emailed the letter sent by XXXX XXXX acknowledging I made a final payment of {$160.00}. AFFIRM has continued to ignore me and inaccurately put on my credit report that I owe {$160.00} that I have already paid.
Product: Credit reporting or other personal consumer reports

It is showing negative standings from the years XXXX on my experian and XXXX credit report but on XXXX XXXX it stands positive and does not reflect anything negative from those years. All of my payments are up to date
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit reporting

XXXX XXXX XXXX collection copy has recently sent me a letter. Stating the removal of negative information off my credit report. This information has not been updated. I have since forward the infomation to the CRA. Transunion, XXXX and XXXX. Please assist with having this information remove from my credit file. The information do not have my name on the debt. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 XXXX days should be plenty of time for your company to send me the information that I'm requesting regarding the previous investigation you did on the following accounts listed below. Your Method of Verification is highly requested. To my understanding you sent back an insufficient reinvestigation and everything is still not meeting FCRA Requirements. 
1. 15 U.S. Code 1635 ( b ) Return of money or property following rescission - Right of rescission as to certain transactions XXXX XXXX XXXX XXXX XXXX Please remove this account or I will file litigation. 
2. Under 15 U.S.C 1681c-2-block of information resulting from identity theft XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 
3. Under 15 U.S.C 1681c-2-block of information resulting from identity theft XXXX XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You claim to have verified these accounts pretty fast which you probably didnt completely do. I have a simple request. What procedures does your company have in place to investigate accounts? Can you send me a copy of those procedures? Second, what evidence are you basing your verification off? Please send that to me also. I want to make sure you are following the laws that are in place that protect us normal people. 
please send me my full credit report along with the following items : your investigation results contact information for each creditor The persons name they verified the dispute with The documentation used to verify the dispute and any relevant information from the previous investigation. 
Sincerely yours, XXXX XXXX
Product: Mortgage

CoreLogic and its associates XXXX XXXX XXXX and/or representatives continue to willful violate RESPA as well as overcharging clients and mismanagement of escrow accounts creating a constant surplus or shortages and/or a way to charge people a higher monthly payment. 

They play a game of calling its errors when doing so or claim it is mistakes when in fact, they are experts at it and continue cook the books and/or do things to create either a shortage and/or overages they use the taxes as part of the cooking of the books processes. 

By either overpaying them, underpaying them or paying the wrong property or not paying them at all until it's a problem. Then they get the overpayments from the taxing authorities sent to them. They have made millions doing this causing chaos for the average person as well as hardships, distress, mental anguish. ( See below link. ) They are fall into a pattern also involves the insurance companies and/or do so during such renewals and/or are price gouging. They send a shortage of escrow notice and even when you pay it in full, they play games like they dont know it or receive it and continue to bill you the monthly installments then overpay or under pay the taxes or dont pay them and the mortgagee has to and/or stay on top of it exploiting the RESPA processes. They also set up a separate company to handle the property taxes as part of the cooking of the books processes. 

XXXX XXXX XXXXXXXX XXXX Note XXXX seems to be this years new number of increases to monthly billing. 

They have at minimum grossly mismanaged the escrow account and/or the paying of taxes and/or their incompetency is a breach of contract FHA laws or rules XXXX RESPA violations and causinXXXX XXXX XXXX people and/or mental anguish. 

Please see prior complaints # XXXX and XXXX. 

They may also be using as a harassment operation, political hit jobs or to fund and insurgency at the XXXX XXXX. Unknown, Unconfirmed, Unverified.
Product: Debt collection

Greetings, I am attempting to file a complaint regarding LVNV Funding LLC and XXXX XXXX. I was recently served due to this matter which violates the FCRA XXXX XXXX XXXX XXXX. I recently pulled my credit report and noticed several inaccuracies with this account. First, the balance owed is misreported with XXXX and XXXX. Secondly, the reported date and closing date reflect inaccuracies violating the Fair Credit Reporting Act. Could you please look into this matter? I have been a valued consumer with XXXX XXXX since XX/XX/2015 and I am disappointed the creditor is now trying to sue me. I am receiving XXXX and this matter has caused a strain in my life. I have never done business with LVNV Funding LLC and I am concerned they now have my Personal information and are harassing me for a debt that I do not have with them. I have attached a screenshot of the report with each bureau. I greatly appreciate your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now stressed, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609.
1. XXXX XXXX XXXX 2. ERC 3. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter that was received over 30 days ago by U.S. certified mail. They have failed to properly validate the accounts I questioned. I have received no written communication or any supporting documents that I have requested.
Product: Money transfer, virtual currency, or money service

Zelle not being able to confirm the person I sent money to and if it was the wrong person there was nothing Zelle could do about it even if it was an honest mistake sent to the wrong person it couldnt be reversed thru Zelle
Product: Credit reporting, credit repair services, or other personal consumer reports

disputed incorrect items on my report and haven't received the results from months ago
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to XXXX XXXX and XXXX requesting for the deletion of inaccurate, unknown accounts on my credit reports. 

Specifically, a company named XXXX XXXX reported a {$400.00} charged-off account, opened in XX/XX/XXXX, to XXXX XXXX XXXX XXXX. XXXX XXXX sent the account referenced above to a collections agency named Resurgent Capital Services LP in XX/XX/XXXX, for the amount of {$420.00}. 

I have never opened an account with XXXX XXXX and do not know anything about the charged-off and collections accounts yet all three credit bureaus are still reporting these inaccurate accounts on my credit report. XXXX  updated my credit report with the following comment : " the company reported certified to XXXX that the information is accurate ; XXXX  updated my credit report with the following comment : " account information disputed by consumer, meets FCRA requirements '' ; and XXXX updated my credit report with the following comment : " consumer disputes after resolution ''. 

I was curious as to how XXXX XXXX determined that an inaccurate account should remain on my credit report. Between XX/XX/XXXX and XXXX, I wrote additional letters to XXXX XXXX, XXXX XXXX XXXX XXXX requesting for the description of the procedures used to determine the accuracy of the disputed information and for validation obligating a payment. 

I have not received any responses from XXXX XXXX or the credit bureaus. I am currently experiencing financial harm because of these companies ' negligent reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

After months of requests to XXXX XXXX, they still have not provided any validation that the account is mine. More importantly, that I should pay THEM. I have requested simply validation for months, but all they said was it 's verified. And with that, I inquired as to how they verified it, with whom, and they never provided any documentation to show verification/validation.
Product: Checking or savings account

On XX/XX/2023 a check was fraudulently drawn on my account for {$5200.00}. On XX/XX/2023, that money was returned to my account. 

On XX/XX/2023 {$920.00} was fraudulently taken from my account ( which only had {$330.00} in it to begin with ... ) this time, BMO-US did not return the funds, instead, freezing my account and telling me I had to go into the local branch office to discuss further. I went to BMO 's Branch office in XXXX, FL. The representative helping me, XXXX XXXX, proceeding to close my account and open a new account that my funds could be sent to once this was resolved. She ended up completing the wrong paperwork, which was then notarized by the XXXX XXXX, XXXX XXXX XXXX who, apparently, was just as clueless on how to handle my situation. 

In the meantime ( XXXX month later in XXXX ), I travelled across country to New Mexico when it was revealed to me that the paperwork I submitted was incorrect and that I would need to seek out a local BMO branch. I then went to BMO in XXXX XXXX, NM, where the Branch Manager completed the appropriate paperwork, but then sent the paperwork along to XXXX XXXX at BMO-XXXX XXXX so that she could complete a section ( 4 ) on the " Affidavit of Forged or Altered Checks '' called " Additional Information Required. '' I've asked her repeatedly for a copy of this document for my records and she avoids getting back to me. I have a complete list of emails and phones calls that I've made to the branch and BMO-Customer Service and I'm getting no help at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

dealing with a problem like always with these guys. no response to consumers who have innacurte things on their credit report.