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

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hi i have tryed to contact transunion about the the error on my report on the inquiries that are on the report due to them having a system error there are XXXX XXXX that are on the report in error Credit Inquiries 1. XXXX XXXX XXXX dated XXXX-2017 2 .XXXX XXXX dated XXXX-2017 3. XXXX dated XXXX-2017 4. XXXX dated XXXX-2017 5. XXXX XXXX the inquires listed are in error and or not authorized i have call all the creditor, s that made the inquires but none will work with me to take off the information transunion is telling consumers to call and or write letters to the creditors to have them remove the inquires and i talked with the creditors in this case and sent them letters and they will not cooperate the creditors do not keep the records on the inquires on file they said so i asked the transunion to remove the inquries and or do a investigation and they refused to cooperate with me as well so i am asking please to have this issue fixed and have them removed by transunion do to there error on the transunion system and fix them on my report because the creditor, s will not cooperate as well as transunion thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

i was reviewing my credit report and realized there were negative accounts on it.
Product: Checking or savings account

I filed a dispute. More than once. They finally did a split decision. A total of XXXX was supposed to be on my account on XXXX XXXX XXXX. Instead I received XXXX. I have been calling every day since then. And I keep being told the same thing. 2 to 3 business days and it hasn't been put on my account. So I don't know what else to do. They won't connect me to corporate office as a matter of fact they said that corporate office didn't have a phone for me to be connected. All I want is what is already owed to me. I have already accepted the fact I won't get the rest They denied even though I gave them proof I didn't approve transactions. I have lost out because of the amount. So I don't understand now why they won't give me the money already owed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has a loan listed on my credit reports with Experian and XXXX ( and possibly XXXX ), but I never took out this loan. I spoke with a call center rep on XX/XX/22, and she confirmed I do not have an account. This loan should be removed from my credit reports.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I wired {$92000.00} to the Chase account I thought had come from the legitimate contractor we were using and didnt realize we had been spoofed. 

On XX/XX/XXXX, I wired another {$67000.00} to the same Chase account per the two invoices that were due. I received an e-mail back from the fraudster saying thank you wire received. 

At this point I had wired {$150000.00} to the fraudsters account at Chase thinking I was wiring to XXXX XXXX  per my instructions to the banks. 

Our bank, XXXX XXXX verified my wire requests by calling me and I confirmed both the account number the routing number and the name on the account as XXXX XXXX XXXX. 

We believe that Chase did not follow proper Know Your Customer Rules by failing to verify customer identities to prevent fraud, establishing a risk profile for each customer at the outset of the business relationship with them is a key component and continual monitoring of customer transactions standards to detect suspicious activity. 

This account should never have been opened by Chase in the first place and funds intended for Puffin Builders should not subsequently have been delivered to it.
Product: Debt collection

I have received a collection on my credit report from LVNV Funding LLC. To my surprise, they are reporting this account incorrectly as it is shown as being open as well but also show a balance in the amount of {$640.00}. Please remove this account from my credit report immediately. Please provide me with a copy of my updated credit report with this removed off. I dont even have an account open with this credit card company so please remove it from my account. It is not mine nor anybody i am associated with. This credit card was lost/stolen from me and these charges are not mine. It is not right that i have to pay anything. I called the credit card company and was told its my fault. Please remove this off my credit report. Sincerely XXXX XXXX XXXX
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 {$1100.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/2015 with a balance of {$1100.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

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

I mailed out a dispute on XXXX XXXX to credit reporting agencies about inaccurate information reporting on my consumer report. After 30days I received no response called the agency and was told by the rep they did not received the mail. I have proof of the certified delivery. I feel this is an attempt to not resolve my complaint which is failure to comply to my request. In accordance with the Fair Credit Reprting Act the you are in violation of 15 US Code 1681 section 604A states a consumer reporting agency CAN NOT furnish an account without my WRITTEN consent. Federal law overrides your company policy and I never gave you permission. 

XXXX # XXXX delete account XXXX  Account # XXXX delete account XXXX Account # XXXX delete account Inquiry XXXX XXXXXX/XX/21 delete
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report over the past few months, I have identified several errors within your system. It is disheartening to see such discrepancies, as they have had a significant impact on my financial standing. I have reached out via certified letter and website disputes to correct the information that is being reported. 

The erroneous information includes accounts that do not belong to me which I provided documentation for and accurate balance amounts. These inaccuracies are alarming and misleading, as they do not reflect my true credit history and responsible financial behavior. 
I have taken the necessary steps to verify the accuracy of this information with the respective creditors, who have confirmed that the data reported by TransUnion does not align with their records. 
In light of this situation, I kindly urge you to conduct a thorough investigation and correct all the errors present in your system promptly. It is crucial that my credit report accurately reflects my financial position, as it directly impacts my ability to obtain credit and make sound financial decisions. This has caused some devastating and created ongoing issues which include my place of residence, my employment and credit decrease on accounts, I understand that inaccuracies can occur, but this is out of hand that reporting has been inaccurate for XXXX months and it is imperative to address them swiftly and efficiently. Therefore, I kindly request that you provide written confirmation within XXXX as it has been well over XXXX. Once the necessary corrections have been made to my credit file. Additionally, I expect TransUnion to provide me with an updated copy of my credit report reflecting the accurate information within the same timeframe. 
I appreciate your attention to this matter and sincerely hope that you will handle it with the utmost urgency it deserves. Your cooperation in resolving these inaccuracies promptly is vital to ensuring fair and accurate credit reporting.
Product: Debt collection

In XXXX I was a victim of identity theft, where my deceased mother purchased an apartment with my name and initials. Then again, in XXXX in XXXX my social security and name was used to purchase another apartment without my consent. I reported police reports but the collection agency have not resolved this problem with my credit. 

Company 1 : XXXX XXXX XXXX XXXX 2 : XXXX XXXX XXXX
Product: Debt collection

XXXX from XXXX called and threatened to have sheriff come and arrest and send me to court. Left voicemail. And called several times. Very rude and threatening
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Transunion XXXX XXXX but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( XXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

Trans Union, XXXX, and Experian have been reporting negative items on my credit report from companies I do not have a contract with. These negative items that are being reported have cause to my credit score and ability to obtain credit, housing, vehicles, and employment causing my ability to obtain a vehicle, housing, and loans. ( see attached documents ). Please see 15 USC 1692c- Collections USC 15 1692g, USC 1681e ( b ) 15 USC 1635 ,15 USC 1692a, 15 USC 1681 ( 2Xi ), 15 USC 1666b, 12 CFR 1026.13, All codes are related to the negative items being my credit reports. Please REMOVE ALL NEGATVE ITEMS BEING REPORTED ON MY REPORTS FROM TRANS UNION, XXXX AND EXPERIAN. SEE ALL ATTACHED DOCUMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE CHILD SUPPORT ENFORCEM 1 POTENTIALLY NEGATIVE MONTH Balance details Paid off - Balance {$18000.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Family Support Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Collection account. {$18000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$18000.00} Original balance - Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX , NY XXXX XXXX number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
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 XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case remove off my credit report I also sent in certified mail I didn't get no response im asking for this to get remove off my credit XXXX trying to buy me a house and this is stopping me
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian report # XXXX for XX/XX/19 XXXX XXXX XXXX card ending account # XXXX of credit card. does not show update for XX/XX/2019 and XX/XX/2019 {$0.00} Balance
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested validation of information on my credit files and to have inaccurate information removed. The car company was paid off in full they are still reporting negative information on my report. I have documentation where my insurance has paid them off after a head-on collision. I was in a payment plan paying off the debt. After the payoff, they raised the car over XXXX from where the debt had been paid down. I have documents to provide. Other companies are reporting duplicate accounts for the same dept. which is inaccurate. I have information reporting over seven years Lastly other companies for which I have never done business are on my report. Negatively reporting information on my credit report.
Product: Debt collection

This company said that account was open 2014. I m never opened any account on 2014 period. It's not my
Product: Debt collection

XX/XX/XXXX RE : Not recognized/disputed {$XXXX} Collection XXXX originating from XXXX XXXX and XXXX XXXX XXXX Company ( XX/XX/XXXX ), debt purchased by XXXX XXXX. 

I have sent XXXX written communications ( via Certified and Return Receipt Mail, both verified as received ) to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX [ received/time stamped by XXXX XXXXXXXX XXXX and XX/XX/XXXX [ received/time stamped XX/XX/XXXX by XXXX XXXX. ] Per my XXXX XXXX Reports, particularly XXXX and XXXX, this XXXX is under Partial Account # XXXX, Address ID XXXX ( Amount seems to have originated XX/XX/XXXX ). As I have NO IDEA and do not believe that I have any involvement with this specific charge, I do not know the full Account # and XXXX XXXX has not responded with any information whatsoever. 

Per the Fair Debt Collection Practices Act ( FDCPA ) and my understanding of my rights, I requested the following information : XXXX. What is the amount of debt I am deemed to owe from XXXX XXXX and XXXX XXXX. Company? Please mention the address of the creditor along with the date of the transaction. 

XXXX. Please provide proof of the debt I am deemed to owe. Please provide copies of the purchase orders, invoices, delivery slips and or receipts. 

XXXX. Please provide me a copy of the last billing statement that was generated from the creditors account. Also mention the additional interest charges, if any, applied. 

I also made a simple and direct request to provide the following : Please provide your license number as well as the license holders name. 

The amount of the debt is not insurmountable but the principle of the matter is. I am not going to pay for an erroneous and incorrect debt applied to my credit reports. I simply requested information to clarify the issue on my end. 

On each request my full name, address, email, phone number and above information was supplied. 

Any support and assistance would be appreciated. 

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Please see attached CFPB complaint and email correspondence pdf noticing all the main contacts of the parties I have been sending my ongoing requests for documentation to. 
[ CIVIL CODE SECTION 2332. As against a principal, both principal and agent are deemed to have notice of whatever either has notice of, and ought, in good faith and the exercise of ordinary care and diligence, to communicate to the other. XXXX ) ] I spoke with XXXX and his XXXX XXXX XXXX XXXX at the CFPB to ask specifically why no action had been taken on my complaint # XXXX that was directed to XXXX XXXX XXXX XXXX XXXX XXXX , XXXX . They said that this company is not " registered '' with the CFPB so they ca n't forward the complaint and that they do n't handle complaints related to this matter! 
XXXX also told me they submitted my complaint on XX/XX/XXXX, to the FTC 's XXXX XXXX XXXX developed for civil and criminal enforcement and gave me the FTC number to follow up. ( XXXX ) XXXX. 
When I called the FTC, the phone prompts referred me back to the CFPB for my mortgage related complaint. I pushed through the FTC phone tree and spoke with XXXX who said they do n't handle mortgage complaints and that is the CFPB 's role. I told her that the CFPB had sent my complaint to the FTC but when she checked the database, nothing came up. 
I called the CFPB again and spoke with XXXX ( # XXXX ) and updated her on my talk with the FTC and asked her who I could speak with about getting XXXX XXXX XXXX XXXX XXXX XXXX, XXXX registered because they are one of the entities I wanted to report. This debt collector law firm is in violation under the FDCPA, and has been trying to steal my home for the last year with apparent authorization from XXXX XXXX, who is a debt collector as well! 
I am now re-submitting this complaint to XXXX XXXX, XXXX, XXXX and Bank of America and look forward to straight answers and a collaboration that will save us all time, make everyone accountable and with administrative remedy, avoid the court system at all costs. We all need undeniable proof of who is entitled to enforce the alleged note and who exactly the obligation is due, if anyone. 
Please note the attached XXXX : The Court should hold that homeowners may bring a wrongful foreclosure action on the basis that the party foreclosing on them lacks the power to foreclose because they do not own the debt, either due to an allegedly void assignment or for any other legally cognizable reason. 
Dated : XX/XX/XXXX Respectfully submitted, XXXX XXXX XXXX Attorney General of California XXXX XXXX/XXXX/XXXX Mortgage complaint form On Wednesday, XX/XX/XXXX there is another illegal auction scheduled for my home via XXXX by XXXX XXXX XXXX XXXX & XXXX XXXX XXXX supposedly on behalf of XXXX XXXX on behalf of an alleged trust held by XXXX that was never funded on time and remains empty. 
You must cancel this illegal auction now and produce the documents requested! You have all been noticed, again!