23daVinci/CFPB_Complaints huggingface dataset:
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 of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : 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 : 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  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 TransUnion Consumer Solutions 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 card or prepaid card

On Thursday, XX/XX/XXXX, I woke up and found my credit cards at chase ( all five of them ) were closed. Upon calling in the same day, I was informed that due to an " unsatisfactory business relationship '' deemed as such by a Chase affiliate, they had gone ahead and closed all my credit cards and accounts. <P/>I have five cards : Chase Freedom, Sapphire, Hyatt, Fairmont, and IHG. I truly enjoy the service from chase and having these cards, but am very saddened by their closing. They told me I was able to redeem my points for at least 30 days after closure. <P/>I have since received two letters from chase, saying they closed the five credit cards on XX/XX/XXXX, and will close my two bank accounts by XX/XX/XXXX. <P/>Chase has refunded me annual fees totaling {$210.00}. I would rather have kept the cards open and continued using them. I have called numerous times the help lines on the back of my credit cards, with no success ( or help of any kind ), as well as spoken with a chase banker ( at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) early last week ( either XXXX or XXXX ). <P/>I am highly alarmed at my treatment, and am concerned about my points - the Fairmont credit card specified that if I spent {$6000.00} by XXXX, I would earn a free night award. I have done so ( three purchases of {$2000.00} on XXXX, XXXX, and XXXX ) but was repeatedly denied getting those points ( roughly 6,060 points ) as well as the free night award, due to the fact that my statement that would have closed in early XXXX will no longer post. <P/>I am happy to speak with someone about this in further detail. I have never missed a payment, am a loyal customer ( having chase for many years now ), always pay ON or well before statement due date, and generally am a model customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe XXXX XXXX along with Experian, XXXX XXXX and XXXX has shared my personal information with XXXX XXXX XXXX After I purchased the car from XXXX XXXX I was immediately contacted by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not complete an investigation on XXXX XXXX XXXX which is an erroneous account added to my credit file. I opened a dispute and they closed the dispute the same day. I disputed this information over a year ago and it was deleted and reinserted back on my file and reported on Equifax on XX/XX/2022. I have never had any contract or service with the company and this information also states that it was included in my bankruptcy. Equifax has not done its due dilligence and has violated my rights by allowing this company to report negatively on my report. 

I am demanding this information be deleted immediately from my file.
Product: Money transfer, virtual currency, or money service

My brother sent me money and USAA refuses to release the funds and refuses to correct to problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Early XXXX I contacted XXXX asking for credit line increase with my account ending in XXXX. It was denied. A credit bureau submitted information that was not mine. Ive never filed bankruptcy, have not used a delinquent account, once I paid a credit card and put the wrong bank account number in and that made the payment late. I pay all my credit card balances off each month! I have never been in a payment program. I have a credit rating of XXXX. 
This incorrect information needs to be removed from any reporting on XXXX Or XXXX XXXX XXXX immediately. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Fl. XXXX, SS # XXXX. Birthday XX/XX/1941
Product: Credit reporting, credit repair services, or other personal consumer reports

I have done several disputes with several credit card companies trying to get them to send me info showing that the accounts are mine. 
They sent the account to a collection agency XXXX XXXX. I paid the balance due XXXX I needed my credit fix with XXXX XXXX. I told XXXX XXXX that even though these accounts are not mine I am willing to pay so I can better my credit. I paid the XXXX XXXX XXXX from XXXX XXXX and the XXXX XXXX XXXX card from XXXX XXXX. I keep disputing with express from XXXX XXXX and XXXX XXXX from XXXX XXXX, and they dont respond or send anything validating the accounts are mine at all. I been disputing this with these companies for a long time now. If they cant produce paperwork indicating these are my accounts then they need to remove these accounts from my credit report.
Product: Credit card or prepaid card

made purchase on bj 's using bj 's credit card order was never deliver and bj 's did not give me a full refund i its been 6 months and they are refusing to give my full refund because of this i was denied mortgage loan
Product: Checking or savings account

I am a XXXX and run a small XXXX XXXX. 
On XX/XX/XXXX, a company named XXXX took {$38000.00} from my checking account. 
I reported this to Bank Of America on XX/XX/XXXX XXXX as XXXX. 
They asked me to check with the company who took money out from my account which I did, they told me that I can not contact them directly, my bank ( Bank Of America ) should talk to their bank ( XXXX ). I told this to BOA, then they contacted XXXX to resolve this but it did not happen. Now BOA is say they cant do anything. I lost {$38000.00} due to the fact that Bank Of America could not keep my money safe which is their responsibility. I tried to contact BOA many times but did not get any answer and I dont know now who to contact.
Product: Credit card or prepaid card

Chase fraud department called me claiming that I need to call them back, call originated from XXXX to call back XXXX and give the reference number XXXX Both numbers state chase is presently closed both numbers come back as chase numbers and now chase is denying these numbers are theres I have no chase accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX in XXXX, Louisiana sent a convenience check to my parents with the name XXXX XXXX on it to my parents house. My father named XXXX XXXX XXXX XXXX cashed the check by signing his phone number email and drivers license number. My name is XXXX XXXX XXXX. This company placed it on my credit report and after numerous discussions they are aware it is a mistake but refuse to take it off my credit report. I also disputed the account with the bureaus and XXXX XXXX claims that it is verifiably my account even though they are aware it is not which is a lie to the bureaus and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to clearly and accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. By law, unverifiable accounts must be removed. The accounts listed below are not mine. They each are associated with inaccurate personal information. Please remove them from my credit profile and credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

ZWICKER FAILED TO RELEASE 2 JUDGEMENTS FROM MY RECORD, CASE NO.
XXXX XXXX XXXX, IN THE AMOUNT OF {$12.00}, XXXX AND {$2.00}, XXXX. THE LESSOR JUDGEMENT INVOLVES AN ERROR IN REPORTING OF {$2.00}, XXXX, SEE ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian concluded the investigation on XX/XX/2022 and on XX/XX/2022, I called them and stated they validated the information with the below creditor wihout any proper validated proof information. When I asked regarding the law and how it applies to me, and my privacy, they stated they did not follow the law, and they went by the creditor only! They stated they can not do anything else and it was just up to me, which I have send several letters to the below creditor and experian and they refused to do provide validated informaiton. 

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 UCS 1681 1. 

XXXX XXXX XXXX  # XXXX Has violated my rights 2.XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights XXXX. 
XXXX XXXX XXXX # XXXXhas violated my rights 15 U.S. Code 1 681 section 602 A. states I have the right to privacy 15 U.S. Code 1681 section 604 A section 2- States a consumer reporting agency can not furnish an account without my written permission or instructions, which they have failed to produce and acknowledge. 15 U.S. Code 1681c ( a ) ( 5 ) 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. Code 1681s-2 ( A ) ( 1 ) -Duty of furnishers of information to provide accurate information, 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

The loan was current at the time of deferral provided by the FHA. The loan went into deferral in XXXX. PennyMac has reported the loan to be 120 days past due in XX/XX/2020. My mortgage servicer is required to report my account as current during the forbearance period to the Credit Reporting Agencies per guidance from FHA and HUD. I am requesting PennyMac to remove the past due derogatory flag from my credit report from all three agencies immediately.
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 po box XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} FST PREMIER XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$630.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$830.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request that you are going to reinvestigate the disputed Account from my credit report as well as update this Account from my report during the investigation period. As of this date, you have failed to respond to my request. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting

Experian make wrong record in my report, I have disputed them, but they dont give me proper investigation XXXX - # XXXX : XXXX XXXX mistakenly taken me out of the deferment and reported me as XXXX late for over 121 days.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the lack of response to the disputes I submitted to your agency regarding inaccuracies in my credit report. On XX/XX/year>, I sent formal disputes to TransUnion, XXXX, and XXXX outlining specific inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) concerning my consumer report. 

Despite the statutory requirement for a response within 30 days, I have not received any acknowledgment or resolution from your agency. Attached are copies of the letters sent for your reference. 

I urge you to promptly investigate these disputes and provide a comprehensive response in accordance with the FCRA. Failure to do so may necessitate further action to ensure compliance with regulatory standards.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Fl XXXX XX/XX/year> Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, SC XXXX Subject XXXX Cease and Desist Notification and Debt Validation Request Notice # XXXX Dear Sir/Madam, This letter is regarding the following accounts purportedly associated with me : Resurgent ID # XXXX ( LVNV Funding LLC/XXXX XXXX XXXX  XXXX ) {$2300.00} Resurgent ID # XXXX ( XXXX XXXX XXXX XXXX  XXXX ) {$1500.00} Resurgent ID # XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) {$1300.00} Resurgent ID # XXXX ( XXXX XXXX XXXX XXXX ) {$1000.00} Resurgent  ID # XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) - {$800.00} Please be advised that I do not recognize or acknowledge these debts as valid or accurate. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I hereby request proper validation of the alleged debts. This includes, but is not limited to : XXXX. Documentation verifying that I am the party responsible for these debts. 
XXXX. A detailed account of how the balances were calculated. 
XXXX. Copies of any contracts, agreements, or signed documents ( with my wet signature ) that substantiates your claim. 
XXXX. Documentation that Resurgent Capital has legal authority to collect these debts. 
XXXX. Copy of Forward Flow Agreement. 
XXXX. Copy of Chain of Assignment XXXX. Provide proof you are licensed to collect a debt in the state of Florida. 
Furthermore, I am invoking my rights under the FDCPA to request that you cease and desist any and all forms of communication with me regarding these accounts, except for the sole purpose of providing the requested validation or notification of the closure of these accounts. Failure to comply with this request will be considered a violation of my rights under federal law and may result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), regulatory bodies and/or legal action. Your companys previous correspondence did not provide the above stated requests. Also, I am requesting that you stop reporting the above listed accounts to credit reporting agencies and remove it if its already been reported. 
Please confirm receipt of this letter in writing and ensure all future correspondence is sent to the address provided above. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

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 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 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 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 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 No account given, has violated my rights. 

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

Please c

arefully read the following. Under 15 U.S. code 1681b - Permissible purposes of consumer reports In General Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is
the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card.

The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I never gave EQUIFAX any written consent to report anything on my consumer report, No consent is Identity Theft. 
I demand you remove the following address and names : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, AZ XXXX The following accounts I demand to have removed U.S. Bankruptcy Court 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
Product: Credit reporting or other personal consumer reports

Havent been able to get into my equifax account now for probably a year. 
I've tried to talk to them in the past and waited over an hour on hold only to get told there's no one available and my call is dropped. 
was finally able to talk to someone today ( XX/XX/year> ) at about XXXX. 
I think their name was XXXX. I explained that I've already tried to reset passwords and create a new account with different email. 
i always get a message saying " We are temporarily unable to complete this request. Please try again later. '' She had me download a different browser and do an account recovery password reset did this and got the same message was told they were doing some other kind of account reset and i would have to wait XXXX hour before i could try to login again tried to login around XXXX and says password is wrong went through the process to reset password again password reset was successful still says " We are temporarily unable to complete this request.Please try again later. ''