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

XXXX, XXXX, and TransUnion refuse to update my credit file by removing an inaccurate listing reported by XXXX XXXX XXXX. I requested an investigation from XXXX, XXXX, and TransUnion to have them remove the account due to inaccuracy. All three agencies ( XXXX, XXXX, and TransUnion ) stated that they verified the information being reported as " accurate '' and no changes were made to my reports. 

XXXX XXXX XXXX which is the account administrator for XXXX XXXX XXXX informed me via USPS mail that, " NO ACCOUNT EXISTS IN OUR SYSTEM OF RECORD FOR XXXX XXXX. '' Therefore, this collection account is VOID and needs to be REMOVED IMMEDIATELY from my XXXX, XXXX, and TransUnion credit files. 

Attachments have been added to this complaint to substantiate my claim : 1 ) A screenshot from my credit report showing the account as XXXX XXXX XXXX with the XXXX XXXX XXXX address 2 ) A screenshot from the XXXX website showing XXXX XXXX XXXX as their account administrator 3 ) A copy of the letter I mailed to XXXX / XXXX XXXX XXXX to settle the debt 4 ) A copy of the letter I received from XXXX  on behalf of XXXX XXXX XXXX stating that an account for XXXX XXXX DOES NOT EXIST.
Product: Debt collection

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Removal of collection account - XXXX I am sending this letter in reference to a collection account listed on my consumer credit report. The referenced above account is not my account- I have no knowledge of this account. Furthermore, this account is a result of identity theft. Please review your files and deleted immediately. 

As per my consumer credit report the Date THIS COLLECTION WAS Opened- is LISTED AS XX/XX/2023. 
As per my consumer credit report the Original Creditor appears to be ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX account number : XXXX I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act - I am disputing this fraudulent collection account. I am NOT requesting verication or validation but I am requesting for deletion as this account is a result of identity theft. 

If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my consumer credit reports. Also, all future attempts to collect this debt must stop. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following unauthorized accounts and inquiries from my credit report. I am a victim of a data breach, and these entries were made without my consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these fraudulent items be removed promptly. 
Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$210.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$490.00} XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$110.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$490.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$530.00} XXXX XXXX  : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX NA - XX/XX/XXXX
Product: Debt collection

An order was placed with XXXX under my name without authorization. My credit card was declined yet they sent a delivery. I signed no credit arrangement with XXXX XXXX sold the debt to chase receivables. I recieved a bill from them dated XX/XX/XXXX that said I had 30 days to dispute this or it would be reported to credit bureau. I disputed this bill. No verification of debt was sent and they reported to credit bureau in less than the 30 days from the date of the letter. I want this removed from my report and am disputing the debt.
Product: Credit reporting

XXXX Account Number : XXXX look like this account is not mine, I asked XXXX to send me a copy of this debt with my signature on it showing that this account really belong to me and they fail to reply
Product: Credit card

I am disputing the collection account with CREDITACPT  account number XXXX, dated XX/XX/year>, with a balance of XXXX XXXX account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that CREDITACPT provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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. 

Account : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account : XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Account : XXXX  XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$870.00} Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$950.00} Account XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance XXXX {$1400.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for the Equifax credit monitoring enrollment on Friday XXXX XXXX 2017. They said that I would be getting an email confirmation shortly to finalize the enrollment in the monitoring service and I have yet to receive anything after a full week. I called and they said that there was nothing they could do to help. The lady on the phone line had no access to any information and just kept telling me to check my " spam folder '' This is unacceptable. They have allowed my information to be completely compromised and now I am stuck possibly having to spend my own hard earned money to fix their mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, 2021 I obtained an automobile loan through Ally Bank for $ XXXXOn XXXX, 2021 the car was in a car accident and was totaled by XXXX insurance company XXXX XX/XX/2021 Ally reported to the credit bureau XXXX automobile loan in the amount of {$29000.00}. After they received a payment of {$19000.00} from XXXX. I contacted Ally and informed them their reporting information should be corrected I also filed a dispute on both occasions I was informed that the information was correct. In XX/XX/2021 GAP Insurance paid an additional {$4000.00} on this account. However as of today XXXX XXXXmy credit report shows that I still owe Ally {$29000.00}. Ally has refused to update my credit report with the correct information
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  account # XXXX has violated my rights. 

XXXX account # XXXX has violated my rights. 

XXXX account # XXXX 15 U.S.C 1618 Section 602A states I have right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has inaccurately reported to the credit agencies on a Real Estate Loan Account. It is inaccurate in 2 parts of the report. 
1. XXXX has been incorrectly reporting 120 days late from XXXX XXXX XXXX XXXX. 
a. I was relieved of all liability of this loan when property was foreclosed XXXX XXXX. 
b. XXXX XXXX, XXXX I requested that this item be changed to show the last date to report as 120 days late to be XXXX XXXX. 
2. XXXX has been incorrectly reporting loan closed / terminated as of XXXX XXXX, XXXX. 
a. I was relieved of all liability of this loan when property was foreclosed XXXX XXXX. 
b. XXXX XXXX, XXXX I requested that this item be changed to show the loan closed / terminated as of XXXX XXXX. 
3. XXXX XXXX, XXXX, XXXX XXXX XXXX sent me an Escrow account statement letter detailing fund distribution from XXXX XXXX - XXXX XXXX in the amount of {$13000.00} and funds received of {$2200.00}. 
a. This property was foreclosed in XXXX XXXX b. I did not make any payments to XXXX XXXX XXXX, ever. 
c. When I called to get more information, they claimed I am in bankruptcy and they can not discuss my account without my attorney present. 
* I have never nor am in the process of filing bankruptcy. 
* My attorney did not file nor address bankruptcy in any call, letter or document when attempting to contact XXXX XXXX XXXX on my behalf. 
d. The representative at XXXX said they would contact my attorney and get back to me. I have not heard back in over a week. 

Prior to the XXXX XXXX letter, I have made multiple attempts to have this inaccurate information corrected by XXXX XXXX XXXX since XXXX XXXX, with no resolution. I have furthermore sent the same letter and supporting documentation to the 3 credit bureaus in a dispute. Only XXXX and XXXX  have corrected their reports, although Experian acknowledged the dispute, it has not made any correction. I have also enlisted the help of an attorney to have this corrected and he has not been able to gain any response from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my knowledge that XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 


USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer. 



15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows it has reason to know that the consumers employer prohibits the consumer from receiving such communication 15 U.S. Code $ 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 resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30+ days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDE NTITY THEFTXXXX As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY! 


In the documents shown below, this company has sent me a copy of their docs that they have on file for this account THIS IS NOT MY ADDRESS, NOWHERE IS MY SOCIAL ISSUED, NOWHERE IS MY PHONE NUMBER ISSUE, MY NAME IS NOT EVEN SIGNED ON THE DOCS! SO THERE IS NO REASON FOR THIS DOCUMENT TO BE ON MY REPORT AS A {$1900.00} COLLECTION! THIS IS PREVENTING ME TO MOVE FORWARD SUCCESSFULLY WITH MY CREDIT PROGRESS!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple Credit Bureau Disputes and even a letter directly to XXXX XXXX. They report all aspect of this account incorrectly. The account shows open when it is closed, the balance is incorrect, it shows a past due amount higher than the high credit, and they never placed a notice that this account is in dispute.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act, Equifax, XXXX, XXXX and XXXX XXXX, Account # : XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : I also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax exposed my personal data and that of my family. Now they are charging {$30.00} for a credit freeze necessitated by their own error!
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report recently, I discovered several items that are unverifiable, invalidated, inaccurate, or questionable. These discrepancies have caused significant distress. 

Under the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be XXXX  % accurate. The accounts in question are in violation of FCRA sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which require accurate reporting. 

I have attached copies of all correspondence sent to your agency regarding these discrepancies. I request an immediate investigation and removal of these inaccuracies from my credit report.
Product: Debt collection

The debt in which the collection agency has posted on my credit report does not belong to me. I have called XXXX XXXX and they have no file or information stating that I owe this debt and proof that it s mine. I have tried to contact the collection agency numerous of times and they can not provide me with proof either. Every time I call they put me on hold. One time I was on hold for 1 1/2 hours and never came on. I want to file a complaint and also seek legal council to help me with this.
Product: Vehicle loan or lease

ATTENTION to the INDENTURED TRUSTEE : presenting exclusive equity, and its your duty. 

Notice of subrogation, Back in XXXX, I " purchased '' a XXXX XXXXXXXX XXXX, I was approved for the extension of my own credit from my cestui que vie account for the vehicle. A promissory note was presented to me and executed by me the " surety '' who is secondarily liable if the legal entity XXXX XXXX debtor/principal which is primarily liable don't take care of the obligation. 
The PROMISSORY NOTE is a financial asset/collateral which holds actual cash value which currently being securitized among other investors which was not fully disclosed.. I as the surety since the obligation was taken care of and the car " payment '' was satisfied. I am pleading for whats rightfully mine, I am entitled to receive in exclusive equity the collateral that the corporation took to hold as security. I am recouping the funds. It is unjust enrichment and not fair and just under equity. I look forward to the check to be sent to XXXX XXXX XXXX XXXX XXXX, XXXX ny XXXX. Do what's right BY GOD, THE ALMIGHTY, THE CREATOR.

I PUT ON THE RECORD NOTICE OF SUBROGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor has corrected their records and notified me that I do not owe the balance showing for XXXX and that they would notify credit agencies to correct this fraud. That has not been done with the credit reporting agencies. I have been able to contact XXXX  and XXXX  and am in the process of amicably resolving this issue. I have not been able to contact Experian and am therefore seeking help with the CFPB. 
In XXXX of 2019, {$1100.00} in charges not made by me were assigned to my XXXX account, # XXXX. I immediately notified XXXX and after an investigation I received a letter advising that they felt I had not made these chargesand they would correct my account and notify credit agencies. I wish to submit documentation to Experian so they will XXXX  and close this acoount. I will send the orignal statement showing the charges and the account no. to which they were assigned, the letter from XXXX stating that I am not responsible ( this letter has an incorrect designation of the acoount number which in our conversation XXXX assured me they had corrected ). 

I tried calling Experian but their voice menu did not fit the problem and when I tried options available and tried to speak to a representative I could not get thru. They only tried to direct me to a web site which i couldn't open.
Product: Student loan

I called in XX/XX/2021 to pay my student loan off I asked 4 times on a recorded line can you make sure this is the correct amount and the insured me that {$1700.00} was my remaking balance that was old to close the debt. 
2 to 3 months later the added {$45.00} to my bill how and why when I called the company spoke to a supervisor and thats the total I was giving. 
They need to remove the {$45.00} because I paid what balance was giving to me and I need this removed off my credit its there responsibility to let the consumer no the entire amount including all fees
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  accounts : ( XXXX XXXX ), ( XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) 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 602 A : states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

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: Checking or savings account

I came into a location other than my normal location to cash a money order drawn on Wells Fargo. I brought in the receipt from original purchase of money order and they told me they had the discretion to not cash it so they didnt. The interesting thing is I have never had this issue at my home bank in the last 8 months with much larger transactions. When speaking with the manager there was no just cause for not cashing other than prejudice or discrimination nothing solid or factual!
Product: Mortgage

I am filing to have a lien held by CitiMortgage on my property at XXXX, FL XXXX removed. This lien was included in a bankruptcy filing by my wife XXXX ( see attached Schedule F, list of creditors ). This lien should have already been removed. 
CitiMortgage stated in a letter copied to Consumer Financial Protection Bureau, dated XX/XX/XXXX, that " XXXX ' bankruptcy filing had no impact on the property located at XXXX, FL, XXXX. '' This is incorrect. I have attached court documents from XX/XX/XXXX and XX/XX/XXXX that list XXXX as the representative of CitiMortgage/XXXX and clearly identify the property at XXXX, FL XXXX by both the postal address and the legal description of the property.