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

My correct address is deleted FCRA violation please see attached document FCRA VIOLATION. Correct right address is : XXXX XX/XX/XXXXXXXX XXXX, XX/XX/XXXX XXXX and remove wrong address below or pay me {$1500.00} PER violation accordance to FCRA law. 

XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX << -- - NOT Correct address. 
XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3800.00} written off. {$3800.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$3800.00} Date OpenedXXXX XXXX XX/XX/XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$1500.00} written off. {$1500.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$1500.00} Date OpenedXX/XX/XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$430.00} written off. {$430.00} past due as of XX/XX/2020. 
Account TypeUtility Balance {$430.00} Date OpenedXX/XX/XXXX
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 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

XXXX ... Hard Inquiry XXXX XXXX XXXX ... ... ... .Hard Inquiry XXXX XXXX Syncb/Toys  Hard Inquiry XXXX XXXX Syncb/Sams Hard Inquiry XXXX XXXX XXXX Hard Inquiry XXXX XXXX & XXXX XXXX Syncb Hard Inquiry XXXX XXXX ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX XXXX on my report in collections I called all the companies and talked with someone and their customer service would not help and remove the negative items that is reporting on my credit because I did not authorize none of these companies ... ... This is not fair that someone can mess up your credit like this
Product: Checking or savings account

Our account of around {$150.00} had {$140.00} sent to a " XXXX XXXX '' someone we do not know or have ever met without our knowledge or approval and SoFi says they reviewed it and found nothing wrong. We have never sent anyone money from sofi not once and we want our money returned
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, Line of credit XXXX XXXX XXXX XXXX XXXX under the account number XXXX on XX/XX/XXXX, and a loan with XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts reported. 

The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : CXXXX XXXXXX/XX/year>
Product: Debt collection

A company named XXXX is calling my home, my cell phone and the home of my in laws stating that they have papers to serve me and that they will be arriving at my home or places of work to serve them to me for a debt I owe. I am XXXX years old and do not work. My daughter called them and they told her it was a XXXX XXXX account opened in 2000. I have never had a XXXX XXXX account. My daughter also checked my credit and there is no record of a XXXX XXXX account. They continue to call all of us even though we have asked them to stop.
Product: Bank account or service

ALLY BANK stole XXXX and would not return the money to me. they are saying that the account had {$0.00}
Product: Credit reporting or other personal consumer reports

This is in regard to XXXX account # XXXX. This account was paid off in full in XXXX therefore this account should have been permanently deleted from my credit file instead of remaining on my credit file until XXXX of XXXX. Future creditors will look at this information and wonder why this account is on my file.
Product: Debt collection

On XX/XX/2021 I became aware of Radius Global Solution reporting on an alleged debt. I never contracted with Radius Global Solution I am unaware of how Radius Global Solution obtained my personal information to report such alleged debt. This fraudulent reporting is defamation, identity theft, and unfair deceptive collection practices in the state of PA. Debt collection agencies and creditors may only get location information thru communication not to reveal a debt is owed. Unfair or deceptive collection methods. It is unlawful for a collector to collect any amount, including any interest, fee, charge or expense incidental to the principal obligation, unless such amount is expressly provided in the agreement creating the debt or is permitted by law. Communication. The conveying of information regarding a debt directly or indirectly to any person through any medium. Radius Global Solution is not authorized to communicate and i have not given any written consent to this account. Radius Global Solutions is in direct violation of the FCEUA, FDCPA, FCRA, and Aggravated Identity theft 18USC1028a.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I noticed an unauthorized withdrawal from my bank account with XXXX XXXX on XXXX XXXX. This transaction was not authorized by me, nor did I make this withdrawal. The amount of the unauthorized withdrawal was XXXX. I am disputing an unauthorized withdrawal that occurred from my XXXX XXXX. The withdrawal was made by XXXX ( the car rental company ), and I did not authorize this transaction. The charge was related to a car rental under insurance replacement, where the insurance company was responsible for payment, not me. 
The insurance company had already paid XXXX directly for the rental car, and they were not authorized to take additional funds from my card. However, XXXX took funds from my account in the same amount the insurance had already paid them, effectively charging me double for the rental. I did not provide authorization for XXXX to charge my card at all since the payment was already settled by insurance. 
When I noticed the unauthorized charge, I immediately contacted XXXX to dispute the transaction, but they did not resolve the issue. Instead, they reported the charge-off to the credit bureaus, marking my account negatively for this unauthorized transaction. 
Additionally, I discovered that XXXX had made an unauthorized credit inquiry on my account on XXXX XXXX. I did not apply for credit with XXXX, nor did I authorize them to check my credit report. 
I have filed a report with the FTC regarding this fraudulent activity and attempted to resolve it with XXXX and the credit bureaus. However, the unauthorized charge-off and inquiry remain unresolved, and this has negatively impacted my credit. 
I immediately contacted the bank to dispute the transaction, but instead of resolving the issue, the bank charged off the account, marking it as a negative item on my credit report. The charge-off was reported to the credit bureaus as a negative entry, even though it was the result of fraudulent activity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX, XXXX, EQUIFAX. By way of identity theft, said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Consumer Loan

ON XXXX/XXXX/2015 I APPLIED ONLINE FOR A {$2500.00} INSTALLMENTLOAN, AND WAS APPROVED AND CALLED TO SET UP APPOINTMENT, AND ON THE XXXX OF XXXX WE WENT IN TO THE XXXX STOREAND COMPLETED ALL FORMS ETC, AT THE END STATED I HAD XXXX LOAN ON THE STATE OF ILLINOIS ( XXXX ) GAVE ME A DENIAL LETTER AFTER STATING THEUR IS A COOLING OFF PERIOD, 3 DAYS LATER WENT BACK AND WHERE THE STAFF WAS HAVING A PARTY! ONCE AGAIN A REPEAT EVENT ... THIS FISACO COST ME AND CAUSED MAJOR PROBLEMS.
Product: Credit card

Received a letter from Wells Fargo XXXX XXXX. I called the XXXX number and was told that the answers I provided were accurate and that they owed me {$1100.00}. The agent said I should receive these funds in 7-19 days. As of today, XXXX XXXX, I have spoken to 7 agents who have repeated told me that these funds have not been released AND THAT IT COULD TAKE UP TO 45 DAYS TO APPROVE AND THEN LONGER TO MAIL. If the courts have determined they owe this money, why are they not cutting the check since this was from charges from XX/XX/XXXX and ending XX/XX/XXXX. They refuse to expedite this payment. What recourse do I have? Reference # XXXX
Product: Credit card or prepaid card

Charged back amount of {$80.00}, I disputed transaction and was unable to obtain a credit. We went to an establishment, and none of the machines or food services were available, but because we walked in, we were unable to get our money back. This was all told to XXXX  but they closed the dispute and didnt return funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a delinquent amount reported by Experian, XXXX, and XXXX the company reporting the late payment is XXXX  XXXX for the Month of XX/XX/2022. I have not made any Late payments and I have disputed this matter with the Bureaus. I have requesting documents supporting theirs decision and the companys lies have failed to respond with supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with XXXX, Experian, several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX  XXXX XXXX A Account Number XXXX XXXX is reporting an open date of XX/XX/2019, Experian has an open date of XX/XX/2019, and XXXX XXXX not reporting this account at all. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, Experian and XXXX considered to be furnishers? These accounts do not belong to me and XXXX, Experian and XXXX have failed to plead their case to who has provided them with this false information and/or provide method of validation of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.
Product: Debt collection

I am sending a message to bring to your attention an issue of harassment that I have been experiencing from a company. I have been subjected to test messages and emails of harassment, such as verbal or physical abuse, unwanted advances, or discrimination, by Absolute Resolution Corp., who have been harassing me.

This unacceptable behavior has created stress for me. I have made multiple attempts to address the issue with the company, but the behavior has persisted. 

I am requesting that your company take immediate action to investigate and address this issue. I would appreciate it if you could provide me with a clear timeline for when I can expect to see the results of your investigation and what measures will be taken to ensure that this type of behavior does not happen again in the future. 

I hope that this matter can be resolved quickly and efficiently and that appropriate actions will be taken to ensure that I will never have to experience this again. I look forward to hearing from you soon. 

I would like to remind you that harassment is a serious matter, and its important to take it seriously. I strongly encourage you to take immediate action to address this issue, as it could have a severe impact on my mental and physical well-being.
Product: Credit reporting or other personal consumer reports

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 DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX 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 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. 16815-2 ( 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 card or prepaid card

Somebody used my car and wells fargo charged me with interest and fees couldnt pay they got a me refund but took so long and didnt get the entire refund went to collections and still struggling
Product: Debt collection

I MOVED LAST YEAR I NO NOTHING OF THIS DEBT I DONT EVEN NO THIS COMPANY I NEVER GOT ANY DEBT VALIDATION VIA EMAIL OR USPS MAIL BUT THEY ARE HARASSING ME BY CALLING MY PHONE NOW EVERYDAY ALLDAY THEY HAVE RUINED MY CREDIT THEY REPORTED THIS ACCOUT TO ALL THREE CREDIT BUREAU'S.WHICH I DONT OWE THEM ANYTHING BECAUSE I NEVER HAD A WRITTEN CONTRACT OR AGREEMENT WITH THIS COMPANY.
Product: Checking or savings account

Case opened XX/XX/XXXX. Account has been frozen for one week and no withdrawals are being allowed as my Social Security benefits have since been deposited.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Trans Union are not responding to any of my requests to provide me with the documents with the original signatures.
Product: Checking or savings account

I mailed a request to close my checking account with Citibank in XX/XX/XXXX. At that time the account balance was {$0.00}, with no transactions pending or scheduled for the future. 

I received an e-mail notification on XX/XX/XXXX that a $ 12 monthly fee had been charged and my account was overdrawn. I spoke with Citibank via phone later that day, and reiterated my intent to close the account. I was told the fee had been removed, and my account had been closed. I then received another e-mail on XX/XX/XXXX indicating that a {$46.00} fee had been charged, and my account was therefore overdrawn. I spoke with Citibank via phone later that day, and again reiterated my intent to close the account, and was again told the fee had been removed and my account had been closed. I then received another e-mail from Citibank on XX/XX/XXXX indicating my account was overdrawn by {$34.00}, and a demand for payment of the fee, or the account would be closed.
Product: Mortgage

I am a listing agent that has been working on a short sale for almost XXXX years now. We have received bank approval previously and had the buyers walk in escrow. Most recently, we had short sale approval at the price of $ XXXX. The buyer walked in XX/XX/XXXX. We found and submitted a replacement offer at $ XXXX. A new Notice of Trustee Sale was filed last month assigning a foreclosure sale date of XX/XX/XXXX. The previous NOTS had been filed XX/XX/XXXX and the sale proceedings had been on hold since then. We received a counter from the investor to $ XXXX which the buyer has met, and all requested documentation has been submitted. We were instructed that unless the file was in closing we would not be able to request postponement of the sale date. Now, although the file is complete and has been for several days, Bank of America has not moved the file forward. As the buyer has fully met the investor 's counter offer, and we previously had approval at a lower price just two months ago, there is no reason why we should not be moving forward with the current offer. Our negotiator went out of town without notifying us, and we have been attempting to work with her supervisor the past few days. We have been unable to get them to request the postponement, or even move the file forward in review. Now it is looking like the home will go to foreclosure auction on Friday, although both buyer and seller are highly motivated and we have an offer at what has been requested.
Product: Debt collection

I asked the company that had my information into the collection agency to provide me with signed documents that has my social security number, date of birth and original signature on documents that shows my signature and correct SSN and DOB all documents and none of what I asked for has yet to be provided, they send me everything but what I've asked for. No documents have been confirmed with my signature, correct DOB and SSN
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking to get a quote for a vehicle and had one lender in mind. the car dealership ran my social way more than i asked or expected and hit my report with several hard inquires. I did not authorize or know that this had happened until I got home and seen my report. 

They also violated the law because according to 15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

These are the inquires that I did not authorize or know anything about : XXXX : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Experian : 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 called Experian on XX/XX/year> at XXXX XXXX for removal of address I spoke to the dispute department which had an employee by the name XXXX XXXX cited 15 usc 1681 2 ( b ) stating that they did not have my consent to report any inaccurate information. They are reporting an address I never lived at and refused to update my address. Experian act as if the are a part of a cabal with creditors and does not care about violating the fcra. As the consumers Experian does not abide by these laws I also have partial recordings of denial of fcra and refusal to abide by the law from manager and employee.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reported on my credit report regarding my Credit Card account XXXX and or XXXX have identified that late payments have been incorrectly reported, negatively affecting my credit score.

Under the **Fair Credit Reporting Act ( FCRA ) **, specifically **15 U.S. Code 1681i** ( correction of inaccurate information ) and **15 U.S. Code 1681s-2** ( responsibilities of information furnishers ), credit reporting agencies and information providers are required to ensure the maximum possible accuracy of credit reports and correct any errors in the data provided.