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

I was a victim again of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS ARE FRAUD AND I NEED THEM REMOVE FROM MY FILE XXXX 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, credit repair services, or other personal consumer reports

After reporting AR resources to the CFPB on XX/XX/XXXX I received a response back from them stating that the account would be removed from my credit file. After speaking to a manager today,XX/XX/XXXXI was told that it will not be deleted until the debt is paid. This debt for the amount of {$650.00} and is a medical debt. I provided proof already that I had insurance at the time but they have yet to remove this debt from my report. Im confused as to why they would say that this debt will be removed from my report and then turn around and say that it will not.
Product: Debt collection

I previously disputed an account on my credit report with XXXX for XXXX XXXX XXXX. This is a paid collection, however XXXX XXXX XXXX is not a Licensed collection agency in the State of North Carolina. Therefore its against regulations for XXXX XXXX XXXX to continue to report negative information on my reports. When I attempted to disputed this on my credit report XX/XX/XXXX with XXXX, they denied my request on XX/XX/XXXX leaving the paid collection on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Under 15 U.S 1681b- Permissible purposes of consumer reports 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 instructions of the consumer to whom it relates. 

I XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this dispute letter.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

On the XXXX XXXX XXXX XXXX, credit accounts with XXXX XXXX XXXX ( XXXX ) were converted to credit accounts with a bank called : XXXX  ( XXXX  ). By XXXX, XXXX began reporting XXXX credit accounts to the credit reporting agency : Experian ( XXXX ). Despite multiple requests with XXXX XXXX XXXX to correct this error ; and, submitting disputes through Experian directly, XXXX has continued to report XXXX different accounts with different balances to Experian. This has negatively impacted my credit for approximately XXXX months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint again just to make sure that when I update my XXXX credit reports next time these items will already be removed. I repeat, I am a victim of identity theft, and these items were not created or authorized by me. I am requesting that this information be reviewed for completeness, accuracy, and appropriateness in compliance with the FCRA. Instead of sending the information, please ensure that a thorough investigation is carried out, and this items will be DELETED. I would appreciate a prompt response indicating the activities that will be taken to fix this situation. If I do not receive a response, I shall be forced to utilize my legal rights and take legal action : XXXX : XXXX XXXX XXXX XXXX, XXXX, KY, XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX : XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX & XXXX XXXX XXXX XXXX : {$360.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, GA, undefined XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance : {$330.00}
Product: Mortgage

mortgage company issued credit remark that house was foreclosed. Currently, my credit history reflects a foreclosure. The house was sold at a profit of $ XXXX and the mortgage was paid off. There was no foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom is reading this. I am writing this because I am being told by XXXX and transUnion that somehow I am not a real person who's writing to them and all this nonsense. I tried calling all 3 credit bureaus and could not get anyone on the phone to speak to. I sent in my ID and social security card along with a fraud report and was told Im a liar and its not me. I don't know what these crazy people want me do to prove its me. I am the victim of identity theft and someone stealing my information and now I'm being treated like the criminal and its not fair at all. I don't know who stole my information and for all I know it can be the same companies asking me to keep sending them my information. These companies should have already received my paperwork that it was fraudulently opened and I don't know how in the world they would expect me to pay on something that was not mine. If I have to, then I will just also report this to the better business bureau and also the Attorney General for help with this issue. I already see that these 3 companies are being sued almost every day for their fraudulent business practices themselves. I would just like for this fraudulent information to be investigated and taken off my report because its not mine. these companies wrote me letters saying they sending it to the company to investigate if its mine or not and my question is, how in the heck are they going to know if its mine? nor do they even care to spend the money and investigate my issues. They just want me to be a XXXX XXXX XXXX and pay the money for any fraudulent account that shows up. So their investigation will not be in my best interest anyway. Please do the right thing and remove theses fraudulent accounts from my report, because having to hire a lawyer to get it off and then sue is just a waste of my time and their time and money. Thank you for listening and my apologies for my rant, but this is just ridiculous I documented a fraudulent report and then then tell me I'm lying, its very unacceptable.
Product: Debt or credit management

My bank account was garnished with a phone number to call. I called the number and they explained that my account was garnished on behalf of a court order. I agreed to set up a payment plan and signed the papers on XX/XX/XXXX. Two days after I signed the papers, they garnished money from my two other accounts. One personal and a joint account with my wife. I called and they said they garnished it by mistake and agreed to refund the money from the joint account. It's been over XXXX months and I still haven't received the funds and they can't give me a date on when it will be refunded. I feel they garnished the money to make it harder for me to keep up with my bills and mortgage. 
{$3900.00} from my joint account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting a bankruptcy on my credit file. Ive written multiple letters demanding this unverified information removed. They claim this information came from XXXX. I have checked with XXXX and they do not have a bankruptcy on my file. I have also contacted the court and confirmed that information is not coming from them.
Product: Debt collection

There is three accounts that was previously with a different collection agency and it took a very long time to get resolved seeking financial assistance and i also called making sure it wo n't get on my credit report while they approve me and they agreed it would not and it finally got resolved and off my credit report. Now a different debt collection agency is trying to collect funds that is not owned and already resolved. I am so tired of these collection agencies either threatening me calling to much or not having accurate information no letters on file for notice. i never got a letter in the mail from Phoneix if i would have i would have been able to explain with them instead of taking the next protcal.
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 {$10000.00}, {$0.00}, {$5900.00}, {$550.00}, {$1700.00}, {$7700.00}, {$6800.00}, {$3100.00}. 
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 ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax needs to delete all those incorrect addresses, and incorrect spelled names. The only address that is correct is XXXX XXXX, Florida. Delete all the other addresses immediately. Also my name is missed spelled. Why is it taking so long to correct? My name is XXXX XXXX XXXX XXXX. This should be the only name on my report. Also, there is a bankruptcy that i been disputing on my report and it shows the date filed was XX/XX/2021. Why did you report this incorrect information? I am so tired of dealing with Equifax about all of these incorrect reportings. Isnt this a violation of the fair credit act? I DID NOT file for bankruptcy on XX/XX/2021. I want to see proof of verification on how Equifax came up with this information IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account/Docket # XXXX ( transunion )/ ( XXXX XXXX XXXX MICHIGAN ) 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.
Product: Debt collection

Huntington National Bank had a account with me in XXXX XXXX. Account was closed in XXXX XXXX. They stated a balance was still owed and that was payed on XX/XX/XXXX after the account was closed. Huntington did not honer payment and instead reported credit at 108 % above limit to prevent consumer from using any more credit in future. They continue to do so in XXXX. XXXX XXXX and XXXX ignored file discrepancy to support bank
Product: Vehicle loan or lease

on XX/XX/XXXX i received a letter stating I was denied credit with no credit score now I have a hard inquiry on my credit without proper consideration.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several issues I've encountered with the credit bureau. These concerns include incorrect account listings, multiple unauthorized inquiries, inaccurate credit reporting, inconsistent billing, and accounts that do not belong to me. 

Resolving these matters is essential for my financial security, and I would appreciate your assistance in addressing them.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and notice several inaccuratcies on my account. This account is hurting my ability to obtain credit, it is my understanding that that you will investigate these items for me to insure accuracy, also It appears that you have turned this item into a charge off, this account has been paid full, please reflect this on my credit file. Here is the item I am asking for you to verify as accurate. Fair Credit Reporting Act- Public Law 91-506..Title VI Section 611.
Product: Debt collection

I now have a debt of XXXX in my collections for a medical bill from the beginning of XXXX. I was using my fathers insurance and went to urgent care for XXXX XXXX. The doctor told me I had XXXX XXXX and prescribed me eye drops and charged me that amount. I felt like the amount wasnt correct and contacted the company I was being billed through, XXXX and they didnt do a good job explaining why the amount was so high. They couldnt tell me why it was so high.
Product: Credit card

In XXXX 2016, I ordered a free sample of of XXXX products from XXXX on line for {$4.00} shipping. This was charged to my account and paid but before I had a chance to open and use the product a charge for {$100.00} and {$100.00} appeared on my card. I called the company to cancel and find out why I 'm being charged when what I ordered was a free, pay for shipping sample. They said that since I did n't cancel within 14 days I owe the money. I put in a dispute with the Sears Mastercard and returned the product unopened to the shipping address.The company refunded {$100.00} but not {$100.00} to Sears claiming they are not obligated to refund my money because it was not returned properly. When speaking with Sear rep, she said Sears would not expect me to pay for something I do not have, but now are sending bills with additional finance charges.Trying to resolve this, I contacted the company several times.They told me that if I remove it from dispute they would refund the money. THEY DID NOT REFUND THE MONEY and Sears said they could do nothing about it. Please help get this resolved. I feel that I was scammed.
Product: Checking or savings account

XXXX had been charging my card for the same service twice. XXXX XXXX. I spoke with a csr and she said that she spoke to technical support and that I shouldnt do that. I was being charged XXXX for a storage plan and then an additional amount for the XXXX XXXX plan. She corrected the error however said that she couldnt refund my money for that almost 1 year of time I was charged.
Product: Credit reporting

I am a victim of identity theft. Trans Union willfully violates the FCRA law. On XX/XX/2016, I submitted a dispute to Trans Union via certified mail to them send me verifiable proof of the original signed contact by me with my signature on it for proof of each account listed on my credit dispute as actually belonging to me as stated per FCRA section 609. Trans Union sent me of a copy of there completed investigation dated XX/XX/2016 saying the accounts on my credit were either verified or new information was provided without the support of any documentation of a physical verification of the original signed consumer contract by me to support the results of their investigation of each accounts listed on my credit dispute as belonging to me. My complaint is that Trans Union did not perform a " reasonable investigation '' because they did not send me any physical documentation that support them reporting debt or public record is in fact mine. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for there reporting services could fax, mail or email in a fraudulent account. These account must be deleted from credit file. I have been greatly affected and my score is suffering as a result.
Product: Credit reporting or other personal consumer reports

I have an auto loan from MERCEDES BENZ FINANCIA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called MERCEDES BENZ FINANCIA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and MERCEDES BENZ FINANCIA with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2023. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given Citizens Bank permission to furnish this item on my consumer report, therefore I am requesting it be deleted immediately. Citizens Bank is also committing fraud by NOT DISCLOSING TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. This action has led me to uncover several violations by Citizens Bank. 
This item has violations that I want to identify at this point - according to FCRA - Obligations with respect to disclosures, and Permissible purposes of consumer reports.
Product: Debt collection

The collector agreed to a payment arrangement for XXXX XXXX I paid the balance and it was declined for some odd reason. I called and they said they were the ones to decline it. They lied and said they couldnt see on my account where I had a XXXX payment arrangement only that I made a XXXX payment. I called and the lady on the phone couldnt honor agreement, website says arrangement only cancels if payment declines twice.
Product: Money transfer, virtual currency, or money service

I asked for help with the number and they told me sorry that they can not help any further and sorry for the in convenience and just keeps letting thm the the money out
Product: Credit card

I receive collection calls before XXXX ( my time zone ) at least once a week from XXXX regarding a XXXX XXXX Credit Card.
Product: Credit reporting or other personal consumer reports

I just checked again my XXXX, XXXX and TransUnion credit reports and I can see accounts reporting inaccurately. These late payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see attached file below
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are both reporting incorrect information on my credit report. they are both reporting an account from XXXX XXXX, that does not belong to me. the address that they are reporting does not belong to nor have i ever lived there. i asked them to provide me with verifiable proof and they have not. they have not produced any documentation, no binding agreement contract, no signature that belongs to be. they have only produced an itemized bill, which proves nothing.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays XXXX CAINE WEINER XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAINE WEINER XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX