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

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$8400.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$350.00} XXXX XX/XX/year> XXXX  XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX is trying to collect a medical dept that is a result of Identity Theft. They are relentless. Will not respond. Continuous attempts at collection when this bill is not mine and I was never in an emergency room anywhere near the state or city they claim. 

This is a fly by night company clearly without any sort of legitimate operation. This bill is not mine, yet they are still trying to collect!!! 

Several attempts at stopping the collection resulted in sending the bill again and again. Will not respond to my dispute for clarification.
Product: Debt collection

I respectfully request full investigation and based on the information I have provided I request the Enhanced Recovery Company, LLC be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. Enhanced Recovery Company, LLC needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, UT XXXXXXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report is reporting inaccurate and different information between credit agencies. Transunion reporting high credit as XXXX, XXXX is reporting high credit as XXXX, and XXXX  is reporting high credit as XXXX, which inaccurate reporting, delete this account. In addition, Transunion is reporting last payment as XX/XX/XXXX, XXXX  reporting last payment as XX/XX/XXXX, and XXXX reporting last payment as XX/XX/XXXX, which inaccurate reporting, delete this account. Also, the 2-year payment history is reporting different information from XX/XX/XXXX to XX/XX/XXXX, which makes this account inaccurate, delete this account per violation. For your records and my proof, I enclosed a snapshot of my credit reports.
Product: Debt collection

An apartment complex that my mother and my father who is deceased put me under collections when I never signed a lease with those apartments. The debt does not belong to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : EASTERN ACCOUNT SYSTEM : Account XXXX XXXXXXXX : Balance : {$760.00} Account Name : XXXX : Account XXXX XXXXXXXX Balance : {$760.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Checking or savings account

I called PNC and talked to customer service after a hold was placed on my account. I was told there was no hold and I should be able to move my money to my other bank account. Not only was the hold still there, my account was relieved of access to the transfer function at all. I called back, was quickly put in touch with someone, and then put on hold after explaining my problem. I never heard from anyone again. After multiple angry voicemails, I am ready to close my account. They will not let me even add them to XXXX XXXX to transfer my money. Nobody can tell me why they are withholding my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XXXX reporting on my personal credit file also the inaccurate name and addressesXXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX were found in my reports with XXXX, Equifax, and XXXX credit reporting agency . This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.
Product: Debt collection

I am a victim of identity theft. An identity thief used my personal information without my permission to keep the account open make purchases with  XXXX . This debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report.   Please see proof that  XXXX   Revolving  account was paid in full in   XX/XX/XXXX . Th is account was paid to a   XXXX   balance and I have not use. Now this company call  Midland Funding LLC, h ad taking action to collect payment from me i n Small Claims Count. The hav e file a case and this is not my debt. Midland Funding LLC, states that I own  XXXX ,  XXXX  and file a cas e on  XX/XX/XXXX  i n  XXXX   XXXX   XXXX . The amount is for changes in  XX/XX/XXXX  and I have not knowledge of any of the debt.
Product: Credit reporting or other personal consumer reports

I initially disputed the inaccurate reporting of a vehicle repossession, which I confirmed occurred in XX/XX/XXXX. However, following your investigation, I noticed that even more incorrect information has now appeared on my credit report. 

Specifically : The repossession was inaccurately reported as occurring in XX/XX/XXXX now its being reported as XX/XX/XXXX after the investigation, which is not only false but impossible, as we are currently in XX/XX/XXXX. 
This new, incorrect reporting compounds the original issue and continues to unfairly damage my credit profile. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that my credit report is accurate, complete, and fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency is in violation of consumer rights to privacy from third parties ( Reporting agencies ). In violation of 15 U.S. Code 6802. I OPT out.

In general, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; That disclosure was never received either electronically or a letter. I the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party ; and is explained how I can exercise that nondisclosure option.
Product: Payday loan, title loan, or personal loan

Lone star cash and i had come to an agreement for totla paymnets of XXXX they are still withdrawing money from my account even when they were paid they now have been paid XXXX cents to date on a XXXX dollar loan that is tribal and illegal. I have now closed my bank account and have paid them more than agreed to. they were to close my accoutn and settle the loan and they are refusing. loan id # : XXXX
Product: Debt collection

Its not just today, but most recently Ive had numerous calls throughout the day that range from this person/compnay to random numbers calling me. They are mostly from all around Wisconsin. Occasionally from out of state. Theres been a few times Ive called back, and nobody answers. It will ring and ring. Or it will ring and ring and its almost like a fax machine sound that comes up, or the XXXX one where someone answers and they ask questions without any explanation of who they are or what they want. If they ask for me I say, who is that?, I dont know that person, or hes not home. And they will be persistent on getting you to answer their questions. I do have a lot the voicemails saved ( like this one for example ) and I am tired of it! You will be seeing me a lot in the next month because Im going to be filing on all calls to my cell phone, my sons cell, my moms house landline, and her cell phone. Its so tiring and played out. P.S. I want to get information on how to protect a childs soon to be credit/ ss #, and anything else. I feel like if a child who has a SS # would be a easy target no? They have that new credit and I want to get ahead of the horse here. So if you can email any information that can help me get the ball rolling. Thank you for your time and all your help in stopping the madness!
Product: Checking or savings account

I attempted to close my account with TCF. At the time, I had also disputed a series of charges to my checking account. The TCF teller informed me at the time that if they closed the account, they would refuse to process the charge dispute. If I wanted to close the account, I would have to forfeit any monies that were being disputed.

This was escalated to the branch manager, who made the same claim. When I asked for a contact above her, she refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

WELLS FARGO XXXX # XXXX In Accordance with Fair Credit reporting act Convergent account : XXXX, has violated my rights XXXX U.S.C XXXX section XXXX A states I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions To add, the XXXX XXXX Wells Fargo ) has no record of these accounts in their system when I called them to verify the information. 

XP/TU/EF Late XXXX : XXXX ( See status ), XXXX, XXXX, XXXX, XXXX CONSUMER DISPUTES AFTER RESOLUTION ; CHARGED OFF ACCOUNT ; ACCOUNT CLOSED BY XXXX XXXX ; SUBSCRIBER REPORTS DISPUTE RESOLVED-CONSUMER DISAGREES Trended XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Scheduled ( $ ) XXXX - - - - - - - - - - - Actual ( $ ) - - - - - - - - - - --
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 section 602 i have the right to privacy.

According to 15 USC 1681 section 604a section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by me the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

My accounts on all Credit bureaus XXXX, Transunion, XXXX are incorrect, If there is anything i did not include please add it in there for me.I want XXXX per violation and removed from my account with the maximum credit score adjusted immediately on all three credit bureaus. How is it they are all " supposed '' to have the same rating/scores but when i checked none are the same. The open date is inaccurate one says XXXX the other says XXXX, that in itself is a violation and it shows up 7 different times so thats 7 violations in school loans and it also needs to be removed right away, price owed on my school loans are inaccurate ( all 3 bureaus are inaccurate ), my Derogatory Accounts are all off ( only 2 match ) my Delinquent Accounts are off ( only 2 match ) Closed Accounts ( all three are wrong ) Open Accounts ( all 3 wrong.. XXXX, XXXX, transunion ) Total Accounts ( all three wrong ) Inquiries ( 1 wrong ). If im missing anything please add it in for me.. Like misspelling of my name, first and last and middle
Product: Credit reporting

XXXX XXXX didnt provide me with the agreed upon paper or electronic statement for two months. No paper statements ever got to me and then gave me a call on XXXX for the first time. They explained I had a late payment for a bill of about {$12.00}. I explained back I never got a notice or any reminder of that in any possible way other than promotional emails and routine emails. I was promised that if I pay on the phone entire amount plus 1 month ( not 2 months! ) of late fees, there will be no problem with credit reporting or anything else. I paid all in full as agreed upon on this first call I got form XXXX. Same day I saw to my surprise and against all that was explained to me on the phone that my account was reported delinquent by XXXX. I called back several times to talk to the XXXX XXXX Credit Department but they didnt want to help or explain why the reporting happened after my account was fully paid. In addition, they only send me a notice to dispute the status of the account only after it was in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries were fraudulently placed on the account. Accounts removed but inquiries still remain. Inquiries need to be removed. 

XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX of Inaccurate Reporting Dear Credit Bureaus, I am writing to formally dispute inaccuracies in my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit reports, I identified a charge-off that contains incorrect information. 

The following account requires your immediate attention : XXXX XXXX XXXX XXXX The information reported regarding this account is inaccurate, including the activities, dates reported, dates opened, account status, and amounts. This information needs to be deleted from my credit reports. 

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), you are required to ensure maximum possible accuracy in reporting. If this information can not be verified, it must be promptly deleted.

Please provide me with all information your bureau used to verify these inaccuracies. Should you fail to comply with my request for deletion and can not produce METRO 2 compliant evidence, I will have no choice but to involve my legal team to file complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Attorney General of North Carolina, along with pursuing any further legal action deemed necessary, including civil punitive damages. 

Upon completion of your investigation, please send me an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. 

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

It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to remove the items listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXXXXXX XXXX Balance : {$720.00} XXXX XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX Balance : {$1600.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX  Balance : {$5800.00} XXXX XXXX XXXX XXXX : {$5000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting XXXX XXXX XXXX creditor ( which uses alias company names to obfuscate and obstruct consumer disputes ) to be a collection/charge off account on the Transunion website on my current credit report. Yet it also states a {$0.00} balance with no past due payments. It also states it sold this debt to a another lender without mentioning the name of the other lender. My Experian credit report shows that currently Transunion is reporting XXXX XXXX XXXX ( XXXX, XXXX XXXX ) is a closed account with {$0.00} balance and no late payments. So because XXXX is a closed acccount, with a {$0.00} balance, and this has been purchased by another lender, the other lender has not been reporting since the purchase and does not even list their name.1. The time-barred statute of limitations for collections is 3 years in NC/SC from the first report of deliquency. That is 4 years past. 2. This creditor reports a {$0.00} balance with them so they are not collecting. 3. If this supposed debt was sold, it is not listed to whom, but still disallows XXXX by any alias to report on negatively on my credit because I have no financial obligation to them as XXXX reports a {$0.00} balance and no late payments. 4. No verification of debt has ever been produced by XXXX nor this supposed other purchaser of this debr to me for this debt, which is not a debt because it is a {$0.00} balance. It is only the right for the purchaser of this supposed debt to make a claim after verification of debt to them that I even owe a debt.
Product: Debt collection

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Vehicle loan or lease

Vehicle was refinanced in XX/XX/2022. Upstart never released title with release of XXXX to new lienholder XXXX XXXX XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found that CREDENCE RESOURCE Manage has obtain my information under false pretense and used it to cause actual damages to my credibility. To obtain and use someone information without their consent is " IDENTITY THEFT " I am asking CREDENCE RESOURCE MANA to provide me a signed proof contract that I have given them consent to use my information.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX the vehicle was involved in a pedestrian fatality/ suicide. The vehicle was held as evidence from. XX/XX/XXXX to XX/XX/XXXX. My insurance company did not cover damage or any vehicle repairs, the tow company charged a daily fee which is now up wards of $ XXXX, Wilshire consumer credit title loan is XXXX +. The incident has affected me negatively in many ways related to my mental health, finances and overall well-being.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX THESE HAVE 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 an 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