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

This summary addresses the issue of inaccurate reporting on my credit profile, which has resulted in the unauthorized use of my Social Security Number ( SSN ) by someone else. I am seeking resolution and assistance from the Consumer Financial Protection Bureau ( CFPB ) to rectify the situation.I have discovered inaccuracies in my credit profile, specifically related to the unauthorized use of my SSN. These inaccuracies have led to fraudulent activities, with someone else falsely assuming my identity and utilizing my SSN for financial transactions and credit applications. As a result, I have experienced significant financial harm and potential damage to my creditworthiness.I have taken initial steps to address the issue by contacting relevant credit bureaus and reporting the fraudulent activity. However, the situation remains unresolved, and I now seek the CFPB 's intervention to ensure a thorough investigation and resolution of the matter. Experian, XXXX, XXXX both received letters from me dated on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each credit bureaus have failed to provide proper validation for the alleged accounts : XXXX XXXX XXXX ( reporting on XXXX ) and XXXX XXXX  ( reporting on all 3 bureaus ) None of the credit bureaus have provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. I have requested that all information that could not be properly validated be deleted immediately and my requests have been ignored. Based on FCRA 611 ( a ) ( 2 ) ( B ), Each bureau is required to forward all relevant information provided by the creditor for their investigation of my dispute. All each bureau has done is merely update the account date and imputed my name with the alleged debt. This blatant negligence to be compliant and refusal to take my request for proper validation will no longer be tolerated. The unverified items XXXX XXXX XXXX XXXX XXXX remain on my credit report and are a violation of Federal Law. As a consumer my rights have been violated by the credit bureaus. This refusal to remove the accounts after requesting proper validation is " negligent noncompliance '' under ( Section 617 ) I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX # XXXX  is reporting a late that I should not have. I was never late as I did not owe a payment at the time, the doctor who billed me decided he couldn't do the treatment and cancelled. I never received a bill and it was supposed to be 6 months with no payment or interest. I recently found a different doctor to do the treatments and started with them. No payment was due and they are in violation, I should not have a late.
Product: Checking or savings account

I am requesting assistance with Self Financial 's reporting on my XXXX, XXXX and XXXX profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been waiting for nearly six months, I have not received my credit report. Have sent over letters on many occasions they have lots of misinformation on my report and they have not updated any information for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX {$2700.00} XXXX {$1300.00} XXXX {$580.00} XXXX {$410.00} XXXX {$2300.00} XXXX {$330.00} XXXX {$590.00} XXXX {$840.00} XXXX {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting this complaint myself and theres no one or third party involved with this submission. I would like to also note that I am a natural living person/ a consumer pursuant to 15 USC 1692a ( 3 ). Additionally, I would like it to be noted that the data furnisher ( Lending Club ) is violating my right as a consumer according to fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ).
Product: Debt collection

Collection agency was trying to collect the debt which I did not owe. It was a medial bill at which was time that I had medical insurance with the VA. I strongly believed it was a pure error and I requested the Collection Agency to validate the debt. No response was given.
Product: Debt collection

on XX/XX/XXXX I lived in XXXX and my ex husband and i both was on the loan to the vehicle that was a repo. we never heard anything from the company that financed the truck until XX/XX/XXXX I was living in XXXX not my ex he was in XXXX They original company sold the loan to a company in XXXX that collects old debt and XXXX is a wage garnishment state, XXXX is not where he my ex still lives. I filled out all the papers and sent them back to the company/civil court in XXXX and heard nothing about the case for 2 months I then was offered the opportunity to move back to XXXX in XX/XX/XXXX and I moved back here where I currently live. This weekend I received a summons to go to court in Arkansas in XX/XX/XXXX I called them and said I dont live in XXXX I moved last year and was told if I do not go to court then I will loose automatically a judgment will be issued and they will get money from my wages. This is why they did not sue my ex XXXX  is not a wage garnishment state no court in nc will do wage garnishments but XXXX   will and being I do not live there how can they sue me the truck was repo from XXXX and me and my EX live in XXXX plus XXXX has a 3 yr SOL on written contracts its been Three yrs the last payment made was XXXX XXXX and I am the only one being sued when there are two name on the buyers contract? Please what do I do I cant pay XXXX XXXX dollars for a truck I do not own.and its a very old repo
Product: Debt collection

I cancelled my auto insurance policy with XXXX as they unfairly raised my rates for an auto accident I wasn't even involved in. Additionally, there was no money paid out on any claims nor was I charged a deductible. They also raised my rate for a ticket I got around XX/XX/2019 and was a non-moving violation that should not have had any effect on my policy. I had XXXX for about 5 years and they have certainly made their money from me. Over thousands of dollars. Now they've sent me to this collection agency for {$150.00}. This is beyond belief!!! I absolutely will never pay this!
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I initiated 2 online money transfers via WU of {$2000.00} each, debiting my account at XXXX XXXX XXXX XXXX in favor of my wife in the XXXX. The amount of {$4000.00} plus fee of {$11.00} ( 2,000 plus XXXX XXXX ) was deducted from my account but, the money was never received by my wife. When I called WU, they explained that their Compliance Department stopped the transfer and that my account will be credited back. This never happened and I have sent various emails demanding the return of the funds. Until now which is almost 6 months, my money was still not returned to me. The funds came from our account at XXXX which was part of our retirement funds. I can provide documentation if needed. For identification purposes of the transactions, please quote XXXX XXXX and MTCN XXXX. 
Thank you. 
XXXX
Product: Debt collection

I was given a noticse and summons about a charged that was charged off my credit inXXXX it was sold to another company who filed a summons on a old case that was charged off they did not give me the paperwork until XX/XX/XXXX they filed the paperwork on XX/XX/XXXX which did not give me the proper time to answer to the notice and summons
Product: Debt collection

I have disputed this debt with ability recovery services, they have yet sent ant validation as required by 809. Validation of debts b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a )  unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 
I would like also to address that Ability Recovery services is in violation of Oklahoma laws as well, Oklahoma laws requires that a business such as collection company must register with the : Oklahoma Secretary Of States and/or have a registered agent - in which Ability recovery service has not and does not, Ability Recovery service can only collect, and do business in the State of Pennsylvania, IF Ability Recovery services would like I will bring these issue up in small claims court, I would not like to file in court but they are forcing me to, so to make clear if filing in court is my last option then I will, at this time cause I have dispute with out response several times I know can file in court the same as I have done against Account Resolution Services, please find there court case attached. I will Give Ability Recovery Services Until, XX/XX/XXXX to remove there trade line name before I file, but once I file I will let court make there decision, with no settlement option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureau to do a verification on my credit report. They did it and stated everything were accurate on them. However, i did a thorough research myself and find improper inaccuracies on my credit report even tough after they did, their verification. 
In accordance with the Fair Credit Reporting act XXXX  account # XXXX account # XXXX and account # XXXX, has violated my right. 

15 U.S.C 1681 602 A stated 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.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Inquiries XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX  XXXX : XXXX  - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX :
Product: Credit reporting or other personal consumer reports

" 15 U.S.C. 1681s-2 ( a ) requires businesses that provide information to credit reporting agencies to ensure the accuracy of the information they report, correct any inaccuracies, and notify credit agencies when information is disputed and found to be incorrect. ''
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Not reporting accurate information according to ( 15 USC 1681e ( b ), whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual to whom the report relates.
Product: Credit reporting or other personal consumer reports

I think that under FCRA 605B, we're obligated to remove any inaccurate accounts from my credit report. Could you check the documents? Some of the listed accounts have inaccuracies in terms of reporting, including incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit I've notice that I have been a victim of identity theft, several accounts appearing in my credit report that do not belong to, I'm requesting these account to be removed from my credit because they are no mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX are willingly and purposefully lowering consumers scores and affecting personal credit files. They have been found guilty many times for this fraudulent behavior. This has to stop. I had perfect credit history for 5 years and they dropped my score by 200 points for no good reason. How is the public sector supposed to pay into the system or finance anything with this corrupt fraudulent activities going on?
Product: Credit card

I am an authorized user in my husbands Macys in store and out of store account. Macys is due In the XXXX and XXXX XXXX on the XXXX. I made the Macys payment which was drafted and paid. When I went to make a payment on the XXXX XXXX on XX/XX/XXXX I accidentally paid the Macys in store account. I called Macys right away to ask them to reverse the payment. Customer Service told me that it could not be done since it was after XXXX. I did advise the payment was made before XXXX. I was told it would take 8 days and I advised money was needed to pay the XXXX XXXX. I filed a dispute with my bank. I provided Macys a payment it was not drafted. I also placed the XXXX XXXX on auto pay it was not drafted. Now we are been charged over account limit and late fees. Macys is messing with our credit. All previous payments made were drafted from same account. Now Macys cs refuse to answer our calls. My name is XXXX XXXX the account is under XXXX XXXX. My phone is ( XXXX ) XXXX. I will not pay Macys any late fees or overdraft fees. The money was available to them. Spoke to my bank was advised that Macys never presented the payment for drafting. I even called on XXXX XXXX to confirm my routing and account number for the XX/XX/XXXX payment and was told the information was correct.
Product: Debt collection

This company has filed a civil suit during a global pandemic. I was unaware of any legal actions until receiving a letter in the mail from a family member. the papers were electronically filed. According to the letter a judgement was ruled against me, without notice. My family members have been contacted and threatened that actions may be taken on them to leverage a response from me.
Product: Money transfer, virtual currency, or money service

Hi, my name is XXXX XXXX. This complaint is regarding Chase Bank. I was scammed by XXXX XXXX XXXX ( E-commerce dropshipping company ) by sending XXXX XXXX wire transfer of XXXX on XX/XX/2021. However, Chase bank did little to stop it : Before wiring money to XXXX XXXX XXXX, I did my due diligence to verify XXXX XXXX XXXX. At that time they were banking with Chase. I collected all the account info from XXXX XXXX and verified their business account with Chase. Representative from Chase said that its a valid business company, hence leading me to wire XXXX investment to XXXX XXXX XXXX XXXX did I know that XXXX XXXX is a scam. I have been trying to contact XXXX XXXX XXXX via text, emails and phone calls to no avail. I called Chase to recall the money from XXXX XXXX but they were not helpful. Their response was there was nothing they could do XXXX XXXX XXXX withdrew funds and closed their account with Chase after the wire transfer was made. How could Chase be so negligent and careless to transfer XXXX XXXX funds out and close their account after a big wire transfer was made. It should raise a red flag to Chase that something is wrong. I'm sure I'm not the only scam victim in Chase that had money wired to XXXX XXXX XXXX. And yet Chase proceeded with XXXX XXXX account closure and now Chase claims they can not recall funds. It's just pure negligence. I filed a separate complaint about XXXX XXXX XXXX on this site. 
I was also informed by different agencies that banks have fraud insurance to pay out clients who were victims of scam after investigation. In my case, Chase does not even want to help me out by tracking down where the funds of XXXX XXXX was transferred to. They don't even want to open up a claim with their fraud insurance to do an investigation. That is just pure negligence and carelessness on behalf of Chase. Please help me. I would greatly appreciate it. Thank You!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports : XXXX. 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. This has violated my rights under the FCRA. 
15 U.S. Code 1681a ( 2 ) ( a ) ( I ) states that the consumer report does not include information solely as to transactions or experiences ( such as payment history ), between the consumer and the person making the report ; XXXX. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that company does not have the authority furnish any of my private information relating a consumer to any consumer reporting agencies- XXXX, XXXX, and EQUIFAX. In each creditors terms and conditions, they all agreed not to share my information with non-affiliates. XXXX, EQUIFAX and XXXX are not an affiliate of XXXX. In pursuant to 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) Duty of Furnishers of Information ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( I ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 
Lastly, Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given XXXX written, non-written, verbal, and non-verbal per 15 USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

not getting any response after numerous request and disputes I am writing to request the method of verification for dispute initiated and the subsequent response received by you.Re : 1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 

XXXX Account Number XXXX XXXX Please remove it from my credit report.

2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX  Please remove it from my credit report.

Please send the following information used to verify the validity of items above. 

The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence ; Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) I demand removal.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

Sincerely,
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. 
Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : BANK OF XXXX XXXX XXXX, Account name : 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt or credit management

I contacted the company to fix the error they reported on my credit. The payments were made through a seller ; I would deposit the money, and he took care of the payments. They responded by saying that the seller no longer worked for them and that they couldn't help me.
Product: Prepaid card

i received a gift card, didn't use it for XXXX months opened it up and the numbers are scratched off and the back info is missing info. they used glue to cover numbers up.