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

This is a direct confirmation that I have tried for a number of times to find a resolution with this company in regards to fraudulent accounts and Inquiries they are reporting but to my surprise, this company still insist on reporting these fraudulent accounts & Inquiries even after providing detailed proof that I am a VICTIM OF IDENTITY FRAUD and DID NOT BENEFIT with anything whatsoever from these accounts & Inquiries. 

Fraudulent Accounts? 
1. XXXX, Account # XXXX 2. XXXX XXXX  XXXX, Account # XXXX 3. XXXX XXXX, Account # XXXX 4. XXXX XXXX, Account # XXXX Fraudulent Inquiries!? 
1. XXXX XXXX XXXX Date Filed XX/XX/XXXX 2. XXXX XXXX XXXX Date Filed XX/XX/XXXX 3. XXXX  Date Filed XX/XX/XXXX 4. XXXX XXXX Date Filed XX/XX/XXXX 5. XXXX XXXX XXXX Date Filed XX/XX/XXXX 6. XXXX Date Filed XX/XX/XXXX 7. XXXX Date Filed XX/XX/XXXX 8. XXXX Date Filed XX/XX/XXXX I still wonder why are you reporting, contrary to that law that states : Fraudulent accounts to be removed within 4 days from receiving proof. 

PLEASE DELETE ASAP This is my final intent to resolve since I have all the documents ready to file a lawsuit against this company. I first disputed this fraudulent account with them on XX/XX/XXXX but to my surprise, they responded by even duplicating some of the accounts and Affecting my credit score even higher than before my dispute. Yet another final time before the court of law, The following accounts are Fraudulent and require removal from my report : I am attaching : 1. My earlier Dispute letter to them 2.My FTC report
Product: Debt collection

I called on XXXXXXXX at approximately XXXX XXXX XXXX XXXX  and spoke to some XXXX  lady so I call back and ask for management and the lady told me theres no one to transfer to and that they would tell me the same thing and hung up on me if you are someone collecting a debt you definitely want be hanging up on anyone. Just rude I want more info before paying this unprofessional company. With only XXXX person to speak to.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX 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, 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, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681 1. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX. XXXX Account # XXXX 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : 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.
Product: Credit card

XXXX issued me an IRS form 1099C that was used to file my 2023 Tax return. Per the IRS rules and instructions ( attached ), the form is to be used to cancel a debt of over {$600.00} by a financial institution. 

However, XXXX is still trying to collect the debt from me and also reported the debt as owed to all Credit Bureaus. 

XXXX must be investigated by the CFPB since they were the only financial institution that issued me an IRS from 1099C even though I owe other credit cards issued by other banks that are late and are over {$600.00}.
Product: Credit card or prepaid card

I just needed to change my address. The bill says to call customer service or go online to change it. I called the number on the statement, XXXX-XXXX-XXXX-XXXX. I was required to listen to 5 minutes of automated advertisements asking me if I had a cell phone provider, TV provider, and a host of other topics requiring me to answer yes or know by hitting a number or pound. I finally got to a recording that says I can hold for a representative. The recording then immediately went into asking me cell phone questions if I have one yes or no. I didn't answer so it disconnected the call. How can I reach customer service? 

I then went to the website. I tried the forgot password link and it would not go on without my social security number. I don't want to enter than on the internet. Then, I tried to set up another account and it again requires a social security number and date of birth. I already have a card. These excessive processes put my identity at risk. I still can not reach customer service to change my address and have lost confidence in this company. It all feels like an advertising scam.
Product: Debt collection

There are XXXX accounts listed by XXXX XXXX on my credit report that the company has failed to verify and provide purchase agreements and validation of debit
Product: Debt collection

ATTENTION CREDIT REPORTING AGENCIES, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX CONSUMER SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, This item was purchased by a third party debt collector.

Midland credit management these items are misrepresentation of the debt.

Debt collectors may not falsely represent the character, amount, or legal status of a debt.

This is a violation of the fair debt collection practices act.

I would like this information removed from my credit report.

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a dental debt that have been referred over to Professional Finance Company Inc. - I have filed a complaint to dispute the debt with the Iowa XXXX XXXX and they can take up to six months to complete the investigation. The collections agency said the will be reporting to credit agencies in XXXX which doesn't give enough time to resolve the dispute. I do not want to affect my credit but also do not want to pay and that would be acknowledging the debt. The account number is XXXX. How do I make sure this doesn't get reported to credit score agencies?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a boy friend who was living with me on and off since XXXX he ended up not being who I thought we was he has been opening accounts in my name since XXXX I was in aware until XXXX of XXXX when everything started to unfold he stole my car and wallet and my info trying to to escape when I found out about all the frauds acts he has been committing in my name I also found out that he was living under a stolen identity his name who he told he was.. was not accurate he was paying on some one the loans and credit cards in my name as of they belonged to him the fraud accounts be opened were XXXX XXXX in the amount of XXXX he opened XXXX XXXX XXXX XXXX in the amount of XXXX and XXXX both of XXXX XXXX cards are closed and he opened XXXX XXXX in the amount of XXXX $ there are also numerous inquires in addition to launch serving account being fraud the payment history is way off on different credit accounts which furthermore proves fraud attached will be my police report and in accurate credit reportings Thug had caused a dimise in my credit on XXXX Equifax and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract. FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested.
It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : XXXX XXXX XXXX No account # listed Bal {$270.00} XXXX XXXX Acct # XXXX Bal {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Experian was XXXX XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

I was approved for a store card that was distributed through Comenity bank. I was notified in the store that the physical card would be mailed in 7-10 days. However, it has been 2 months and I have not received any mail regarding my balance or the card. I made a phone call to their customer service and they have charged me late fees for a card I did n't have nor received any information about. They have also started to make collection calls even though I just closed the account about 20 days ago.
Product: Debt collection

I been dealing with a XXXX XXXX. Every time I have talked to her she was very aggressive and mean. She has threatened to take me to small claims court. I have been trying to make payments online but will not let me. And she kept saying I can pay over the phone if I give her my card information or banking information which I am not comfortable doing that because I dont know who this person is. I got a letter in mail asking to set up a payment plan. Which I already did but they only pulled two payments. Every-time I have talk to her and I asked her if I can talk to a manager and she refused and would not let me. I even asked her to email me for communication which she does have my email. But refused to do that and still tries to call me. I asked if she will stop calling me and email instead because its a lot easier when I am at work. I cant be answering personal calls when I am working.
Product: Credit card

I had written XXXX XXXX about my credit card issues. I wrote them to discharge my credit card by sending them a billing error in the amount of {$3900.00}. Once the letter was received XXXX XXXX closed my account. I proceed to get a XXXX XXXX XXXX done and to find out that they have been selling my securities to a third party, made over XXXX XXXX dollars off my securities and would have the nerve to say I owe them money for an open-ended consumer credit card? They'd took my application, then securitized it in their Trust Account be the way that I don't even have a contract with violating the SEC. Then once securitized was sold to a third party. They have violated my consumer rights as well.
Product: Debt collection

The company did not provide any information that I owed the debt. Zions Debt Holding provided NO credit application and NO contract with my signature. I had NO CONTACT with the company who originated this debt ( XXXX XXXX XXXX ) and I provided NO information to open the debt. There are no credit inquiries on my credit reports and no personal identifying information associated with the debt. No account has been reported to the bureaus. Zions reported the debt with NO PII. Zions provided no PII to validate the debt, no application, no signed contract, nothing. T The debt was created on a rented property that I own. The property is a Federally regulated property rented to a low income senior ( XXXX ) XXXX man. The original debtor 's representative ( XXXX ) used unfair and deceptive practices to obtain my name as the owner of the home. The tenant has taken full responsibility for the debt, does not have my PII and NEVER provided anything other than my name. If Zions or XXXX have any PII it was obtained fraudulently and illegally by the debtor! The debtor has illegally opened an account in my name.
Product: Credit reporting or other personal consumer reports

Subject : Hardship Letter and Dispute for Unauthorized Accounts XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX XX/XX/year> XXXX  XXXX Dispute Department Dear Sir/Madam, I, XXXX XXXX , am writing this letter to address a matter of utmost importance regarding unauthorized accounts opened in my name. Due to a recent XXXX that has left me XXXX XXXX XXXX, I am unable to communicate verbally and can only correspond in writing, preferably through email at XXXX or by postal mail. 

In accordance with your instructions, I have filed an FTC complaint with the reference number # XXXX. I am seeking your immediate assistance in removing my information from XXXX XXXX records, as I did not authorize the opening of the following accounts : 1. Account Number : # XXXX 2. Account Number : # XXXX ( Business Card ) Of particular concern is the business card account, as I am not aware of any company associated with it. These accounts are currently in collections, compelling me to consider the unfortunate option of bankruptcy. 

I believe my identity was compromised while I was employed at XXXX XXXX and may have been used by individuals named XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I kindly request a thorough investigation into this matter. 

For further communication, please reach me via the provided email or postal mail address. 

Thank you for your prompt attention to this matter. 

Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act SELFXXXX XXXX account number:XXXX has violated my rights. 

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT IS ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACOUNT INFORMATION WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Product: Credit reporting

TransUnion is reporting my XXXX student loans multiple times as closed accounts, transferred accounts & delinquent accounts giving a false total of XXXX bad accounts. Their newest reporting caused my credit report to dive by XXXX points in 30 days. In truth, the XXXX accounts have been transferred to a new company & are all in positive standing. They are also reporting different spellings of my name that need to be removed ; I have never requested credit under the other variations. TransUnion has been doing this to me for yeeeeeeeeeeeaaaaaarrs. I 'm pretty fed up with their unfair reporting.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act Account # XXXX, XXXX XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have the rights 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

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is my new letter that I was the victim of fraudulent activity. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are fraudulent : Experian XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX AUTO Date Opened : XX/XX/XXXX XXXX Balance Owed : {$26000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXXXXXX XXXX  Date XXXX XXXX XX/XX/XXXX XXXX XXXX Owed : {$26000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXXXXXX XXXX ) XXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged fraudulent activity. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit 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, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to 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 Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/2020
Product: Debt collection

I went to XXXX XXXX XXXX XXXX, they have a XXXX company called XXXX XXXX XXXX who state sending you bills. I have about XXXX coming in. My ex-employer through Discrimination forced me out of my job. My father and XXXX was giving me money to pay my bills. So I can go to the bank and show the checks where I was paying what I could to them. I was paying {$20.00}, {$5.00}, {$3.00}, what I could. They decided to take the time of service off the bills and put current dates on it and stop sending my bills and immediately sent them to collections while I was paying on them. They are XXXX dates from as for back as XXXX and I have asked for date of service, they will not provide it. The statue of XXXX XXXX XXXX is XXXX years and these are well over XXXX years but by fraud they have put a current date on. I can not afford a lawyer because I can show I was paying what I could didnt miss a payment and they sent it to collections. 
I have contacted the XXXX XXXX XXXX  about this XXXX XXXX XXXX and the illegal billing needed to be investigated and they wont do anything. 
The other example of fraud is LVN, I have contacted the Credit bureau that this is a XXXX XXXX XXXX zombie, I havent had an account with XXXX in XXXX  years that they took the dates off all the documents that they can go to XXXX and see date of service I havent had this account since XXXX but they put current dates on it trying to collect a XXXX debt and its XXXX XXXX XXXX. XXXX of limitations is XXXX  years here in XXXX I want to file a lawsuit as I am a XXXX woman, who is being harassed because I have notified these creditors and the Credit Bureaus about their fraud and scams and I will have to get a lawyer because they are still harassing me. Ive told them to cease and desist. The XXXX doesnt cater to frivolous lawsuits over XXXX  debt that is over XXXX XXXX XXXX and the statue of limitation in XXXX XXXX 4 years. I will go to court with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, & Equifax violated my rights as a consumer pursuant to 15 U.S. Code 1681b. I did not submit written consent to these agencies for them to furnish a report. These agencies can not provide me evidence of a written consent. I contacted XXXX on XX/XX/XXXX and XX/XX/XXXX via calling to get everything on the profile deleted. They ignored my request and told me they could not delete my account. I asked them to produce documentation showing my written consent and they said they have no evidence of my written consent but still would not delete the profile. I contacted XXXX on XX/XX/XXXX via calling and told them the laws they violated and the agent disconnected the call. I attempted to speak with Equifax but the call never connected me to an agent. As a consumer I feel extremely violated.