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

Complaint Against XXXX XXXX XXXX Improper Credit Reporting After Divorce I am submitting this complaint against XXXX XXXX XXXXXXXX XXXX XXXX  ) due to their continued misreporting of an auto loan on my credit file, which is no longer my financial obligation under a legally binding divorce decree. 
The auto loan in question, account number # XXXX. However, following my divorce in XX/XX/year>, the vehicle and its associated loan were legally awarded to my ex-husband as part of the court 's ruling. From that point forward, he has been the sole party responsible for this debtNOT me. 
Despite this, XXXX continues to report this account under my name, causing severe financial harm. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that creditors must accurately report account responsibility. 
Harm Caused by This Violation : My credit score has dropped between XXXX and XXXX points due to this error. 
I have been denied financing for my own vehicle because of this wrongful reporting. 
This has caused me substantial financial hardship and distress, all due to XXXX negligence. 
To make matters worse, my ex-husband recently totaled the vehicle, and while his insurance covered the loss, there was a waiting period before his gap insurance kicked in. During this time, no payments were made, resulting in further late payments being reported on my credit file. However, his failure to make payments is not my legal responsibility under the divorce decree, and XXXX has no right to continue holding me accountable for a loan that is not mine. 
Immediate Demand for Resolution : Remove this auto loan account from my credit report immediately. 
Cease all inaccurate reporting to the credit bureaus regarding my responsibility for this loan. 
Provide written confirmation that my name has been fully released from this financial obligation. 
Final Warning : If XXXX does not correct this issue immediately, I will escalate this matter to the Office of the Comptroller of the Currency ( OCC ) or the Federal Deposit Insurance Corporation ( FDIC ), one of which is your financial regulator. These agencies do not take violations lightly and impose heavy fines on lenders who fail to comply with legal obligations. 
You can either resolve this now, or you can explain it to federal regulators. The choice is yours
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXXXXXX XXXX XXXX  Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX  XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX FL XXXX XXXX ) XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance XXXX {$2000.00} 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 XXXXXX/XX/XXXX
Product: Debt collection

I have been receiving multiple calls per day, up to 14, several times an hour, some with 'Portfolio Recovery ' in the Caller ID, the others showing as 'Unavailable ' or from a multiple of states and numbers.. 

The 'Unavailable ' and multiple states/ numbers phone calls are actually from 'Portfolio ' as I have been answering the calls at various times, and the callers states that they are calling from 'Portfolio '. 

Despite repeatedly requesting any documentation regarding the debt, I have yet to to receive any correspondence. I was advised by the company, that they 'do not communicate via mail ' and 'all matters were handled through telephone '. 

I have repeatedly requested that they do not call multiple times each day, or to please record a message on my answering machine. I have been told that they are 'unable to leave any messages regarding the matter ', despite previous instances of messages being left. The usual format that they follow with the repeated phone calls is to wait on the line until the machine answers the call, proceeds through entire recorded message and then 'beeps ' to indicate recording period. They then hold the line for several seconds and then hang up.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit reports and I noticed XXXX, XXXX and Equifax furnishing accounts on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 
List of accounts to be deleted : 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 The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of acredit cardor similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.
Product: Debt collection

Eastern Account System is a deb collection agency. They are reporting a debt of {$260.00} to my credit report. I am not liable for this debt of {$260.00} that this company is trying to collect. I also do not have a contract with this credit collection agency. After XXXX attempts of asking Eastern Account System to provide me with the original purchase agreement, the company failed to do so every time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX  XXXX Balance : {$190.00} MEDICAL XXXX Balance : {$140.00} MEDICAL XXXX Balance : {$170.00} MEDICAL XXXX Balance : {$100.00} MEDICAL XXXX Balance : {$130.00} MEDICAL XXXX Balance : {$89.00} MEDICAL XXXX Balance : {$160.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$310.00} XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2019, three separate PNC checking accounts were opened fraudulently in my name and fraudulent checks were deposited. Those accounts were subsequently closed by PNC bank and PNC bank proceeded to report the fraudulent activity to XXXX XXXX XXXX as fraud on my part and not the act of fraud by deception and/or identity theft from a third-party.
Product: Credit card or prepaid card

On XXXX/XXXX/2017, I received an email message from Best Buy stating that I made a purchase that I did not make. About 5 minutes later I received an email stating the order was canceled. I called Best Buy and the order was correctly cancelled, but obviously my account was compromised. I change the password to the account and they canceled the card and are sending me a new one.  However, I was encouraged to still file a report and to also report to law enforcement.
Product: Credit card

I received an advertisement from Discover Credit Card approximately three weeks ago. I do n't remember if it was in the mail or via email. It advertised a low interest and zero cost balance transfer from another credit card. So, in part of the online application process, I included balance and account info from the other credit card company, so if approved Discover would automatically transfer the balance. The screen then switched to another menu and I was informed that I was not approved for the special rate. I was asked if I wanted to open the account anyways. I said yes, and opened the account. 
I want to be very clear, at no time was I offered any information about a balance transfer under a different offer. I was completely under the impression that I received a new credit card account, and that was it. I was not told about a new modified from original offer for a balance transfer, fees or rates. 
I received my new credit card and activated the card and set up on line access. They offer a service where you get text messages whenever something happens with the account, I activated this feature. 
A few days later, I received a text message, letting me know that Discover had authorized a balance transfer. I immediately called. They stated that they understood, but the transfer was already in process and they could not stop the payment, their adivce was to contact my other CC company and have them refuse payment. I then called my other credit card company, and they said there was nothing they could do, the money would come electronically. Their advice was to call back to Discover and have them stop payment. I re-contacted Discover and asked them again to stop payment. I was informed at this call, to wait until the money was transferred, and finalized and then call them back and they would fix it. I then called Discover on XXXX/XXXX/2017 and spoke with a rep named XXXX. He was empathetic, but that 's it. I was told the transfer stands, there was nothing they could do about it, my only option was to contact back to the other CC company and request a balance transfer back to the other account. 
I was stuck with the almost {$70.00} in transfer fees and a much higher interest rate than I was previously paying. I asked if they would at least remove the balance transfer fee. I was told no. I asked for a lower interest rate. I was told no. 
I would not have approved this balance transfer if given the option. I 'm paying a higher interest rate, plus fees to transfer. I was only interested in the " teaser '' advertised rate, of no fees and low interest. During the application process, I was not given a choice, nor told it would transfer anyways with the different approval IE higher fees and rates. I was told there was nothing they could do, or were willing to do, I was stuck.
Product: Debt collection

This company will contact me and let it go by the way side for several months then they will contact me then let it go by the way side. The debt is invalid because it happened way beyond the statutes of limitations, but they continue to call and harass me. The woman on the other line was vile, unprofessional, and inappropriate over the phone. She called me a thief, told me to pay my bill, and that there is no way I was able to speak to an upper management at the company. She obviously get 's her XXXX at upsetting peoples day. I was at work and have a family to provide for. This is complete XXXX, and hope they get their license pulled. I will pray that the people at this company find a better way to make a living, no one deserves this treatment. Period.
Product: Credit reporting or other personal consumer reports

I filled out a retainer for XXXX XXXX law firm in XXXX. I signed a retainer and was not pleased with how they were handling my case or lack there of. Every couple of months they gave me a new lawyer for my case and they never provided any discovery for the case. The original retainer was supposed to be prepayment and once they have fulfilled the services a new amount would be sent. This took place XXXX because once they emailed me that it was getting close they requested another retainer amount. I was so displeased with their service and how a new lawyer yet again was placed on my case calling my daughter XXXX when her name is in fact XXXX let me know how much my case was being mishandled. I submitted a XXXX review and the owner XXXX called my phone to try to negotiate me removing my honest review for me to get what they were going to charge me removed and start an entirely new fixed rate retainer. I was hesitant because I truly felt they were mishandling my case but I wanted to save the {$5000.00} that they were going to charge me for my next payment of the retainer. Upon getting an email from lawyer XXXX that if no payment was made to stop working on my case, I provided an additional payment to have them finish my case. I then paid an additional {$2000.00} totaling {$14000.00} just to have an incompetent lawyer show up to my hearing with zero knowledge of what he was supposed to do. I dis not get an opportunity to even speak at the hearing that I called because he said it was not necessary. Fast forward to my case being done and they sent me a bill for $ XXXX plus. I was outraged and disgusted and told them they need to refer to XXXX as well as the retainer and the email because there should not be any money at all owed to them. They sold my made up bill to Caine and Weiner and they have been calling me nonstop about a bill I do not owe. In fact I should be refunded because they did not uphold their side of getting of our agreement or produce any discovery at all. I provided all information and they did not submit it to the courts or provide my income and bills that were sent to them as proof. I also want to put on record that asking someone to remove a legitimate XXXX review or " pay '' or compensate them is illegal.
Product: Credit reporting or other personal consumer reports

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

15 USC 1681 Section 602 A states i have the right to privacy.

15 USC 1681 Section 604 A section 2 states consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 Section c ( a ) ( 5 ) 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 7 years XXXX XXXX Account Number # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX Account Number # # # # # # XXXX XXXX XXXX XXXX Account Number # # # # # # # # # # # # # # # # # # # # # #  XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX DEPT OF ED/XXXX  Account Number XXXX  XXXX XXXX XXXX XXXX, XXXX Account Number XXXX XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX  XXXX XXXX Account Number XXXX
Product: Debt collection

Did not know I had this debt. It resulted from a office visit in XX/XX/XXXX. I received one bill, called the XXXX office, spoke to XXXX - was told she will call me back as she had to look into the bill. Called two more times to front desk - was told it was taken care off so I didn't worry about it as I thought they wrote it off as my entire bill ended up at almost $ XXXX. That was in XX/XX/XXXX. I just found out it was reported so I called the debt collection MEADE RECOVERY agency IN XXXX, UT XXXX XXXX XXXX XXXX XX/XX/XXXX @ at XXXX MST. XXXX, a CSR answered and i asked to please speak with a supervisor. He assured me that he was a supervisor. I told him that I don't believe him as supervisors don't answer the phone. Two more times he said he is a supervisor then admitted that he is not. 
He was misrepresenting and lying to me and that is a gross violation. That credit agent has never contacted me to give me a chance to make things right. Lying to customer is a CFPD violation and want this company investigated. 
The bill is about {$330.00} and I want this taken off my credit report if I pay the bill.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email from Paypal letting me know I was being mailed a debit card to provide instant access to my Paypal account. As I almost never use Paypal, I assumed this was a scam and quickly dismissed the email. Two days ago, on XX/XX/XXXX, I received a follow up email letting me know that they had just mailed me a card. Angry, and confused, I researched online and found that others, dating back to 2019 have complained about this same issue. Not once did I give any sort of confirmation, or even hint, that this was something I was interested in. I am disgusted, and scared, that a company can open a debit card line in my name, opening myself up to fraud and potential hacking. I reached out first by phone, but their complaint department is closed due to Covid, so followed up online where all I was directed to was a mailing address for their legal headquarters in XXXX XXXX. I am writing this message in hopes others aren't targeted by this and potentially change how ever it is that they are allowed to do this, which I feel should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to TransUnion result of their non-compliance to my request and for their refusal of getting the accounts and inquiries, listed below, to be removed or corrected from my credit reports. However, that complaint was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these accounts and inquiries or have TransUnion get back to me with regards to the issue. Here are the accounts and inquries that concern me : XXXX XXXX XXXX XXXX Balance {$23000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$14000.00} XXXX XXXX XXXX XXXX XXXX Balance {$3900.00} SET XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$2700.00} XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX  - CPO Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry Date 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 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
Product: Credit reporting or other personal consumer reports

Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
Product: Debt collection

On XX/XX/24 SYNERGETIC COMMUNICATION put a collection on my credit report saying i owe a debt of XXXX which i do not owe. The original creditor XXXX XXXXXXXX XXXX XXXX I do not owe any debt to them at all
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, XXXX, & XXXX Im writing this letter in regards to XXXX XXXX XXXX on my credit report, 15 USC 1681i ( 5 ) specifically states ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

The reporting agency has reported inaccurate information on my credit report from XXXX XXXX XXXX which I will state below : - My full name is incorrect - My Date of Birth is incorrect - My current address is incorrect - My previous address is incorrect - My employers are incorrect - My also known as is incorrect - My former is incorrect - Account # is incorrect - Account type is incorrect - Bureau code is incorrect - Account status is incorrect - Monthly payment is incorrect - Date opened is incorrect - Balance is incorrect - No. of month terms is incorrect - High credit is incorrect - Credit limit is incorrect - Past due is incorrect - Last reported date is incorrect - Last payment date is incorrect - Last 2 years of payments are incorrect Sincerely, XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My right Are been violated in many ways AND THIS IS ONE OF THEM. 

15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGTH TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH OUT MY WRITTEN INSTRUTIONS.