23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There is information that on my consumer report is result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting of this information be blocked and deleted. 
My request to block is not being made in error ; nor is my request to block and delete such information made on the basis of a material misrepresentation of fact by me relevant to the request to the identified transaction. The identified transaction are not information related to any transaction by me as a consumer. 
XXXX. Acount name : XXXX XXXX Account number # XXXX XXXX. Account name : XXXX. Account number : # XXXX XXXX. Account name : XXXX XXXX XXXX. Account number # XXXX XXXX. Account name : XXXX XXXX XXXX. Account number : # XXXX XXXX. Account name : XXXX XXXX XXXX. Account number : # XXXX XXXX. Account name : XXXX XXXX XXXX. Account number : # XXXX as well as the following inquires XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under XXXX XXXX Code XXXX Block of information resulting from identity theft I demand this information to be block and removed from my consumer report with in 4 days from the date of receipt of this notice. 
added FEDERAL TRADE COMMISSION identity theft report # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Consumer Loan

i purchase a vehicle from ally financial the total of the car {$9300.00} without taxes and interest added so after everything was added i finance {$10000.00} for the car it self and then it was {$2500.00} added for finance charges for the 48 month loan which brought my debt to {$13000.00}. paying {$280.00} a month for 24 months which totals the {$13000.00} ... now my issue is that my car got totals 19 months in have the loan.. so the insurance only paid off {$6600.00} the blue book value.. and after what i paid i got a bill in XXXX XXXX saying i owe them XXXX balance and at that time i was told my next payment was n't due until XXXX XXXX because they calculated the payments as advance payments.. but they did issue another bill in XXXX fixing the error saying my next bill was due in XXXX XXXX for {$280.00} prior before that on XXXX XXXX XXXX i start paying them {$15.00} a week just to be paying towards the bill so now i have paid about {$200.00} towards that bill, so i call in so they could subtracts what i had paid so far but they act like they had n't got any payment from me, so i kept paying up until XX/XX/XXXX because they would never acknowledge my payment so i stop paying them after reading my contract say my payments could be cheaper if my car got paid off early, so i inquire about that, but they would n't give me no information on that ... my contract charge me {$2500.00} for 48 months so if i paid it off in less then 24 month i should n't have to paid the full interest, they should 've have gave me a paid balance subtracting some of the interest, how can they still charge me for the 48 months interest when the car is almost paid off plus they where charging me a daily interest as well they said, i have all my receipt could you please inform me if they can continued to charge me for the full interest if i paid them off early, plus they have not subtract what i been paying weekly, i sent then a copy of my bank statement showing what they where taking out my account.. please help they are robbing customer taking extra interest from customer ...
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX, I filed a dispute with Experian, XXXX and XXXX about the inaccuracy being reported on my credit report of the account XXXX XXXX XXXX XXXX  account number XXXX. There are XXXX different high balances being reported. {$31000.00} on XXXX and experian, but {$22000.00} on XXXX. How is this even possible when you're supposed to have the same accurate information reporting according to the FCRA. I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureaus in several months.after numerous attempts. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these bureaus about this inaccurate account as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Personal Solutions ( https : //facta.equifax.com ) does not have my current name listed correctly. My current name is listed within the " Formerly known as '' section rather than in the " Name '' section.
Product: Vehicle loan or lease

XXXX or XXXX weeks ago I requested from Upstart XXXX XXXX to voluntary return the car to them. The representative on the phone said they will send out a form to get the process started and to set up when the car will be pick up. So far I have not received a form from them. They have however continue to report late payment on the auto loan on my credit report. I have been trying email and call but I have not gotten any more results.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX and Equifax for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX RADIUS GLOBAL SOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious RADIUS GLOBAL SOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a bank account and was denied with the reason I am in chexsystems. I had no idea i owed a balance as I reported fraud on the bank account. Bank of america is incorrectly reporting an account balance of {$290.00}. BofA is known for fraud and my account was attacked.
Product: Checking or savings account

I closed my XXXX  account on XX/XX/year> and after had 6 charges on my current debit card. I didnt not authorize those transactions since my account was closed and disputed them to receive my funds back. Current denied my claims and refused to give me details on how they came to that conclusion on my disputes.
Product: Credit card

I've recently paid for my credit reports and reviewed the information provided by you. I've identified numerous inaccuracies in my credit file. The listed accounts were not opened by me, and I did not benefit from them. Additionally, these unauthorized accounts and inquiries were initiated without my consent or knowledge. I neither opened nor gained any benefit from these accounts, and I did not authorize anyone else to do so. It's crucial to rectify these inaccuracies promptly. 


They are being listed as follows : ( Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

WCS Lending, a mortgage broker in XXXX and Florida, led by broker XXXX XXXX filed fraudulent loan applications on loans submitted to various banks in order to collect a commission for the company. He also obtained what is known as a yield-spread premium from various banks in order to enrich himself and WCS Lending which knew of his operation.

He had been instructed by borrowers to only obtain no-income, no asset loans which were being offered by banks but which still required that the information on these " stated-stated '' loans be accurate -- which was never brought to the attention of the borrowers because all of the application information was fraudulent. Again, with the knowledge of WCS Lending. 
XXXX XXXX filled out mortgage applications with fictitious information in order to obtain numerous loans which was completely fraudulent. 
When the XXXX County District Attorney 's office contacted him, he blamed the borrowers and denied any wrongdoing. 
Subsequently, the D.A. was prosecuted and imprisoned. Nothing happened to XXXX and WCS Lending is still in business. It is a fraudulent operation which has relocated XXXX XXXX to Florida where he still works for the company. 
Borrowers went to prison for the D.A, 's Vindictive prosecution and WCS has never paid a price for their duplicity, fraud, or illegality.
Product: Credit reporting or other personal consumer reports

Credit report {$XXXX} past due as of XX/XX/2024. This debt does not belong to me. 
15 USC 6802 15 USC 1692 ( g ). Debt is not validated. If it is not removed immediately from all my credit reports XXXX, XXXX and XXXX, I will take legal action
Product: Debt collection

I am unaware of this debt! I am XXXX XXXX XXXX XXXX 
I didn't have the opportunity to dispute this information! 
If you believe that you gave me the proper notification, please send me the certified receipts with my signature on them!
Product: Credit reporting or other personal consumer reports

XXXX is dishonestly conducting business, after disputing and verifying the same accounts with the same information with the other two companies ( XXXX, and Equifax ) my credit was on track to be completely restored to my once perfect record. However they did not delete one single thing, they actually added accounts that werent previously recorded, so some how I decided to go back to XXXX after switching from my current service oXXXX XXXX XXXX XXXX  and I apparently owe the XXXX for WHAT.?? I give them my Identity theft FTC report, and they say nope not not good enough and deny ALL my disputes which for the most part have ALL been deleted from all other Companies moving me from a XXXX to XXXX in two months, and with XXXX playing their games its heading backwards. For accounts that ARE NOT MINE.!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The account ( XXXX ) is showing on my consumer report as a charge-off. It is illegal to furnish income on a consumer report. A charge-off according to the IRS is income, and you must file a 1099-C. As it stands, I have not received a copy of this form. Remove this information from my consumer report immediately. 
My rights as a consumer are protected under Title 15 Chapter 41. 15 USC 1601 highlights the consumers informed use of credit. At the time that I entered this alleged consumer credit transaction, I was uninformed and did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your companys lack of full disclosure.
Product: Credit reporting or other personal consumer reports

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$9500.00} ; XXXX XXXX Balance : {$1400.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/2023 ; XXXX XXXX XXXX.
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 Account Number XXXX, XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXXXXXX Account Number XXXX, XXXX  XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number 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, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XXXX  Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union : XXXX XXXX XXXX Acct : XXXX Inquiries XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 All of these accounts and inquiries are fraudulent creditors agreed to remove please remove.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to bring a serious issue to your attention regarding a recent incident involving an ATM deposit at [ Bank Name ] on [ Date ]. I, XXXX XXXX, deposited a significant amount of {$6800.00} during my lunch break, but the machine only credited {$2.00} to my account. This is an alarming discrepancy that requires immediate attention and resolution. 

Upon making the deposit, I noticed the discrepancy on the ATM screen and attempted to obtain a printed receipt to document the issue. Unfortunately, the machine failed to provide a receipt despite my repeated attempts. Understanding the urgency of the matter, I promptly contacted [ Bank Name ] to report the problem. 

During my conversation with a bank representative, I was assured that a credit would be applied to my account today. However, to my dismay, the credit has not materialized as promised. Given the substantial amount involved, I find this delay and lack of resolution deeply concerning. 

I kindly request your assistance in investigating this matter thoroughly. I implore you to take immediate action to send someone to inspect the ATM machine in question, as it is crucial to determine the cause of the discrepancy and ensure that it does not happen to other customers. 

I have diligently followed the necessary steps by contacting the bank and providing them with all the pertinent details, including the date, time, and location of the incident. Despite this, the issue remains unresolved, and I am left without answers or a resolution. I believe your intervention is necessary to rectify this situation promptly. 

Enclosed with this letter are copies of any relevant documents, such as my bank statement showing the discrepancy and any written correspondence exchanged with the bank. Additionally, I have kept a detailed record of my communication with the bank representatives, including their names, dates, and times of contact. 

I, XXXX XXXX, am deeply disappointed and concerned about the handling of this matter, as {$6800.00} is a substantial sum of money. I trust that the Consumer Financial Protection Bureau will take this complaint seriously and ensure a fair and swift resolution. 

I look forward to your prompt attention to this matter and a favorable resolution. Please do not hesitate to contact me if you require any further information or documentation. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

I never went to a hospital or clinic in  XXXX , California.My identity was used by someone and I was n't aware until I checked my credit.There is a collection on my credit with  XXXX ,  XXXX ,   XXXX   for {$250.00} and collection is hurting my credit.My credit scores are in the mid  XXXX .
Who use my identity to get credit or be admitted to a clinic or Hospital.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX have been notified that I am a victim of Identity theft, that my PII was leaked by multiple data breaches. FTC Identity Theft report has been provided to Experian, XXXX and XXXX. All XXXX CRA 's have failed to conduct proper reinvestigations prior to assembling and providing inaccurate information on my reports regularly. All XXXX CRA 's are unlawfully reporting fraudulent accounts under " XXXX XXXX, '' '' XXXX, '' " XXXX, '' " XXXX XXXX XXXX, '' " XXXXXXXX XXXX XXXX '' with incomplete information and are failing at providing the substantial proof of these accounts. All XXXX CRA 's have caused me great harm in relying upon the information of Identity Thieves and other bad actors and are failing to protect me as the consumer yet they're capitalizing off the use of my Personal Identifiable Information. I revoke prior consent for XXXX, Experian and XXXX to use my PII data. ALL CONSUMER REPORTING AGENCIES must delete the fraudulent information and provide a copy for my approval until the credit report and score is full, complete, and accurate.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXXXXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # 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 an account without my written instruction.