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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following:XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXXXXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance : {$540.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$2500.00} XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX, XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX - XXXX Inquired on XX/XX/2XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone opened an account without my consent and paid for home security stuff from XXXX XXXX XXXX and when I pulled up an account other persons name was under that account but he said he didnt recognize it. The bank name is Fortiva.
Product: Money transfer, virtual currency, or money service

I got an email from Xoom a XXXX money transfer service on XX/XX/XXXX XXXXXXXX XXXX, that there was XXXXXXXX XXXX transfer - ( Transaction # XXXX } made to XXXX to someone unknown to me. 2 minutes later I got another email that the transfer is complete. I checked the transaction history and found unauthorized transaction and called customer care immediately and reported. They did not stop the transaction even though the site says the transaction can be cancelled with 20 mins. I did not find cancellation button either as per the site. I raised a claim and they said they take 10 days for investigation. I also called my local XXXX XXXX XXXXXXXX and placed freeze on my account before the fund were withdrawn. 
Xoom kept trying to bill my XXXX XXXX XXXXXXXX account with XXXX $ multiple times as my bank kept rejecting it after 2 days. They also sent debt collection notice. Few days later they denied the claim saying my IP address was used on the transaction. 
I never authorized the transaction and I dont know the recipient. I also never got any communication when the recipient was added to my account. I did not get OTP for adding the new recipient. There should be more security measures in place to aviod scam or fraudulent transactions, Cancellation or holding the transfer should be in place incase of suspicious activity. I should not be responsible for this scam when I did everything I could to stop the fraudulent activity.
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 this 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 XXXX XXXX XXXX XXXX
Product: Debt collection

At XXXX XXXX on XX/XX/2021 I received a call from a number I wasn't familiar with. The lady on the phone asked for me by name. I asked wgo she is and where she was calling from..she gave me her name but no business name ... she wouldn't give me the name of her business..she just kept asking if I was XXXX. She even insisted that they have spoken with me before..I asked a THIRD TIME for the company name ... at this point I told the representative that when asked the name of her company, she HAS to give me the name. She then said " nevermind '' and hung up on me ... I called the number back and the answered buy a different name then hci ... I talked to a rep and explained what happened and told her its and fdcpa violation and she snickered like I was wrong ... I asked for their dept that handles these types of violations and the said they have no such dept..and they have no ways of handling these types of complaints. I have called them several times to ask them how the handle these violations and none of their reps can answer me other than giving me another number to call to speak to a " manager '' ... I am appalled that there are collection company still allowed to break with the fdcpa laws..and have no repercussions ... something needs to be done here..this is completely illegal behavior..THEY DID NOT SWEAR AT ME ... but I selected the 'communication option ' as they broke the law by not giving the name of their company when asked three times and hanging up on me
Product: Vehicle loan or lease

Two bill payments sent from my XXXX account to BMWF have not posted as of today, XX/XX/XXXX. The payment amounts of {$100.00} and {$68.00} were scheduled to post today, XX/XX/XXXX, according to XXXX. Previously, a bill payment in amount of {$50.00} did post on time, delivered on XX/XX/XXXX, did not post until XX/XX/XXXX. I've spoken with BMWF rep, was advised there is an issue with bill payments posting, it does not appear the issue was fixed.
Product: Debt collection

On X/XX/2017 I reached out to XXXX XXXX ( Incident XXXX ) notifying them of my repeated attempts to correct their billing errors. I downloaded and printed the XX/XX/XXXX bill that reflects an incorrect billed amount as well as incorrect names on the bill. Only my name should be on the bill as is shown on my written contract. I provided a copy of my contract and details of their errors and received a response from XXXX XXXX in writing on X/XX/2017 clearly stating that everything is correct and notification that I will receive a late fee if they do not receive my payment in full by the due date. Since they did not wish to honor their written contract, I was forced to cancel services. Also made it clear that I was up-to-date ( clearly shown on last bill ) and would owe no monies due to their lack of interest in honoring their contract and immediate cancellation prior to their next bill. I called XXXX XXXX today and was notified they placed my account ( with the aforementioned known billing errors ) into collections with XXXX XXXX XXXX. If XXXX XXXX XXXX XXXX does n't immediately clear up this matter, I will contact FTC and immediately file suit through Consumer Fraud Legal Services. Thank you.
Product: Debt collection

XX/XX/XXXX to XX/XX/XXXXXXXX XXXX  XXXX XXXX # XXXX Nothing was done to fix the problem with XXXX or Transunion LLC
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Equifax Credit Bureau is required by law to remove & block any account that is found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, this account being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The account that you must remove is listed below : ( Original Creditor : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I established services with XXXX in XXXX XXXX, XXXX. At the time of setting up services i chose to pay a deposit so that my credit would not be ran. Well according to my XXXX report I have a hard inquiry from XXXX dated XXXX XXXX, XXXX. They did not have permission to run a credit report and I did not give them my social security number. So how is it they were able to do a hard pull.
Product: Credit reporting or other personal consumer reports

I've noticed some issues on my credit report that I didn't agree to. According to the law ( 15 USC 1666 ( 3 ) ( i ) ), when I believe there's a billing error, the creditor has to fix it unless I said it's correct. Here 's what I want : An acknowledgment from the creditor within 30 days of my notice.

Corrections made in two billing cycles ( but not more than 90 days ) after my notice, and they need to tell me what they fixed.

I didn't agree to what's on my credit report, and they violated my privacy. Their inaccurate report is blocking me from using my credit for daily life and buying a car, which the law ( 15 USC 1681 ( a ) ) says should be fair and accurate. 

I also believe they're discriminating against me. They must show me where I said they could report these late payments. I demand they delete these late payments from my credit report and update the payments to paid on time.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {XXXX} Late/Closed
Product: Credit reporting or other personal consumer reports

XXXX is currently reporting an inaccurate account Gm Financial XXXX with a charged off status on my credit report with a balance o {$7300.00} and high balance of XXXX. 
***In accordance with the provisions of 15USC 1681 ( e ) and 15USC 1681 ( i ) This is a violation of my rights as a consumer and this must be deleted immediately.
Product: Checking or savings account

Someone opened a checking account in my name online. I called wells Fargo because I also recieved a debit card in mail. Someone activated the card and I ask for account to be closed and card they gave me such a hard time even though I proved it wasnt me that opened it I actually was told by Wells Fargo I c as not open an account with their bank due to fraud also. I'm not understanding how this account and card was opened? They had no explanation for it and I finally got them to close it after they investigated it. I am furious with Wells Fargo this keep happening. It's someone I. Their bank association I believe that's responsible for this.
Product: Credit card

I applied for and was approved for a credit card thru Bank of America. received card and a separate letter stating fraud with the card the same day. Tried to activate card and would not let me.. Called the number on the fraud letter and they told me i have to go into a physical branch with XXXX forms of ID to activate.. I told the rep I live in XXXX  and we have no branches. The closest is nearly XXXX miles away in XXXX He basically said tough luck. I tried calling every number i could find to either activate the card or have it and the hard inquiries removed from all credit reports. it has already dropped my XXXX XXXX by XXXX XXXX for a card that i can not activate to use. One rep told me to dispute with the credit reporting agencies to remove it and they will. that was a lie. I tried and they would not remove it. Now I either need this card activated or completely removed from reports and BOA offers no help whatsoever. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Equifax advising they confirmed my bankruptcy through XXXX XXXX. That letter is attached. I also attached the section for bankruptcy from my XXXX XXXX REPORT and this information is not being furnished! Equifax has lied and fabricated information that is not correct after I disputed this account multiple times advising this account is incorrect and needs to be deleted. They have refused to delete this account, even sending a follow-up advising they received this information from XXXX XXXX which is not True!!! They are violating my rights and is not doing a thorough investigation. I have sent letters and also disputed over the phone with Equifax, XXXX, and XXXX and they all have refused to delete these accounts. 

These accounts need to be removed IMMEDIATELY! XXXX XXXX OR THE BANKRUPTCY COURT IS NOT FURNISHING THIS INFORMATION ON MY CREDIT REPORT, SO HOW IS THIS ACCURATE? XXXX, XXXX, AND EQUIFAX IS VIOLATING MY RIGHTS BY FURNISHING INCORRECT INFORMATION ON MY CREDIT REPORT. ATTACHED IS A LETTER FROM THE BANKRUPTCY COURT. 

Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX XXXX  Account numberXXXX 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected has consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

My information was stolen and this account was opened in my name without my permission. They presented both fraudulent and stolen documents to open this account without my consent. Please properly remove this debt from my account, it should NOT be listed as a " charged off collection '' because it never belonged to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely,
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This is in violation of the FCRA subsection 1006.30a and its new rule by parking this alleged debt on my consumer report. I have not given any written permission to put anything on my credit report as stated in " 15 USC.1681bs. This has been hurting my credit, please remove the fraudulent accounts from my credit report as soon as possible.
Product: Debt collection

On XX/XX/18 I paid the debt of {$87.00}, although I have no written request to pay the debt from the collection company or original collector. My only knowledge of this debt is because of the derogatory mark it has left on my credit report. I called the collection company both before paying the debt and afterwards requesting that they delete the account from the credit report and rudely and relatively I was told that no such arrangement was available. This is an aggressive company in their policy that they will not delete the account completely after my request to see a written document expressing the debt as mine, and furthermore would not agree to delete the account from my credit report after I paid the debt to simply get it off of my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4900.00} XXXX XXXX Balance : {$4800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX Balance : {$620.00} XXXX XXXX XX/XX/2021
Product: Credit reporting

Company caused my credit score to be much lower by not removing items over seven { 7 } to ten { 10 } years. Looks bad and overwhelming to would-be creditors. 
Reduces my credit score down to low approval. XXXX finds it to be XXXX while EXPERIAN calls it XXXX! I do NOT owe any debts. No bankruptcies, judgments nor the like, nor am I a co-signor for anyone. 
I want to be treated for the RESPECT that I deserve for paying on time since I first began working and obtaining credit at XXXX when I was in college and to date.
Product: Mortgage

XXXX XXXX CEO OF CREDENCE FUNDING ... CONFIRMED THAT XXXX XXXX CHANGED THE ESCROW AND PAYMENT AMOUNTS AND DECEIVED THE EDLERLY COUPLE IN FLORIDA***THIS WEEK ... DUE TO THE ACTIONS OF THE PARTIES INVOLVED ... WE ADD LYING TO THE CFPB ... MISLEADING THE U.S. GOV XXXX CONSPIRING TO DEFRAUD*** FOR SOME REASON XXXX XXXX AND CREDENCE FUNDING CORP THINKS IT CAN ISSUE FRAUDULENT LOANS AND THEN SIMPLY HIDE FROM THE CONSUMER AND THE CONSEQUENCES ... *** XXXX XXXX IS THE PRIMARY CRIMINAL HERE BUT THEY GET AN SSIST IN THE CONSPIRACY TO DEFRAUD FROM XXXX XXXX AND CREDENCE FUNDING CORP*** WE HAVE REQUESTED CORRECT LOAN ORIGINATION DOCS ... THEY DO NOT EXIST*** XXXX XXXX AND CREDENCE FUNDING DECIEVED AN ELDERLY COUPLE AND THEY NEED TO BE PROSECUTED*** ****PLEASE NOTE THAT XXXX XXXX   ANSWERED THESE COMPLAINTS PRIOR AND LIED TO BOTH THE CONSUMER AND CFPB**** I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Product: Debt collection

I reported a " debt '' as fraudulent to American Coriadius International LLC ( ACI ). Whoever incurred this debt initially with XXXX didn't know how to spell my name correctly and used an email address that didn't belong to me. The amount was for {$940.00}. 

After investigating, they should have realized that this debt was not legally mine and dropped it. They never contacted me again. Instead of writing this off as fraud ( or whatever companies do when they deal with fraud and theft ), they sold this " debt '' to another collection agency to harass me more. They did this either with the knowledge that this debt was fraudulent or without following up on my report that it was fraudulent.
Product: Debt collection

Diversified Consultants , Inc . 
XXXX XXXX XXXX, FL XXXXACCOUNT NUMBER : XXXXXX/XX/XXXX/XXXXXX/XX/XXXXToll Free : XXXX. 
Fax : XXXX. 
Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify Diversified Consultants or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : Diversified Consultants , Inc or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX DOB XX/XX/1982XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Prepaid card

XXXX XXXX Comerica sent my debit card loaded with funds to somewhere else activated. Even though I wasn't in contact every step away by emails which while I will enclose. They sent it somewhere else, activated it. The money 's gone and they refused to speak to me