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

It has been a long time since I viewed my Credit Report and upon checking my Credit Report, I was appalled by the Credit Bureaus lack of concern with a consumer 's Credit File. I noticed many erroneous information being reported on my Credit Report. Im now submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts 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/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$340.00} MEDICAL DATA SYSTEMS I ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX Balance : {$170.00} Medical XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$190.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX are reporting a debt from XXXX XXXX XXXX  the debt has been paid off completely and I want it removed completely from all three credit reports. It is preventing me from getting approved for a place to live.
Product: Money transfer, virtual currency, or money service

send {$200.00} by money gram, from XX/XX/XXXX and they told me that it would be available in 10 minutes after doing it. It's been 3 days and when I call them they tell me that they have to talk to whoever revives the money, then he calls and they say no, it's me who has to call. Later they tell me that my transaction is already under investigation and that it will be solved in a maximum of 24 hours. Those hours have passed and they tell me that it can take as long as it takes. that I can only wait. They said that I can't talk to a boss because there is no other number where I can put my claim
Product: Credit reporting, credit repair services, or other personal consumer reports

This company American Express has been charging illegal fee which were never authorized and the amount is very high. I was never been notified of the charges mentioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with XXXX, TransUnion and XXXX  and the account remains. 

XXXX is using fraudulent documents to verify accounts to these agencies and despite the account being paid in full XXXX nor the original creditor has EVER sent me anything in writing to validate the debt. 

XXXX has verified that the original creditor did NOT provide them with the correct information to contact me and that the original creditor only provided their own address. Even though the Original Creditor had my forwarding address and XXXX received my correct address with my previous complaint to the CFPB ( XXXX & XXXX ). 

The documents that XXXX supplied to the complaints above have a fraudulent lease, dated in XX/XX/XXXX with an electronic signature of my name, note the date in the attached document. I did not sign a lease in XX/XX/XXXX, I signed a leased generated in XX/XX/XXXX. The original documentation is not and has not been provided to XXXX nor is it available to the bureaus to verify this debt as it has NOT been produced so far. 

This debt was also paid in full and this fraudulent reporting method has caused me to lose credit opportunities and be denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is concerning XXXX  Credit reporting. I have sent them letters as my attorney did and they refuse to correct my credit history/report.

XXXX XXXX XXXX is breaking PA law : Pennsylvania Motor Vehicle Financial Responsibility Law, 75 PA C.S. 1797 ( b ) ( 7 ). and refuse to remove this fraudulent reporting by this company.

XXXX/XXXX  was a stolen gas card.Purchases were made in CA and I reside in PA. XXXX  called me to inform me of the fraud and told me they would close the card as they did and I agreed. XXXX  & XXXX refuse to remove from my credit history after they been shown the information as FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed multiple accounts on my report that I do not recognize
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, a XXXX XXXX XXXX check in the amount of {$12000.00} made payable to me ( XXXX XXXX ) for an injury payment from XXXX insurance was stolen. Although the check had been endorsed to my XXXX XXXX XXXX XXXX account, had the account number and " for deposit only '' on the back of the check, the thief was able to replace my name with their name and address on the front of the check ; replace my signature on the back of the check ; however, the account number or " for deposit only '' was not tampered with. The check had already cleared when I became aware it had not reach my financial institution. According to a copy of the cleared check I obtained from XXXX it looks like the check cleared or was deposited on XX/XX/XXXX at an Iberia Bank. Even if the " fake name and signature '' on the check matched, what is the probability that the thief and I had the same account number???? A police report was filed and I have been working through XXXX to get the issue resolved. I was initially told by XXXX XXXX ( My injury case manager at XXXX ) that the process could take up to 90 days and that XXXX XXXX XXXX would contact me and send a package of information to complete for its investigation. XX/XX/XXXX, I had not heard anything from XXXX XXXX XXXX so called and emailed XXXX XXXX. I did ask for points on contact for XXXX XXXX XXXX at that time ; however, I was informed he would be the liaison. this process was new to him as well and had been given guidance by his supervisor. There have be intermittent follow-ups. My last update from XXXX XXXX on XX/XX/XXXX ; he stated that XXXX XXXX XXXX was trying to get the Iberia Bank to make good on the check because it should not have been cashed and the outcome would be know on XX/XX/XXXX. I called ( left a voice message ) and e-mailed XXXX XXXX on XX/XX/XXXX after not being contacted with any new information. This lack of information has been occurring throughout and I think that i have been very patient during this wait time. I am totally exhausted at this point. I asked for information on points of contact at XXXX XXXX XXXX, file number associated with this case and other information as I needed to be much more involved and explore other options. I spoke to someone in this office ( Consumer Financial Protection Bureau ) and told how to submit a complaint on line. If your office can help in any way, I will be most grateful. I was also told to contact the Georgia Bar Association to get the name of an attorney in my area. ( Note : I think the check may have been stolen from my mailbox but am not certain. I send checks from my rental property to my bank that was as well and this has never happened ). Needless to say, I don't put anything of value directly in my mailbox anymore. Thank you.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report, and this is not filed by a 3rd party or Credit Repair Agency. I viewed my own reports and have found some errors that should not be on my reports. thanks for helping fix these. In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 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 instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Credit reporting or other personal consumer reports

Experian continuous to report this account is charged off and refuses to look at my supporting documents. I have proof from the merchant and my bank statements that my account has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account I have disputed but it appears on my file still. The original dispute took longer than 30 days for the merchant ( Bank of America ) to respond. It has since been on my credit longer than 7 years. The company keeps changing the dates which extends the date that this should fall off.
Product: Checking or savings account

I received an email today saying this Thank you for applying for a U.S. Bank Smartly Checking. 

We received your application on XX/XX/year>. Your application ID is XXXX. 

I called the bank and they said the application was rejected and I should report to you guys. I should also freeze my credit.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and request that all accounts listed below be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were fraudulently created or affected due to identity theft. 
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
Product: Credit reporting or other personal consumer reports

I reached out to the credit bureaus and asked for the verification of the information and was told that the bankruptcy court verified the information. Bankruptcy supplied me with a letter stating that THe bankruptcy court oldies not supply either credit bureau with personal information nevertheless any information. When I mention that I had a consumer Law Attorney! I was then told my the credit bureau that a third party supplied them with the information. I gave no one permission to buy, sell or obtain any personal information or information. The information has to be provided by the actual creditor or bankruptcy court itself to the credit bureau. I have reached out to a Consumer Law Attorney for further guidance as well. I have been going back in forward for a very long time. Also, equifax keep saying that my account is fixed. I cant even review anything thats on my credit without going through the XXXX portal that I have to pay {$24.00} a month for, which then leads me back to equifax. I just reached out to them today to ask for them to delete my entire account so that I can be able to set up a new one to keep a check on my credit account.
Product: Credit reporting or other personal consumer reports

2023, I made contact withe XXXX bureaus about this inaccuracy on my credit report. But no actions was taken by them.
Product: Money transfer, virtual currency, or money service

I found out that I was scammed and had unauthorized charges with cash app. I tried to get in contact with a live agent who wouldnt help or fix the problems.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 

Account Name : XXXX XXXX, acct # XXXX, {$2500.00} XXXX XXXX, acct # XXXX, {$480.00} XXXX, acct # XXXX, {$590.00} XXXX XXXX, acct # XXXX, {$13000.00} XXXX XXXX XXXX, acct # XXXX {$2500.00} Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 

I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities.I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report.This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit.Thank you for your immediate action to this issue. 

XXXX XXXX.
Product: Debt collection

IQ Data International XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/19. This company called me trying to collect a debt for XXXX XXXX. After putting me on a 4 min hold, this woman comes on the line and starts talking really aggressive towards me. Im okay because I can deal with a rude person. But after that, she starts insulting me, verbally attacking me, and then she mentions my wife by name in a way that implied were going to ruin her too. She then says by this conversation we got all we need out of you. I asked what does that mean and she dodged the question and then said youre waisting my time and h/u. I never in 100 years would talk like that in my personal life, let alone a place of business. I now dont know what they are going to do with my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to reach XXXX on numerous occasions regarding this debt that I allegedly owe. I do not recall ever having a credit card with this company. XXXX is also illegally reporting inaccurate information. This account has been closed and charged-off for years and is still reporting monthly late payments. Which itself is grounds for it's immediate removal from my credit profiles. 

If this account is not removed I will be handing this over to my attorneys and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person and I am a living human being I have rights under 15 USC 1683. Those right are continually being violated by Transunion. With transunion being governed by 15 USC & in accordance to the fair credit report act my rights have been violated not only numerous times but continually after direct disputes have been made on my part against transunion directly. I demand all accounts as well as misleading, incorrect & falsified items of information be deleted immediately. These incorrect addresses, miss spelled names as well as accounts that should have been deleted a long time ago are having a negative effect on my credit score & has tremendously interfered with the accuracy of interest rates that have been applied & or given to me. The accounts, collections & inaccurate information that I demand be deleted & removed from my transunion credit report/ score are listed bellow. 
Collections : XXXX XXXX XXXX $ ( collections ) XXXX XXXX XXXX XXXX $ ( collections ) Student loans : Deptmnt of EdXXXX XXXX XXXX all money 's & multiple accounts ) Incorrect information : Addresses. 
Inaccurate spelling of name ( s ). 
Laws & right violated Also 15 USC 1681 sec. 602 ( a ) states I have the right to privacy.

15 USC 1681 sec. 604 states a consumer reporting agency can not furnish an account with out written consent 15 USC 1681s-2 ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person in knows or has reasonable cause to believes that the information is incorrect.

Above is Transunions reasonable cause to believe the information is incorrect
Product: Credit reporting or other personal consumer reports

Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. I was reviewing my credit report and seen The company resurgent receivables Have violated my rights my rights have been violated law FCRA section 605B states That it is illegal to report anything on my credit profile without my permission delete this immediately
Product: Debt collection

The XXXX Credit Bureau is reporting inaccurate information on DEVILLE MGMT. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Checking or savings account

All 3 of my checking accounts with USAA were closed on XX/XX/2023 due to filing too many disputes. They stated that I can never open another checking account with them. 

I have a payroll and student financial aid check that was deposited which they are holding for 60 days. I would like these funds released immediately and my account reopened or a new account opened with these held funds. 

As I stated, I have the right to file a dispute or many disputes. This is harassment, discrimination, and even extortion to keep holding my funds.
Product: Debt collection

I was a victim of identity fraud. Someone used my information to open an account with Care Credit. The account was opened without my authorization. I received a billing statement in the mail, which was my first knowledge of the account. I contacted Care Credit on XX/XX/XXXX. I was told the account would be closed, and an investigation would be completed. I was also told that I would received a package in the mail to complete. I was told that I would have the package in 30 days. Today, is XX/XX/XXXX, and I a still waiting on this package. I made a second call to Care Credit on XX/XX/XXXX, to be told that no investigation was started. The investigation started on XX/XX/XXXX. I have still not received a package.
I am still receiving a bill from Care Credit. I received a letter dated XX/XX/XXXX that I was not responsible for the charges, and that there is still a bill. I had requested a copy of all transactions from this account. I HAVE NOT RECEIVED THE TRANSACTIONS AS PROMISED. I WAS TOLD THAT MY ID WAS TEXTED TO THE DOCTORS OFFICE. I WOULD LIKE TO SEE THAT TEXT MESSAGE AND PIC ID, ALONG WITH THE APPLICATION TO OPEN THIS ACCOUNT. WHICH I DID NOT AUTHORIZE. I CONTACTED CFPB WITH CASE # XXXX, PLEASE HELP
Product: Credit reporting or other personal consumer reports

I request that you investigate these fraudulent inquiries promptly and remove them from my credit report.
Product: Debt collection

The mentioned debt was a result of a early termination fee ( {$440.00} ) imposed by XXXX XXXX as a result of an XXXX that was installed improperly, ultimately causing a poor signal. The poor quality is also documented in my contract with XXXX XXXX, however claiming that " the customer was ok '' with this quality. Also, my digital signature on the signed contract was illegally duplicated without my knowledge, which can be demonstrated by a erroneously stray mark. 
I contacted XXXX on XXXX/XXXX/XX/XX/XXXX to terminate my agreement based on false advertisement and improper installation however was told that I was responsible for the charge since I signed the contract. I then attempted to file a formal dispute with the office of the president of XXXX XXXX on XXXX/XXXX/XX/XX/XXXX however received no response or follow up. As a result, I filed a formal dispute through my credit union and XXXX of the charge, which ruled in my favor as of XXXX/XXXX/XX/XX/XXXX due to no representation provided by XXXX. 
I was later contacted numerous times by XXXX XXXX ( debt collector ) on behalf of XXXX to recover the mentioned charges. In my correspondence, I explained to the convergent Rep I was not responsible for the charge as it has already been disputed by XXXX and based on the fact that I was receiving poor quality. This charge was later reported to the XXXX major credit bureaus. 
As a result, I filed a dispute through XXXX, a authorized identity restoration services provided by the XXXX XXXX XXXX XXXX, to remove the charge from my credit report. After submitting the supporting documentation, all XXXX major credit bureaus removed the charge by XXXX. 
Later on XXXX/XXXX/XX/XX/XXXX, I received a separate notice from GC Services requesting payment for {$440.00} as a result of an unpaid balance from XXXX, This message also indicates the charge may include equipment fees, despite being told by XXXX that the equipment should be discarded after installation as XXXX will not accept returned equipment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove some fraudulent items off my credit, but all the credit bureaus are duing is calling the origianl credit to confirm the fraud with absolutely no resolutions. 

XXXX and XXXX is reporting on my credit a credit card each with a credit limit of {$500.00}, yet my balance is {$15000.00}. How in the world can someone allow a customer to over their credit limit by {$14000.00} and try to come after me for the debt? 

Secondly, I have a court ordered to seal a payment balance to an apartment complex. The creditor paid has merge and have since sold the debt and now the new company is refusing to remove the debt and further, the credit bureaus are not helping even with the court odered. 

Lastly, I worked for a company that filed for bankgruptcy. Although I was a high lever XXXX, XXXX is claiming there are not showing any bankruptcy on my info, however, XXXX and XXXX are still reporting it stating I need to have XXXX to update their profile. 

I feel these credit bureaus are simply a datewarehouse with no back bones. They are claiming everything is internal and that I can dispute, however, we as the consumer have to constantly wait 30 days on the same nonesense. 

I need CFPB to provide me an immediate response, letter of intent or rationalization for why my constituational rights for barrowing and or purchasing can be in the hands of XXXX privately held company that has nothing to do with the information they are providing. 

Thanks.