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

My estranged XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX has a history of using my social security number and has negatively impacted my credit previously. I worked very hard back in XXXX to have all items which i found to be his removed from my name/credit. However, recently my family and i applied for a new home because our lease is up and the background checks are showing I have an eviction in Florida ( father 's state of residence - False Eviction Record due to Identity Theft / Case # XXXX ). 

We reached out to XXXX for example to have this removed but still nothing has been removed and any property we apply even if using background check services other than XXXX my fathers eviction continues to show up under my name on all reports. 

I am almost positive if these people would check the birthday, place of residence they would see he is an older man living in Florida, they would see it isn't me. I haved lived and worked full time in NJ the past 16 years. 

Below is some additional information about my father that may help. He even has photos on XXXX in the house which he was evicted from in XXXX in FL. 

I looked up the public court record of the eviction and also reached out to the landlord and lawyer to let them know this wasn't me. 

Time is of the essence as my lease ends XX/XX/XXXX but no one is willing to rent to me & my family due to this error. 

I also am calling SS office tomorrow to request a new SS number as this has happened multiple times throughout my life but this is by far the worst he has done as it is now impacting my entire family. 

We also saw there is an open XXXXXXXX XXXX XXXXXXXX account in FL under my social which i am working on but this eviction is the most important at this time as my family & I need a place to live and this preventing us from finding one. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Last known place of Employment : XXXX XXXX XXXX XXXX XXXX, FL ) Known Residences : Multiple locations in Florida such as XXXXXXXX XXXX XXXXXXXX FL, XXXX, he also resided in GA for sometime. 

Thank you in advance for your assistance resolving this situation, we look forward to hearing you as soon as possible, please find our contact information below. 

Our Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX  Acct # 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.
Product: Debt collection

The money owed or is being collected is from a stolen vehicle that was recovered, then sold at auction by insurance company. Also the remaining balance should of been covered by GAP insurance or primary insurance or both. It wasnt my fault for the vehicle to be stolen and had proper insurance coverage for such incidents if needed. I am not responsible for this {$6800.00}. Please contact GAP insurance through XXXX XXXXThank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights.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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that my credit report dispute be reviewed. This is the 4th attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.
Product: Credit card

These people keep calling me about an account I never opened. They say they are going to send me a letter with information about disputing the debt but it never comes. They 've also given me different dates it was opened ( they originally said XX/XX/XXXX but changed it to XX/XX/XXXX after I told them I paid off all my cards in XX/XX/XXXX ). They 've also given me a different balance amount every call from {$580.00} to now {$5500.00}! It 's so obviously a scam but they keep calling and the man who was just on the last call was so rude I had to hang up on him. I 'm shaking and upset. I ca n't take this anymore. I wo n't pay for something I did n't do. 
I paid off all my credit cards 10 years ago!
Product: Credit reporting, credit repair services, or other personal consumer reports

I Decided to check my Credit, because I Interested in buying a house for me and my Family I notice that there are Accounts that I did not Authorize someone must have used my Person Information without my Consent this is fraud and I want something done about this these people should not get away with this
Product: Debt collection

I been trying to dispute two accounts from enhance company 1. XXXX is a 9 year old account and shows on my XXXX  account 2. XXXX  was not even opened more then a month.

3. There customer service is the worse and never able to help me. I beem dealing with them almos a month
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX  XXXX. The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX credit report on XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Bank Account # XXXX. 

XXXX XXXX Bank is reporting to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My credit cards are my business. My credit cards are my private information. XXXX XXXX Bank have reported my private information without my consent. XXXX XXXX Bank actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX Bank have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX XXXX Bank has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

Delete XXXX XXXX Bank Account # XXXX.
Product: Debt collection

On a recent review of my credit report, I discovered that Caine & Weiner is inaccurately reporting a collection account to XXXX  and XXXX. I mailed a certified letter to Caine & Weiner requesting VALIDATION. In my letter I included what constitutes validation. The company acknowledged receiving my request and all that was sent to me was a collection letter. They ignored my request for validation all together. On top at that, I then received a notice from XXXX  that the company placed the collection on my report which wasn't on there previously. Lastly, the amount on the collection letter is different than what is posted on my credit report.
Product: Credit card

Examine the attached documents. I want the bureau to investigate these accounts, as they inaccurately report me as late.
Product: Checking or savings account

I recently sent in a complaint on here ( cfpb ) which focused on the fact that you keep sending my overdraft letters even though I'm receiving overdraft letters on transaction 's that i had enough of a balance to entirely pay for and I've been getting billed {$10.00} per month even though wells Fargo told me multiple times before that i wouldn't have to pay it if I've had XXXX transactions per month, which i have completed for the past XXXX months, meaning you stole {$260.00} from me. I even showed proof that the cfpb itself even states you owe me my money back, yet all i received as a response on the previous complaint was XXXX stating that wells Fargo did absolutely nothing wrong ( lets see how that goes in court ) and {$20.00} for my troubles, which id like to mention is you admitting guilt on your side. Its not coincidental that the XXXX you gave me was XXXX monthly {$10.00} fees refunded, which i have proof of before you do something stupid like trying to take them back. The previous complaint number is # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX To Whom It May Concern : I recently received a copy of my XXXX, Equifax, and XXXX Credit Report and I noticed that late payments from Bank XXXX XXXX is still posted on my report : XXXX XXXX XXXX Account # XXXX. Your company is in clear violation of the law. Under 15 USC 1681B-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a Consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give written instructions to furnish this account on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report Does not include- ( A ) Subject to section 1681S-3 of this title, any- ( I ) report containing information solely as to transaction or experiences between The consumer and the person making the report : DELETE this account from my consumer report. This agency is in violation of 15 USC 1681. Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character. 2. Negligent Enablement of Identity Fraud. 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15 USC 1681 Violations for willful noncompliance 616. Civil liability for willful noncompliance-15 USC 1681n . Best Regards, XXXX XXXX
Product: Vehicle loan or lease

We paid off Chryler capital Acct XXXX on XXXX XXXX. XXXX also authorized the payment. Confirmation {$2500.00} but they are claiming they dont have the payment they also try to get more money out of our bank account {$2800.00}. Which was wrong amount. The bank stop payment on that amount. BUT they claim our money is no records and holding on to our Lien release for our XXXX XXXX XXXX.please help us to finalize our payoff. And to get our lien release
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat a payment on a credit card... 
XXXX account under an open end consumer credit plan as late for XXXX cropy itand pytitin that box XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX This is not my account I do not use sezzle. They are reporting credit decrease. I DO NOT HAVE SEZZLE!!! Identity theft is going on with my credit report
Product: Money transfer, virtual currency, or money service

I received a transfer from my wifes account into mine. And it was posted as fraud so wells fargo is charging me the money back whenever it was legally sent toy account by my wife.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently moved ( XX/XX/2019 ). Up to that time I had been making payments to Wells Fargo Dealer Services for my vehicle. I had switched jobs and had a lot of things happening. I went 30 days past due, no contact from Wells Fargo on payment due. They have my phone and email address but failed to contact me. I received a credit alert via credit monitoring and when contacting Wells Fargo I was told that they indeed failed to contact me. I proceeded to pay the entire balance and set up auto payment with them. Every other financial institution will reach out and contact you, Wells Fargo is more interested in destroying credit than customer service because they declined my XXXX dispute to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( 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 ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Vehicle loan or lease

I had made a payment on XX/XX/2022 and cancelled the payment that was due for XX/XX//2022. I received a confirmation email from the company. I woke up on XXXX to discover that both the payment I made on XXXX as well as the cancelled payment for XXXX were also taken that day. I called multiple times on XXXX, finally speaking with a gentleman who said that they would have it processed and returned by the end of business on the second. Now it is XXXX and they refuse to refund the money, stating that I will receive a call back within 3 business days to address my concerns.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies placed unauthorized inquiries on my credit report. I submitted request to each of the credit bureaus to have them investigated, but they replied back advising that I should contact the companies directly. The phone numbers to each of these companies were listed on my credit report. I attempted to call each one of them and could not get through because I had to either have a credit card # or my social security # in order to get past the prompt. So, I am unable to reach them using the # s provided. 

I'm requesting that these unauthorized inquiries be investigated and removed from my credit report. 


XXXX/XXXX/XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX   XX/XX/XXXX Experian  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX I XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Experian  XXXX XXXX XXXX XXXX   XX/XX/XXXX Experian XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

NO dates given. Ant {$760.00}. I called XXXX they never did anything. I contacted my credit agencies and theres nothing on my credit report yet this collection agency is charging me this.
Product: Debt collection

Around the end of XXXX. I think around XX/XX/XXXX. I got served twice in the same month. I got served at home.For two alleged credit card debts from XXXX XXXX. Johnson Mark LLC is the debt collector and they told my attorney that I am being sued for the two alleged debts. They also told my attorney they were hired by XXXX XXXX to represent them. They still state that XXXX XXXX owns the alleged debt and are just acting on XXXX XXXX 's behalf. 

First alleged XXXX XXXX amount is {$2700.00} and the other is {$4800.00}. 

If Johnson Mark states they were hired by XXXX XXXX directly then why these two alleged debts were with two different debt collectors before? On XX/XX/XXXX got a debt collector statement from XXXX XXXX and the other alleged debt got a debt collector statement from XXXX XXXX on XX/XX/XXXX. 

On XX/XX/XXXX my attorney send out XXXX requests to Johnson Mark LLC. Proving they have the rights and truly own the alleged debts. What I have attached is what they sent my attorney as a response. 

This is very troubling for my wife and I. We are not experienced with the whole legal system. It is causing us high stress in our daily lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and reported. The following inquires I have no knowledge of nor did I authorize neither. I'm demanding that these fraudulent inquires be removed from my credit file immediately. 

1 ) XXXX ( XX/XX/2018 ) 2 ) XXXX XXXX (XX/XX/2018 ) 3 ) XXXX XXXX ( XX/XX/2018 ) 4 ) XXXX XXXX ( XX/XX/2018) 5 ) XXXX XXXX (XX/XX/2018 ) 6 ) XXXX XXXX ( XX/XX/2018 ) 7 ) XXXX XXXX ( XX/XX/2018 ) 8 ) XXXX  XXXX ( XX/XX/2018 ) 8 ) XXXX ( XX/XX/2018 ) 9 ) XXXX XXXX ( XX/XX/2018) 10 ) Transunion ( XX/XX/2018 ) 11 ) XXXX XXXX XXXX  ( XX/XX/2018 ) 12 ) XXXX XXXX XXXX ( XX/XX/2018 ) 13 ) XXXX XXXX ( XX/XX/2018 )
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

My Experian credit report contains errors that should never have been reported in the first place, and I find this completely unacceptable. The presence of these inaccuracies raises serious concerns about the reliability of Experians reporting system. These mistakes are directly affecting my financial stability, and I refuse to let them go unchallenged. 

As a consumer, I have a legal right to a credit report free from false or unverifiable information. The Fair Credit Reporting Act ( FCRA ) mandates that all reported data must be accurate, and any errors must be corrected immediately. I am demanding a thorough investigation into these discrepancies and expect immediate corrective action. Delays will not be tolerated. 

Employers : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00}