23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I closed out my XXXX account during the pandemic to cut back on bills. I actually had a line with them with XXXX of my children on and and I was also with XXXX and had XXXX other child on that account. I closed out XXXX and put everyone on XXXX. I was paying the balance with XXXX and then my household caught XXXX. We were ALL out of work and I didn't pay 2 of the last payments with them. I finally called and they said it was charged off because the majority of it was paid off. I had no payments left in their system. A few months later, my XXXX XXXX XXXX son, who now has that phone with that number, was complaining of someone calling about a XXXX  bill constantly. I answered the phone and without saying who I was, I was told it was XXXX XXXX XXXX and they were collecting a XXXX  bill. I hung up because I'd already had that conversation with XXXX. That went on for months and I guess finally the sold the account to someone named SOURCE RECEIVABLES MANAGEMENT. I have not spoken to them at all but I did receive something in the mail from them pertaining to said XXXX bill. 
I am in the THROWS of buying a house RIGHT NOW, as in looking and pre-approved already. I do not have time for their nonsense. According to XXXX, I no longer owe them anything. The date this started with this latest company XX/XX/2022 when it appeared on XXXX. The time I spoke to XXXX was somewhere between XXXXwhen I was home with XXXX XXXX and they kept calling my old phone.
Product: Debt collection

According to the FCRA XXXX  account # XXXX has violated my rights. 

FCRA section 605 B. It is illegal to report information on my credit report without my permission.
Product: Credit reporting or other personal consumer reports

I contacted Nelnet about my loan. My credit report ( XXXX and XXXX ) indicated that I have a balance. I was told it was not updated in my credit report due to a suppression placed on my account. Nelnet advice me that the Suppression on my account would be lifted in mid-XXXX. I filed a Dispute XX/XX/XXXX with the credit bureaus that my account from Nelnet was reported incorrectly. 

I contacted Nelnet again after I didnt see any change and the results of my Dispute XX/XX/XXXX came back stating account was accurate. I spoke a Nelnet representative who noted that I called previously. I was told that they are unable to remove the suppression until they get the okay to do so. When that will happen, I was told it will take a long time. They told me to contact the Department of Education. 

I contacted the Department of Education about my account with Nelnet being in Suppression. I was told there must be a misunderstanding on Nelnet part because my account was transferred to XXXX ( paid in full ). I went back into my credit reports and filed a new dispute XX/XX/XXXX. As of XX/XX/XXXX, it is still under investigation. 

Here is the timeline. My loans were transferred XX/XX/XXXX from XXXX to XXXXXXXX XXXX reported on my credit report : XXXX, XXXX, XXXX Paid, Closed : was paid as agreed Balance {$0.00} Date closed XX/XX/XXXX Next, loan was transferred from XXXX to Nelnet. Nelnet reported on my credit report : XXXX and XXXX state Open/Never late, Balance of {$100000.00}, last reported XX/XX/XXXX. Last, Iona was transferred from Nelnet to XXXX. XXXX reported on my credit report : XXXX, XXXX, XXXX Paid, Closed : was paid as agreed Balance {$0.00} Date closed XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX I logged into the Nelnet account. On my account it stated {$0.00} and closed. I provided screenshots of all my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION HAS LISTED AN ACCOUNT ON MY CONSUMER REPORT WITHOUT MY PERMISSION. 
TRANSUNION IS NOW CIVILY LIABLE AND CRIMINALLY LIABLE. 

THE ALLEGED DEBT ALSO DOES NOT MATCH THE LISTED AMOUNT ON THE CONSUMER REPORT. 

THIS ACCOUNT IS FROM AN DEBT COLLECTOR THAT HAS VIOLATED THE FOLLOWING LAWS : XXXX XXXX XXXX IS IN VIOLATION OF THE FOLLOWING : 15 U.S. Code 1692b. ( 2 ) 15 U.S. Code 1692b. ( 5 ) 15 U.S. Code 1692c. ( a ) ( 1 ) 15 U.S. Code 1692d ( 1 ) 15 U.S. Code 1692d ( 2 ) 15 U.S. Code 1692d ( 5 ) 15 U.S. Code 1692e. ( 2 ) 15 U.S. Code 1692e. ( 7 ) Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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 XXXX XXXX never gave TRANSUNION any written consent to report anything on my consumer report. No consent is identity theft.
Product: Vehicle loan or lease

spoke to wells fargo. last payment was not 30 days late. on credit report shows 30 day late.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted. Company information Transunion Please delete the following accounts XXXX bal. {$520.00} XXXX XX/XX/XXXX XXXX bal. {$670.00} XXXX XX/XX/XXXX XXXX XXXX. {$360.00} XXXX XX/XX/XXXX XXXX bal. {$130.00} XXXX XX/XX/XXXX XXXX XXXX. {$340.00} XXXX XX/XX/XXXX XXXX XXXX. {$170.00} XXXX XX/XX/XXXX XXXX bal. {$270.00} OPEN XX/XX/XXXX XXXX XXXX bal. {$850.00} OPEN XX/XX/XXXX XXXX XXXX XXXX XXXX. {$11000.00} OPEN XX/XX/XXXX XXXX XXXX XXXXXXXX. {$1300.00} OPEN XX/XX/XXXX XXXX XXXX XXXXXXXX. {$500.00} XXXX XX/XX/XXXX XXXX bal. {$2400.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : 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 I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Hello, This company Information Research looked up my personal credit report without my consent or permission. added a fraudulent hard inquiry on my credit report on XX/XX/2023. I have never done any sort of business with this company, and I don't know how they were able to access my personal information. 

Information Research XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not knowledgeable of any of these inquires and never authorized these companies to pull my credit. On XX/XX/2022 I called XXXX and XXXX in on XX/XX/2022 XXXX directly in received no help. Each company suggested I dispute directly with the companies, or file a complaint with FTC, and or file a police report. I have reached out to these companies by phone and neither one could provide me any information on where the information came from. Please see below inquiry from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2022 Americredit XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Debt collection

The Company is capio partners account number they have is XXXX this medical collection has been paid by insurance. 
also there account # XXXX has been paid by insurance please investigate these 2 accounts by the same company i sure they have no paperwork and is trying to collect on a paid account.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on myaccount This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item name and account number I am asking you to verify as accurate XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XXXX17and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against TRANSUNION for their failure to remove fraudulent accounts from my credit report as required by law.

I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 
Despite my initial request for the blocking of these fraudulent items, the following accounts remain on my credit report : XXXX. XXXX XXXX  Account # : XXXX Opened : XX/XX/XXXX Reported : XX/XX/XXXX 15 U.S.C. 1681i ( 7 ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this required information.

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Verification Requirement : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( s ). Without such verification, there is a risk that erroneous or fraudulent information could be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized public record information.

Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information.

Failure to Investigate Accurately ( 15 U.S. Code 1681i ) : After submitting a dispute regarding inaccuracies on my credit report, I did not receive a thorough investigation within the mandated 30-day timeframe. The results of the investigation did not adequately address my concerns.

According to 15 U.S.C. 1681c-2, credit reporting agencies are required to block disputed information identified as resulting from identity theft within four business days of receiving a valid identity theft report. Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), any unverifiable or inaccurate information must be removed from my credit report.

Inadequate Compliance Procedures ( 15 U.S. Code 1681e ( b ) ) : The bureau has not demonstrated that it has implemented reasonable procedures to ensure the accuracy and completeness of the information provided on my report. I am requesting detailed information on the procedures used during the investigation. 

I demand that the CFPB investigate this matter and take appropriate action to ensure that these fraudulent accounts are deleted from my credit report. I expect a prompt resolution to this issue and would appreciate any guidance you can provide regarding my rights in this matter. 
Thank you for your attention to this urgent issue.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX  on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX  on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$550.00} ( private ) that appears related to the aforementioned personal loan account opened at XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act. in accordance with the Fair Credit Reporting act. The List of accounts below hasviolated my federally protecled consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 002 A. Stales I have the right to privacy.

15 U.S.C 1081 Section 604 A Section 2 : It also stales a consumer reporting agency can not fumish a account without my written instructions 15 U.S.C 1681c. ( X5 ) Section States : no consumer reporting agency may mako 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have {$170.00} and some change of debits from a company call XXXX XXXX. Each time this company attempts a charge to my account Chime send me a text message asking if it's me making the purchase because it looks suspicious. Each time My response was no and I would then receive a message from Chime saying no worries, no charges were processed. Even though Chime 's response was such, they continue to still allow the transactions, leading up to {$170.00} worth of charges. When I put in a dispute, I was denied a refund. I have disputed 4 times and each time the answer is " We found no error ''. I have submitted screenshots of our interactions with their fraud department during the transaction times and still the company is refusing to refund me for their negligence. I even tried to call XXXX Transcript o resolve this way but they are saying they have no account for me or record. 

I have attached all text messages between me and Chime on the dates of the transactions.
Product: Credit card or prepaid card

Don't know anything about this cause I don't have credit cards
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because today XX/XX/19 I found out that my personal information was used to open several accounts without my authorization. I have no idea who stole my information or how he/she got a hold of it but I have already filed a police report regarding these unauthorized accounts. I did not participate in any purchases, transactions or payments towards any of these accounts nor did I benefit anything from them being open in my name. I have no relationship with any of the companies I have listed and I never gave them permission to run or access my credit report nor personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer
Product: Mortgage

I purchased my home XX/XX/XXXX from XXXX XXXX XXXX, and its been conveyed over to various companies. The current company XXXX XXXX is using a fraudulent assignment to claim standing to be able to foreclosure on my property. 
Planet home refused the restructure my loan to a fair market value. I completed dispute the amount XXXX XXXX XXXX is stating I owe.I revoke the POWER OF ATTORNEY XXXX XXXX is using to foreclosure on my property in XXXX Co Real Estate Division of Superior Court XX/XX/XXXX BOOK XXXX Page 64. I do not give XXXX XXXX Power of Atty to foreclose on my house. I gave XXXX XXXX XXXX rights in XX/XX/XXXX and the are no longer doing business in Georgia. I did n't authorize the transfer of the Power of Atty. I Dispute the debt Planet Home is claiming I owe to them I have no contract with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I was alerted to a new trade line on my credit report for {$520.00} from XXXX XXXX. 
I made contact with XXXX XXXX, who informed me it was likely XXXX, a self reporting loan service. I contacted Self and they confirmed I do not have an account or loan with them. They have requested a police report and FTC report.
Product: Credit reporting or other personal consumer reports

I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to update this information from my credit report.
Product: Credit reporting or other personal consumer reports

I disputed several accounts on my credit report and Transunion denied them and Experian and Equifax are taking very long. This is affecting my personal life and their failure to remove these items as someone was very good at doing the fraud or something has prevented me from being able to obtain the benefits of good credit that i should have if not for these people. I want to formally sue them if this isn't resolved in a timely manner
Product: Credit reporting or other personal consumer reports

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report.

Inaccurate Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

A {$500.00} loan. They debit weekly {$84.00} starting on the  XXXX  ( a week after receiving ),  XXXX  payment bounced so I paid {$200.00} today. So I 've paid {$360.00} and still owe {$380.00}. The fees are illegal in michigan. They are accruing weekly what should be monthly.     They debit weekly and charge fees weekly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC. Unauthorized Inquiries : XXXX CASE XXXX XXXX XXXX XXXXXXXX XXXX Transunion XXXX XXXX SERVICES XXXX XXXXXXXX XXXX Transunion XXXX XXXX XXXXXXXX XXXX Transunion XXXX  OF XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XX/XX/2023 Transunion