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

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I received a telephone call from Debt Recovery Solutions on XX/XX/XXXX stating to me that I owe for a check loan and asked personal information I told them I would not give any information until they sent me validation in the mail. 
XX/XX/XXXX I received a letter from the company stating that they have validated the account with an application that is over XXXX years old, copy of drivers license and bank card that is over XXXX years old and a copy of a check that was written to me however did not have a date on the check. I called the company to dispute the information they sent to me stating that this was over the statue of limitations to collect. The company hung up on me XXXX times was abusive and harassing, threatened to sue me, and report to my credit and the agent claimed I am lying the debt was received in XX/XX/XXXX however they have nothing showing that information. nothing has been resolved on my dispute.
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 XXXX XXXXXXXX XXXX XXXX  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 XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : XXXX XXXX {$0.00} Date XX/XX/XXXX XXXX Date XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$17000.00} XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX {$73.00} XX/XX/XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX STAT {$1100.00} XX/XX/XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX {$290.00} XX/XX/XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXX {$2400.00} XX/XX/XXXX XXXX SYS {$1000.00} XX/XX/XXXX XXXX {$200.00} XX/XX/XXXX XXXX {$1500.00} XX/XX/XXXX XXXX {$4800.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a loan account with XXXXXXXX XXXX XXXXXXXX opened on XX/XX/XXXX, a collection account with ProCollect opened on XX/XX/XXXX, and a medical collection account with XXXX XXXX XXXX opened on XX/XX/XXXX. 

In addition, the following unauthorized hard inquiries must also be removed : 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 I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts or inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint XXXX  ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud.
Product: Debt collection

They continuously call with threatening calls and even though I asked them to stop and block the number they call from another one
Product: Bank account or service

This all began XX/XX/XXXX when my wife of 30+ years passed away. My stepdaughter had been living with us and continued to do so until the XXXX. Apparently, my stepdaughter had stolen blank checks from my home XX/XX/XXXX. When she moved out XX/XX/XXXX, I was still under much mental stress from the passing of my wife. I knew the amounts that had been deposited to my Regions Bank account and my account at another bank and what was withdrawn by me, but I did not discover the forgeries until I was contacted by the bank due to overdraft XX/XX/XXXX. I contacted my local branch and found that between the XXXX accounts over {$20000.00} had been XXXX and forged against my account. The XXXX account has reimbursed me over XXXX % of lost funds, however, that was a different bank. I have now been informed from Regions that I will not be reimbursed for the $ XXXX+ that was forged on this account, due to it not being reported within 30 days of the first forgery. However, these forgeries were reported to multiple counties and cities on forgery and theft charges upon encouragement to do so by Regions Bank to ensure my losses. I followed directions from the bank officer, and then received phone call last week stating that NO funds would be reimbursed. These transactions were due to the fault of the bank, by MULTIPLE tellers and branches, and the dollar amounts and timing of check cashing were extremely suspicious, and they were still cashed without question.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting information that is not mine. They have incorrectly reported to credit bureaus and also sent it collections. XXXX XXXX XXXX which now is a double report against me. This needs to be removed from my credit report as it not correct. 

The purpose of this letter is to dispute the Collection Account that was placed on my account that states it was opened on XX/XX/year>. This charge of {$5200.00} from XXXX XXXX. 
I have advised that this has been a case of Identity theft yet it has been reported against my credit report to Trans Union, XXXX and XXXX. 
The charge has no proof or foundation and I have advised that the charge is not valid yet your company has placed the charge against me with clear notification that this is not mine. 
I am seeking that this be immediately removed as it has been clearly provided as fraud. In addition, due to this being the second or third notice I am hereby notifying the CFPB as it is a violation of the fair credit and reporting act which is being violated by your company. 
If this is not removed immediately as there is no supporting documentation to support this bill I will have no choice but to take this matter to court and request that I be paid for damages that your company has imposed to me for falsely reporting this information on my credit file. 
Due to this being fraud I have attached the FTC report and also the letter to collection which is a double negative against me.
Product: Debt collection

I was an independent XXXX for XXXX. In approximately XX/XX/2022, I was assigned a truck equivalent to a XXXX XXXX XXXX to physically drive the unit itself from OXXXX XXXX XXXX The unit had a defect in which XXXXXXXX XXXX Dispatcher knew about and failed to relay to me. While in transport the lift gate came up causing substantial damages to a truck stop awning and city power lines endangering the safety of myself and other citizens. XXXX XXXX insurance carrier is responsible to handle any and all costs. The information given is inaccurate
Product: Debt collection

I had a payday loan onXX/XX/XXXX for {$300.00} to be paid on XX/XX/XXXX Check was need sent to my bank. I called the company to take the check to my bank. Check as never been sent to my bank. The company than my account to collection, which than they my account to third collection company. I paid them XXXX to them on XX/XX/XXXX. 
The payment has never been give to the payday loan company. They have owing this money. Third party collection company will not return my calls. I have my Mastercard to verify all of my payment. No one can tell me after two year no money has been to my account.
Product: Credit reporting or other personal consumer reports

I have been contacting XXXX about a loan that has appeared on my credit report. I have sent in documentation about this account not belonging to me. My account was hacked and information was breached which caused a loan to be opened in my name. I have filed an Identity Theft report and also sent it in the CEO and customer service several times. I was told that it would be removed off my credit report within 30 days and it is still there. I asked for all documentation from this company to see who obtained the loan. While analyzing the loan, there were no physical signatures on the application. There was a breach in the contract under the truth-in lending law which was also addressed. A fake drivers license was provided and an incorrect address was also provided from this company. I have mailed in certified receipts with signature returns requested. It is now going on 3 years and this same car is on my credit which has now gone into a repossession. This account has been illegally been reporting on my credit since XXXX. XXXX has intentionally ignored my requests and has not been in communication with me every since they told me that it would be off my credit in XXXX. I also have sent in documents to Transunion, XXXX and XXXX. They also have a copy of my FTC report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous documents and request to XXXX to research this account. I am a victim of fraud by someone who abused a power of attorney. I have provided proof of XXXX, proof from the responsible individual and proof of the abuse of power of attorney and XXXX has consistently tried to hold me responsible for this account. I acknowledge this account was opened in my name and with my information BUT IT WAS NOT WITH MY CONSENT. I have received numerous responses from XXXX saying the creditor validated this debt, and therefore they will not investigate. Please read the documentation, the responsible individual admitted to this act of fraud. I am not responsible and will not be bullied by XXXX into paying a XXXX debt that does not belong to me. I was XXXX at the time and unaware my bank accounts were being used to make payments, I was not aware of any of this until months after it began. I deserve more than a generic response of regurgitated scripts telling me I am liable because it 's in my name. I deserve the right to have the documents REVIEWED AND TAKEN INTO CONSIDERATION! am going to seek legal action if this is n't resolved. 

XXXX, shame on you as a CRA to not conduct an investigation of your own but to constantly request the same documents over again from me and to only to have the same creditor response validate the outcome. WHERE IS THE FAIRNESS. When does personal responsibility come into play as a CRA. I am tired of being victimized by people who are supposed to be protecting me while I 'm XXXX FIGHTING FOR MY, EXCUSE ME OUR COUNTRY ONLY TO COME HOME AND FIGHT WITH THE SAME PEOPLE IM RISKING MY LIFE FOR. This is insane! Not to mention my information being compromised by XXXX as well, I 'm disgusted!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 my XXXX bill was paid off. 
I got a letter from XXXX saying the balance was paid in full and they would report this to all credit reporting bureaus, but on XX/XX/XXXX of 2021 XXXX had supposedly reported to equifax that it was still a bad debt and was not paid according to equifax and because of this my score went down another XXXX points. I then called XXXX customer service that day and they said they would take care of it. I checked my score on XX/XX/XXXX and equifax was now reporting that balance had decreased and was paid in full but under derogatory remarks it was still reading as charge off/bad debt. I called equifax to dispute this and asked how something can be paid in full but be charged off as a bad debt and read a XXXX balance.They continued to blame this on XXXX reporting but my other XXXX credit reports have it reported correctly with no problems. I called again on XX/XX/XXXX because my score continued to drop another XXXX points because of this same issue and the only changes on my report were both positive. The XXXX derogatory remark was now removed but when I called equifax they are claiming although it was removed it is still being reported as a charge off bad debt. XXXX is denying this but equifax is insisting its XXXX  doing the bad reporting. I even sent a copy of the letter that it was paid in full to equifax on multiple occasions but they still refuse to fix the mistake and they continue to lower my score. Equifax even talked me into recently joining their credit repair/monitoring service and I just gave in and joined in hopes that if Im a paying customer maybe they will fix their mistakes but so far this has been to no avail. 
I have XXXX derogatory remarks a 100 % payment history and nothing bad on my report and my score should reflect that. Ive been so frustrated and I feel helpless that not only have they done nothing to help but everything has gotten worse. The people that own the house Ive been renting sold the house and Ive been unable to secure a new place because of equifax. I have done everything in my power that I am supposed to do to improve the situation and so far it has backfired on me! My score now is worse than when I owed!
Product: Debt collection

This Morning a process server called me from a Private number left a 48sec msg. Yawning and tiredXXXX XXXX. I will be served as a civil complaint Wednesday the XXXX and for more information reference XXXX and call XXXX. I called XXXX XXXX answered XXXX  and XXXX XXXX direct line XXXX.14min call about Wells Fargo account ending in XXXX. For {$830.00} with attorney fees was {$3100.00}. Account opened XX/XX/XXXX closed XX/XX/XXXX and I could settle for {$620.00}. The name is the name and not an acronym. 
I called Wells Fargo and the account dates do not match and the amount owed was {$400.00} and the are mailing me the last 3months of statements to confirm debt.
Product: Vehicle loan or lease

In XXXX of XXXX I took out a loan for a XXXX XXXX and my loan was with SYNCB ( Synchrony Bank ) the payment on this loan was {$410.00} per month on a 60 month term. I called them in XXXX to find out what happens to the overage that is showing on my loan with the payoff coming up in XXXX of XXXX. I was told that overage was late fees. They had charged me over XXXX late fees ( {$39.00} each ) in the time of the loan. However in XXXX when they billed me the balance of {$2200.00} I said I needed more time to pay. I always paid my payment before the end of the month and added extra many times to the payment to cover the fee. Per my credit report you can see I have never been noted as late with this loan until after the loan term when they asked for the total amount. By the way I paid the entire amount of {$2200.00} by bill pay with my bank before the end of XXXX XXXX XX/XX/XXXX they have just reported me as late when I have no balance left on my loan. 

This bank should not be allowed to do loans. They have extremely poor customer service!. They did not in my opinion apply my loan payments correctly but instead collected my late fees and added them to the end of the loan while charging me additional interest on them so they could make more money. They have no online system to update the consumer and provide current account info or records. When I asked for proof of the fees they charged they sent me XXXX statements in the mail. Not even in the same package but individually. 

I request this group be looked into for poor business practices Thank You!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 168c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections cellular phone account opened at XXXX XXXX under the account number XXXX with a balance of {$940.00}, multiple student loan accounts opened with the Department of Education XXXX under the account number XXXX, a hard inquiry opened with XXXX on XX/XX/XXXX, a hard inquiry opened with XXXX XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulant items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer 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.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

I have been constantly called by XXXX XXXX concerning payment on two accounts. I have answered the recorded message, yet still continued to get called every day. I went home the other day and on my phone message board were 16 calls. out of the 16 calls 14 of them were from this financial institute. The second issue is that they are hold a refund credit that I can not apply to either of the debts owed, nor am I apply to apply the credit card information to the debts owed. ..
Product: Consumer Loan

I went in to get a loan from spring leaf financial and the representative went over the benefits and features of the payment protection and life insurance. Quoted me a payment with it automatically added. I then declined to take the " optional insurance product '' She then continued to try to sell me the product even after I had declined and said I was not interested. She insisted that she needed to continue telling me the benefits and features in case I wanted to change my mind. They then told me how my rate was going to increase because I did not take the insurance so it put my loan just under XXXX. I then asked them can we increase the loan to the amount they were going to do with the additional insurance on there to get the lower rate and the woman said no. she said we would only allow that loan amount if you were going to take our additional insurance product otherwise we will not increase your loan to that amount if you are electing now to take it. She also then indicated that because I chose not to take it which would have increased the amount and reduced the rate that I would be subject to the higher interest rate. I tried to speak with the woman to say that this seems very deceptive and she said that it was how they did things and that it was an optional insurance product. To me it does n't seem right that they are willing to increase a loan amount if I buy their insurance but not if I do n't and that they are going to raise my rate if I do n't take it by changing the approved amount. Also they kept pressuring me to take the insurance after I had already indicated I did not want it.
Product: Debt collection

Midland Credit Management repeatedly called me during work hours after four request over a span of 45 days begging them to stop. I had just began gainful employment, explained my loss of income, wife in school, our XXXX XXXX  old and XXXX XXXX old ( born just after losing job ) .. They continue to exploit my work-focus and ability to earn, and earn reputation through harassment. Very upset with this company.