23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, SSN : XXXX, Date of Birth XXXX. Contents of complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the Equifax credit reporting agency block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate information consists of a personal credit card account with XXXX  XXXX opened XX/XX/XXXX under the account number XXXX with the balance of {$1000.00}, a credit card account with XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account number XXXX with balance of {$1500.00}, a credit card account with XXXX XXXX opened XX/XX/XXXX under the account number XXXX with a balance of {$100.00}, a car loan account with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX with a balance of {$7700.00}. These accounts have resulted in several fraudulent hard inquiries and charge offs appearing on my consumer FICO credit report. I have attached a list of the charge off accounts in question as well as the consumer FICO credit report maintained by which shows aforementioned fraudulent items. I do not recognize aforementioned accounts, inquiries and charge offs as reported. The aforementioned accounts, charge offs on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and charge offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned accounts, charge offs and negative items 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. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. You have no business continuing to report this on my credit report. I dont have any idea about this. 

FOR UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XXXX XXXX XX/XX/2023 Equifax XXXX XXXX XXXX XX/XX/2023 Equifax XXXX XXXX XX/XX/2023 Equifax XXXX XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX - XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX - XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax 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 of 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

I have reached out to XXXX and Enhanced Recovery on multiple occasions, through several different avenues, throughout this past year in attempt to dispute the following information that appears on my XXXX or XXXX and/or XXXX XXXX report ( XXXX ) : * Date of Last Activity * Date Reported * Date Opened * Closed Date * Last Payment However, this inaccurate information is still being verified and reported by XXXX and the credit bureaus each month. The information can not be both valid and different. Each bureau is reporting different data in each category. I request the XXXX account XXXX be removed immediately from my credit report with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX is in direct violation of my rights under FCRA by reporting inaccurately. 

Also when attempting to make contact in order to resolve my concern, XXXX refuses to assist and forwards me to Enhanced Recovery Company. When I contact Enhance Recovery, they inform me that XXXX is reporting to credit bureaus not ERC, therefor they can not assist with the inaccurate reporting. An ERC representative on the phone informed me they do not report data to credit agencies, they collect only and the information being provided is coming from XXXX XXXX. I have been sent back and forth between the two companies with no resolve. 

I can not verify or validate any of the information on my credit report concerning XXXX. I have contacted XXXX on several occasions but XXXX refuses to report accurately. 

I request account XXXX be deleted immediately from my credit report.
Product: Consumer Loan

Navy Federal Credit Union is still reporting my vehicle loan as late for 90 days. I paid this car off XX/XX/2014, so I am not late on this, and upon payment, they stated they would delete this off of my credit profile since I asked for this because derogatory information was showing on my profile. They performed a " bait and switch '' just to get my payment. I paid them in full, and they are reporting my account late. They need to remove this off of my credit profile or at least remove any late payment history they have for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

All those addresses, names, ss numbers are not mine!!!!!! My name is not XXXX XXXX. My ss number ends with XXXX, not XXXX, not the other one either. I never lived most of those places you said I did. You were not in my life you dont know where I lived, IT WAS NOT AT ALL THIS PLACES YOURE SAYING ITS A LIE
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THE FOLLOWING ACCOUNTS WITH ALL XXXX CREDIT REPORTING AGENCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS STATED THEY VERIFIED ALL THREE ACCOUNTS. EXPERIAN STATED THEY HAVE VERIFIED ALL THREE ACCOUNTS. ALONG WITH XXXX WHO HAS STATED THEY VERIFIED ALL THREE ACCOUNTS. ALL THREE CREDIT REPORTING AGENCIES ARE VIOLATING MY RIGHTS TO A COMPLETE AND ACCURATE CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Ive been a victim of an identified thief for over one year and I see some information or inquiries I dont make. I need these hard inquiries removed as were not authorized by me Name Requested On XXXX XXXX XXXX  XXXX XXXX date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX EQUIFAX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXI Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several collection accounts that have reported on my credit file that have been paid directly to the original creditor. The Credit reporting agency will not properly investigate and removed the item from my credit file.
Product: Credit card

Holds from car rental companies totaling XXXX have not been returned to my available balance. XXXX hold from XXXX XXXX  has been sitting, since on my available balance since XX/XX/XXXX. This company is usually reliable, but something has dramatically changed.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

These inaccuracies are preventing me from buying a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again i've went time and rime again over these negative remarks on my effecting my score. This has been really frustrating for me please help its been far to long for this.
Product: Debt collection

This is not a refusal to pay an alleged debt! AMERICAN COLLECTIONS ENT claims that I am obligated to pay them an alleged debt associated with account # : XXXX. AMERICAN COLLECTIONS ENT shall provide me with the original instrument of indebtedness ( signed contract ) or proof that it still exists. If AMERICAN COLLECTIONS ENT can not provide the original instrument or proof that it still exists, then AMERICAN COLLECTIONS ENT shall send me an original statement affirming that AMERICAN COLLECTIONS ENT did not sell the original instrument because if AMERICAN COLLECTIONS ENT didn't sell the original signed instrument of indebtedness ; then AMERICAN COLLECTIONS ENT should be able to produce the original instrument or note. Only the holder has the right to collect on an instrument and an instrument is not a typed or printed statement or payment history that lacks a signatory. I will pay the alleged debt when AMERICAN COLLECTIONS ENT produces the original instrument or proof that it has not been sold, which proves that I am obligated to AMERICAN COLLECTIONS ENT. Also please produce the trilateral contract between me ( consumer )XXXX XXXX XXXX XXXX  and AMERICAN COLLECTIONS ENT that shows I agreed to do business with AMERICAN COLLECTIONS ENT along with XXXX XXXX XXXXS or on behalf of XXXX XXXX XXXX. Truth in Lending Act as well as the freedom of information act says I am obligated to have proof of the original instrument of indebtedness. Again, this is not a refusal to pay but instead I am exercising my federally protected rights as a consumer!
Product: Debt collection

The called me on XX/XX/year> @ XXXX saying that they a company called credit court solutions XXXX in XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  utah XXXX. With a phone number of XXXX spoke with someone named XXXX saying that I owe a balance from XXXX and they are trying to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I got a debit in my checking account that I did not recognize from XXXX XXXX. The XXXX XXXX representative and I looked up the name on the Internet. XXXX is the abbreviation for an environmental agency. XXXX XXXX is a rap song. The rep closed my account and we set up a new one. XXXX  XXXX XXXX showed that the automatic draft was returned because the account was closed. XXXX  XXXX XXXX reported my payment late to the three credit bureaus and assessed a late fee. I had my credit union send me a letter explaining that my account was compromised and forwarded it to the credit bureaus and XXXX  XXXX XXXX. At the beginning of XXXX, I noticed that XXXX XXXX had debited my account again. The XXXX XXXX closed the account and reopened another one. I paid XXXX  XXXX XXXX from the new account. I contacted the XXXX, XXXX XXXX, and explained what had happened again. I also sent him a letter from my XXXX XXXX. He said that he could not make another exception. I called my credit union for help. A representative noticed the abbreviation might belong to XXXX XXXX XXXX. I was very surprised because they drafted for the past three years under Bank XXXX XXXX. I asked XXXX to make the corrections, but he refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Mr Cooper account # XXXX has violated my rights. 

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

15 USC 166B : A creditor may not treat a payment on account under open end consumer credit plan as late for any purpose.
Product: Checking or savings account

In XXXX 2022, I was notified via an old email address that a PNC bank account was opened in my name. I thought it was a scam email but decided to call the bank just in case since the email looked legit. Someone had opened an account with my information online and had access to online banking. I immediately contacted the bank and started the process to report it as fraud. I went into the branch and was able to report the account as fraud. I asked for a printout of the information and was able to determine the account was opened with my SSN, Name, Birthday and driver 's license #. HOWEVER, the address was a non-existent address, a fake phone number, and the license expiration date they provided, did not match my ID. I had already had a XXXX  lock on my file because of another account that was opened a week prior due to fraud, but PNC never used XXXX XXXX ( despite telling me they use it ) to verify any information. It has become SO easy to open an online account with addresses/phone numbers and incorrect license information which is ridiculous if companies ARE SUPPOSED to be using XXXX XXXX. I pulled my XXXX XXXX report, and none of the XXXX ( so far ) fraudulent accounts/banks used XXXX to verify my information. It is now XXXX 2022 and I am STILL receiving " Low Cash Mode '' emails from PNC bank, the issue has not yet been resolved... and the only reason I'm still hearing from anyone is because I've become annoying to the branch. My file has been " lost '' and " overlooked '' several times so I now check in with the branch WEEKLY!.. STILL waiting on a resolution despite being told that the account is closed and not available to anyone... so why do I continue to receive " XXXX XXXX XXXX '' emails on multiple email addresses for this account if it's " closed '
Product: Credit card or prepaid card

I received a Wells Fargo Platinum VISA card ( ending in XXXX ) in the mail that I had not applied for. I called Wells Fargo and they told me that someone had applied for the card online. I told them that it was not me and they told me they would cancel it. I asked how someone else could open a card up in my name online, but they would not provide any information. When I asked them to verify that nothing else was opened up in my name, they wanted to verify additional information on me. I called them and had already established my identity - enough for them to cancel the card. I asked what other steps would be taken in this matter - as far as an investigation, credit reporting, but was told that their responsibility ended with closing the account - that is not good enough. Wells Fargo should be going above and beyond in handling customer privacy, especially with all of the recent scandals and missteps they have made. I want additional actions taken by Wells Fargo on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I inquired to the school about getting my XXXX in XXXX I stated to the financial aid people that I wanted to pay out of pocket they stated to me several times no problem and then sent my information over to XXXX XXXX XXXX XXXX. So they took my out-of-pocket application money via my debit card and continued to send my information over that I did not agree with I never started class I never went to school we were just simply putting the paperwork together two days later XXXX XXXX XXXX XXXX  was trying to debit my account and I called the school back and they said they would fix it but they never did. now this company is trying to force me to pay for a school I never went to, never took a class in and charged me for it. I have talked to them several times but they told me I have no other choice but to pay for it. I have informed the school that they were dishonest and lied to me and I will report all of this to higher education this occurred in XXXX of XXXX the amount is for {$4200.00} the school is distant learning center and I spoke with a XXXX and Client Services/ the company is XXXX XXXX XXXX XXXX XXXX XXXX the person that I spoke with is XXXX. I am continue to be harassed every other week with phone calls it has been placed on my credit report and they're talking about suing me I've never went to school there I've never taken a class there and I don't feel that I should have to pay for anything that I've never done I don't care what agreement we were trying to do I have never ever used this company and I never wanted this company so I should not be pressured into anything
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been complaining with the CRAS for months ( XXXX, equifax, and XXXX  ) about the inaccurate and unverified items that they are reporting on my credit report. not only that the items that are more than 7 years never goes away and it is stressful and causing me not to get credit. also my personal information needs to be updated as well, please assist me in correcting this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I contacted Portfolio Recovery collection agency spoke with representative XXXX ( female ) to pay off a debt for XXXX XXXX, I was then told after asking to send a letter showing it was paid off and to also report on my credit bureau the same. The representative then said she would do so but to allow 30 days for it to reflect, after a year later it is still showing on my credit report as not paid. I then contacted them again on XXXX XXXX and the rep said it does show paid in full and that she showed it reported as of XX/XX/2021 but if I wanted it off my credit report I had to contact XXXX XXXX to get it removed. I am requesting a {$1000.00} due this affecting my credit after a year of this being paid or immediate removal of this negative and incorrect information on my credit report. 

XXXX XXXX XXXX
Product: Student loan

I XXXX XXXX, agent on behalf of the XXXX XXXX Principal am requesting you to PROPERLY REMIT my 1099c and send me copy B. I need you to do this as soon as possible so that I can Accurately File my 1040 with the IRS . Due to you all acting as Trustee for Nelnet, I also need you to deposit my security I provided for you into my Treasury Account. If you have any questions or concerns please feel free to call me at XXXX. Ive scanned EVERYTHING everything for my records should I need to get the IRS and Securities Exchange Commission involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX Credit Report I see a Hard Inquiry on XXXX, 2021 from NETCREDITXXXX I didnt request any new loan or credit card in months. So this Hard Inquiry was not authorized. I have sent emails to this company, their response- they wanted me to log into my account- which I do t have to continue communications with them. I responded that I dont have an account or login, I havent receive anymore communications from them I have sent letter to both XXXX and XXXX notifying them that this was an unauthorized inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data  breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been on an automatic payments schedule with Heartland, XXXX, for a student loan. I pay a small amount quarterly on this student loan, which was not debited last period unbeknownst to me. I was never notified of that my account was late or that my account was taken off of direct debit of scheduled payments which it was on previously. I called into customer service when I saw on my credit report that there was a 30 late notice. I was told by the customer service of that this delinquency will be corrected at the credit bureaus since there is a record that I was supposed to be on a payment schedule and which was removed for an unknown reason. Unfortunately, this correction has not happened as yet.
Product: Credit card

Wayfair Citi Bank credit card amount {$9500.00} XXXX XXXX XXXX XXXX credit card amounts XXXX XXXX XXXX Credit card amounts {$1200.00} XXXX Credit Card amounts {$1000.00} XXXX  Credit Card amounts XXXX XXXX XXXX XXXX XXXX  amount {$720.00} XXXX XXXX  Credit Card amounts {$1100.00} These accounts were opened in my name without my permission nor knowledge of these accounts. I DID NOT GIVE PERMISSION FOR THESE ACCOUNTS TO BE OPENED.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : auto loan not mine XXXX XXXXXXXX Reported : XXXX XXXX, 2022 {$1600.00} Needs Attention FCRA Violation : Collection not mine XXXX XXXX XXXX XXXX FCRA Violation : address not mine XXXXXXXX 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

On XX/XX/XXXX I contacted XXXX XXXX XXXX informed them Im a victim of identity theft and the account they are trying to collect is indeed fraud supplied a police report Theft affidavit And official FTC report my Attorney is now pursuing legal action against the creditor and credit agencies as of XX/XX/XXXX For reporting fictitious allegations and fraudulent debt Also I have informed XXXX /Experian and supplied the information as well this has caused me emotional distress and now Im seeking to recover from this situation with legal action
Product: Student loan

XX/XX/XXXX {$2600.00} XX/XX/XXXX{$3500.00} I have tried numerous times to talk to them about some type of payment plan and they refuse to help me out
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have asked for your assistance to dispute these irregularities I have found when I asked for my credit report from the bureau.