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

Subject : Request for Blocking and Deletion of Accounts and Inquiries Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these entries removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE DELETE THE FOLLOWING ACCOUNTS AND INQUIRIES ; 1. Pursuant to 15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) I did not initiate nor authorize this agency to obtain my report. It was not a firm offer of credit or insurance. 
EQUIFAX MTG Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
2. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments. There Should be no late payments on this account XXXX XXXX Account Number : XXXX Please send proof of missed payment, otherwise remove 30 days late from my Late Payment Status 3. Pursuant to 15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) I did not initiate nor authorize this agency to obtain my report. It was not a firm offer of credit or insurance. 
XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, & XXXX  have not been responding to any of my disputes! I have been disputing items on my credit report and NON of them have responded to me. I have been patient because I understand that COVID has caused some delays but it is getting ridiculous. Under the law they still have to notify me and respond within 30 days!! There are erroneous items on my credit report that need to be removed immediately.
Product: Debt collection

I received a written notification of a debt that I have nothing to do with.
Product: Debt collection

The amount this company is trying to collect I'd not the correct balance owed. I had a security deposit that was supposed to be deducted from what supposed to have owed. Also this is not the correct amount of judgement. This company is trying to collect more than was not owed.
Product: Checking or savings account

I'm a victim of Identity Theft, There are XXXX cash app accounts open in my name that I'm not aware of. the cash app symbol name is $ XXXX that I didn't authorize to open in my name and the XXXX cash app account i'm not aware of is $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since mid XXXX Equifax has not been able to give me an accurate credit score. XXXX and XXXX have my credit at 700+. Equifax says my credit doesnt exist. I have filed XXXX disputes, both of which did nothing to fix this problem. Im unable to dispute this error with them because its not an option since they show I have no credit history whatsoever. Ive attempted to talk to customer service over 15 times and their only answer is to mail my personal information which Ive done 5 times.
Product: Credit reporting or other personal consumer reports

I am writing to formally request, pursuant to my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ), that you provide physical verification of the original signed consumer contracts for any and all negative accounts that are currently being reported on my credit file.

Specifically, I am requesting the following : 1. A copy of the original contract bearing my " wet ink '' signature for each account that is currently being reported on my credit report.

2. Physical verification that any and all negative accounts in my name were initiated by me with my full consent, and that you have the necessary documentation on file to support this. 
If you are unable to provide the original signed contracts, I am demanding that the below accounts be immediately deleted from my credit file, as they are not properly verified as required under the FCRA. 

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

XXXX XXXX XXXX XXXX XXXX [ XXXX, NY, XXXX ] XXXX XXXX  XXXX ) ( XX/XX/year> ) Early Warning Attr : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AZ XXXX Subject : Opt-Out Request Pursuant to 15 USC Code 1681b Dear Sir/Madam, Iam writing to formally request the opt-out of my personal information from being XXXX with Early Warning Services, as permitted by the provisions outlined in 15 USC Code 1681b. I believe it is within my rights as a consumer to make this request, as there has been no formal written instruction from me to furnish or share my information with your organization.

According to the regulations outlined in 15 USC Code 1681b, I am afforded the right to control the dissemination of my personal information for various purposes, including those related to consumer reporting agencies. Specifically, section 1681b ( c ) ( 1 ) CA ) stipulates that *a consumer reporting agency shall not furnish any consumer report containing any of the following items of information* unless certain conditions are met. In my case, I am not aware of having prov i explicit consent or authorization for my information to be shared with Early Warming Services.

Given the above, I kindly request that you take the necessary steps to ensure that m personal information Is no longer shared or utilized by Early Warning Services. This. but is not limited to, ceasing any communication, data exchange, or reporting involving my information to your organization.

I would appreciate your prompt attention to this matter. Kindly confirm in writing once my request has been processed and my information has been opted out of Early Warning Services ' data sharing activitles. You can reach me at the contact information provided above if you require any further details or clarification.

Thank you for your cooperation in this matter. I trust that you will handle my request with the urgency and professionalism it deserves. I look forward to receiving your written confirmation of the successful implementation of my opt-out request. 
Sincerely, XXXX XXXX
Product: Consumer Loan

Drivetime incorrectly added negative information to my credit report stating that I had a late payment. I contacted them and requested that they remove it. Instead of completely removing it, they changed it to an older month but it 's still on my credit report. This is my XXXX car that I have financed with them and I have been a model customer for the entire time.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are reported inaccurately because if you will check the report it shows that the dates, payment histories and other information are different across the reporting agencies. I have a bunch of victoria secret 's account reported with the same issues.
Product: Debt collection

I received a letter from DS Erickson, an attorney, on XX/XX/XXXX, alleging that I owe a medical debt from XXXX XXXX of {$1300.00}. I have also received notice of the same amount from two other credit collection services, also alleging the same debt. I filed complaints with CFPB for these also. The debt is allegedly from services never received from the XXXX XXXX in Arizona. I completed my medical care with XXXX in XXXX, and received a XXXX XXXX XXXX   that was fully paid by XXXX XXXX as XXXX. I was told there would be no charge to me for the quarterly monitoring of this device. I began receiving bills for monitoring of the device last year : apparently the XXXX device calls XXXX XXXX without me knowing and send them information about my device. I have not gone to XXXX clinic, nor did I call them to monitor the device. This device calls on its own, and then XXXX sends me a bill each time the device calls them for over {$450.00} for each call. I have no ability to stop these calls and I did not authorize them to call or for any services. Again, when XXXX installed the device they promised me that all future monitoring would not be charged to me since this device was implanted at no charge to me as charity.
Product: Debt collection

After contacting the company by email, phone and through the XXXX, the company replied with information to identify me that was incorrect. For example : my name was not spelled correct in there system and my address and phone number were not mine that they had. I spoke with a women by the name of XXXX as well and faxes over police reports and complaint filed with the FTC identity theft report. The company which goes by PCI preferred credit inc. has refused to delete this account from my credit report and has caused my credit score to decrease by over 124 points.
Product: Debt collection

I have contacted Enhanced Recovery and XXXX about a debt on my credit report that does not belong to me. The debt is listed on my credit report as XXXX. I have sent numerous correspondence requesting validation of the debt that includes my signature and authorization. XXXX has not provided me with the requested information. Therefore, I am demanding the account be removed from my credit report. The dates that I sent certified letters to XXXX pertaining to this debt are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

On XX/XX/21 I purchased a XXXX from Nissan in XXXX on XXXX XXXX XXXX XXXX We paid with a check in full, but the finance manager, believe XXXX XXXX, processed it as a financing " to wait a couple of days until personal check clears ''. The check cleared in XX/XX/21. But at the end of XXXX we received a notice from DMV that Nissan is the lienholder. I have called countless times - every person just transfers to the next without doing anything. We emailed XXXX XXXX at financing department on XXXX he never replied. There is still a lien on our fully paid car and nobody wants to fix this problem. Terrible customer service.
Product: Debt collection

Received a letter on XXXX from XXXX XXXX XXXX XXXX claiming I owe PayPal, Inc. {$9400.00}. This is not my account and paypalXXXX shows a XXXX balance for my account.
Product: Credit card or prepaid card

I had a HSBC credit card taken few months back and used it for making purchases and also paid the amount in time for the initial statements. I don't know that my card is been blocked for security reasons and even I'm blocked from paying payments towards the amount used in the credit card. Its been almost 60 days by now that my card is been blocked and tried to reach them for 32 times waiting each time for 1 hr and my issue is still not resolved. 

Every time I make a call to them they say that this is not the concerned department and transfer the call to some other department and make you to go around making you to wait for almost a day if you want to stay on the call. The longest wait time I had on call is around 3hrs and this is one of the worst customer service you will come across.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, OR XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$33000.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$33000.00} XXXX XXXX Balance : {$12000.00} XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, OR XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous inquiries on my credit report that I do not recognize and have not authorized these companies to pull my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  see XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX have written XXXX, TransUnion, and XXXX numerous time to have them remove and they have not done so. They are violating my rights as a consumer by promoting identity fraud and in accordance with the Fair Credit Reporting Act, has violated my federally protected consumer rights to privacy. 
15 U.S.C 1681 Section 604 A section 2 : It states that a consumer reporting agency can not furnish an account without my written instructions and I have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I got an alert from XXXX, XXXX and XXXX that AMEX reported that XXXX credit cards accounts had been open. They reported it as a charged off with a balance. I advised the agent that I've never had an AMEX XXXX. I have been a victim of identity theft in the past. I have filed a police report and FTC report. Please investigate AMEX for violating my consumer rights and for falsifying documents. This had hurt my ability to obtain credit. I was in the process of buying a home. now i have to withdraw.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have report applied bank as a fraudulent account I even call email them sent theft report to them they still reporting this account .then XXXX is reporting old data to the creditor who is trying to let me have loans a call them the same guy put 14 hard inquiries on my credit.. I believe this is a inside job to stop me as a XXXX XXXX to get any thing in life..also XXXX made agreement to remove late payment and accounts but didn't remove them..XXXX agree to remove late payment but didn't do so .XXXX XXXX..was a fraudulent account by a credit repair company and also XXXX XXXX XXXX..was by the same credit repair company..but they want remove the late payment or the account.. 
...
Product: Debt collection

Collections Bureau of America has reported an unverified collections account on my credit report. I am demanding that they provide the original documentation with my wet or digital signature via mail. If unable to provide that information I demand that the unverified collection report be deleted/ removed from my credit report with all repositories. Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) it is required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could be fax, mail, or email in a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Advanced Collection Bureau continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that Advanced Collection Bureau reported this entry to my reports on XX/XX/2019, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. Once I became aware of this negative entry on my credit report, I immediately began disputing. 

My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Advanced Collection Bureau. To that end, I sent a letter to Advanced Collection Bureau ( see attached ). To date, this company has not provided any documentation bearing my signature or proving the validity of the entry they are continuing to report. Advanced Collection Bureau is unable to furnish the original terms and conditions agreed to as well as any and all terms and conditions that were enforced after the original terms as per the alleged original creditor, XXXX XXXX XXXX. Additionally, they did not respond with a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payment posted, charges made, and date of charges posted. In my correspondence to them I requested copies of all documents sent to me regarding this account ; again they did not oblige. Lastly, they did not prove the statute of limitations had not expired on this alleged debt. 

Advanced Collection Bureau is a copy of the financial responsibility page as requested, nor did they provide a copy of the signature page with the provider of service to release my alleged information to them, as well as cease any credit bureau reporting until the debt has validated by me and they did not cease.

It is obvious that Advanced Collection Bureau is not able to validate their allegation with documentation ; therefore, in the absence of them responding with any documentation to substantiate the alleged debt with signatures, this entry must be removed from my credit reports immediately. It has been long overdue for them to respond and they've not ; therefore, delete this entry immediately.
Product: Credit reporting or other personal consumer reports

THIS STORY WOULD BE FUNNY IF IT WAS FICTION! 
For the past XXXX years I have maintained an immaculate credit history. Armed with that knowledge, in XXXX XXXX XXXX XXXX issued me a credit card which I used to support a very small business I owned. Monthly statements were always paid promptly. A decade later I had very little use for the card, and no monthly statements were received when there was no card activity simple enough. Yes, I probably should have closed the account. 

In XX/XX/XXXX we moved from XXXX XXXX XXXX. Prior to the move I sent out Change of Address notices to all creditors, insurers, banks, etc. XXXX XXXX XXXX was so notified. My use of the credit card at the time was nil. I continued to receive a great FICO score ( Attachment XXXX ). Long after my move, unbeknownst to me, XXXX XXXX automatically billed an annual service charge of {$110.00} to the card. I was unaware of this transaction and XXXX XXXX XXXX never sent a credit card statement to my new address ( and none were forwarded from my previous address ). 

In XXXX XXXX XXXX XXXX debt collectors located me and demanded payment for the delinquent XXXX XXXX plus interest and fees. Its interesting to note that XXXX had my phone number all this time and could have simply called me, just like all banks do when prowling for new credit card prospects. After explaining the situation, XXXX agreed to drop interest and fees. I paid the balance that same day ( {$110.00}, XX/XX/XXXX ) and considered the matter closed. Periodically I continued to track my XXXX score from various sources and it was always in the XXXX range. 

In XX/XX/XXXX after a national consumer data breech, I received a free credit report from Experian with a markedly lower FICO score of XXXX! ( Attachment XXXX ). The only adverse entry was negative account activity from XXXX XXXX XXXX, and it incorrectly recorded the sequence of events described above. Contrary to their misrepresented entry in my credit report, I never received a credit card statement for the charge, I was never aware of any balance ( because I had not personally used the card for years ), and when notified I paid the balance immediately. Despite numerous discussions with XXXX representatives, who acknowledged my excellent credit history, they claimed federal laws prevented them from correcting their error. 

I immediately reached-out to Experian for assistance. They understood my situation and filed a dispute with XXXX XXXX XXXX. It was denied without explanation. 

This complaint is filed in an attempt to rectify the unjust and inaccurate negative account activity report by XXXX XXXX XXXX with hopes of restoring my traditional, well-earned credit history.
Product: Credit reporting or other personal consumer reports

Greetings! I am truly thankful to you for addressing some of the fraudulent items on my credit report due to alleged fraudulent activity. However, I have noticed that several items still need to be removed. This message serves as both a follow-up and a new complaint to emphasize that I am a victim of inaccurate reporting. I am disputing the remaining items on my credit file because they reflect misleading information. The disputed items do not correspond to any transactions I have made or authorized involving goods, services, or money. Please remove any information in my credit file resulting from these inaccuracies. These items are unknown to me, and some accounts have already been deleted by other bureaus, raising concerns about their accuracy and the reported payment history on certain 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Inquiries on my credit report. I have reached out to Equifax numerous times about the negative inquires on my credit report. I have asked that the following inquires be removed and they were not. XXXX XXXX, XXXX, XXXX, and XXXX XXXX are on my credit report.They sent me a letter saying the inquiries were verified. I am asking for validation and proof that it was me who applied for these. Equifax did not send any proof on how they were verified. I am sure they did not reach out to the companies regarding this matter. I am asking that the following companies be removed from my report immediately.
Product: Checking or savings account

In XXXX of 2023, I was traveling to XXXX and XXXX XXXX with my family. Per Schwab 's request, I added a travel notice for XXXX and the XXXX in advance. I was declined immediately upon trying to use the card. When I called, the representative blamed their third party ( not an excuse ), specifically Visa, for causing the issues. Took a long time on the phone to have this resolved. 

Fast forward, today is XX/XX/2023. I just spent 45 minutes trying to withdraw money from an ATM. After the first attempt, Schwab texted me to alert me of the blocked withdraw due to Fraud. That's reasonable. I texted back to confirm the transactions were in fact me. I try to withdraw money again - declined. I call Schwab and am able to once again, confirm this was me. I try a third time- declined. I call Schwab back and ONCE AGAIN confirm this was me. Now I try a fourth time- declined. This time, I called Schwab to discuss with a live rep. She verified my identity, and then put me on hold to contact the Visa team. She comes back and said Visa cleared it, let 's try again. Once again - declined. She puts me on another hold to talk to Visa. Visa comes back and blames the ATM and the card itself ( which is relatively new ). Try a different ATM- still isn't working. Doesn't seem to be the original ATM 's issue.

I've only had the card for a little over a month, and I've already spent hours trying to clear issues with them. Completely unfair and causing negative impacts to consumers.
Product: Credit card or prepaid card

I have paid XXXX, XXXX, XXXX and XX/XX/2020 on the date the money was due, and Discover refuses to refund the money.