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

Someone went to this store and requested financing with my information without my authorization. 
I request financing for XXXX in a named store : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The financing company is called XXXX ( XXXX XXXXXXXX XXXX XXXX ) by placing an email : XXXX Details about what happened Phone : XXXX and using these addresses : XXXX XXXX XXXX XXXX  XXXX Fl XXXX XXXXXXXX XXXX XXXX XXXXXXXX Fl XXXX And mi SS number I have never been to that store, I have never bought anything from that store and I have never used XXXX to finance anything. I have already filed a police report about it.
Product: Credit reporting or other personal consumer reports

I XXXX reported this I did not make theses changes there are XXXX accounts where both cards was used theses card again my identity was stolen. 

Account XXXX Recent XXXX XXXX {$460.00} as of XXXX .... 
ance XX/XX/XXXX Date opened XXXX XX/XX/XXXX Account charged off. 
{$560.00} written off. {$460.00} past due as of XX/XX/XXXX. 
+ Dispute Account name XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX {$10000.00} as of XXXX... 
ance XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off, {$10000.00} written off. 
{$10000.00} past due as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX to XX/XX/XXXX, I've even sent certified mail to all 3 B in its bureaus about my Name being wrong addresses. Wrong Loan info. Credit cards From XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX were supposed to be removed completely removed. I never had those cards physically. also Hard inquires i asked to get removed that were not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these are not mines or did i have knowledge of them being used or authorized. 
I want them all removed, and i want all hard inquiries removed please than you
Product: Debt collection

I began receiving phone calls from Outsource Receivables Management ( XXXX ) about a month ago ( early XXXX ). When I spoke to the representative I asked where the debt they are trying to collect originated. I gave them my phone number as it is the one used by their auto-dialer and where they left voice messages. The representative stated that they could not find my phone number in the system, nor could they find my name in the system. I was advised to " just block the number. '' I did just that, I blocked their number. 

Now, every other day I receive a Voicemail from Outsource to contact them. The phone doesn't ring as I have it blocked, but will allow them to leave a voicemail. I have called them back SEVERAL times trying to have them either 1 ) Tell me what debt they are trying to collect ( they can't ) or 2 ) Delete/erase my contact information from their system ( they can't find ANY of my information in their system ). 

The ideal resolution for this is for them to stop harassing me with these unwanted phone calls or tell me what debt they think I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting 8 student loan accounts across all three bureaus XXXX Equifax, XXXX and XXXX ) unlawfully. XXXX has violated my right to privacy by communicating this alleged debt with these consumer reporting agencies. Reporting this alleged debt to these consumer reporting agencies has caused harm to my reputation and is defamation of character. On XX/XX/21 I sent XXXX an Affidavit of truth with exhibits ( proof ) of these violations, a debt validation letter, a Cease and Desist with my specified remedy and an invoice demanding {$6000.00} to remediate the damages caused by the 6 violations of my consumer rights. These documents were mailed to XXXX via Certified Mail with return receipt.
Product: Checking or savings account

I 've discovered these charges I 've been billed for merchandise I never ordered or received. Some funds where returned but then taken away again. 

XXXX XXXX, XXXX XXXX E-PAYMENT - {$300.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$49.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$170.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$1500.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$2000.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$580.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$290.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$1400.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$2200.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX My social security number incorrect, names on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter to TransUnion, XXXX and XXXX regarding inaccurate and unknown things on my credit report. 
To this day 90 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 90 days so it should be deleted promptly. 
I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.
Product: Student loan

I received 2 emails saying I had not made a payment and I did. I even have the confirmation number # XXXX. I did not received a statement in the mail for this month, I called to report it. I received calls, one of them was on XX/XX/2017 @ XXXX during my working hours, when I specifically answered on my paperwork not to contact via phone, I chose the method of contact by mail.
Product: Credit card

I have become a victim to identity theft. Under 18 U.S. Code 1028A - Aggravated identity theft and under 15 U.S. Code 6802 - obligations with respect to disclosures of personal information, the credit and/or Credit Reporting Agencies do not have permissible purpose with respect to 15 U.S.C 1681B are in violation of reporting my private and personal information with respect to the FCRA. Under 15 U.S.C 1681n civil lability for willful noncompliance {$1000.00} payment, that I am entitled to. I will be placing complaints with the CFPB, the Attorney General, and the XXXX  major Consumer Reporting Agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to TransUnion on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 


XXXX XXXX XXXX XXXX Balance : {$27000.00}
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLANT. I'm not using any XXXX  party for this matter and represent myself by myself. I'm sending this complaint because Equifax Credit Bureau is reporting hard inquiries on my report that I have not give consent for and they are result of fraud ; I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the XXXX. 
On XX/XX/XXXX I have submitted my complaint against Equifax regarding hard inquires on my report that I have never authorized, and Equifax Credit Bureau HAS RESPONDED BACK to me on XX/XX/XXXX that next HARD IQURIES WERE DELETED : XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX  XXXX ; XXXX XXXX  XXXX ; XXXX XXXX  XXXX. 
AS OF TODAY XX/XX/XXXX I SEE THESE HAD INQURIES ON MY CREDIT REPORT, that being said, EQUIFAX RESPONDED TO CFPB AS THEY DID CORRECTED MY CREDIT REPORT AND THEY DELETED ITEMS THAT HAVE BEEN PLACED BY FRAUD BUT EQUIFAX DID NOT DELETE THEM and these ITEMS STILL ON MY CREDIT REPORT FROM EQUIFAX. IT IS A VIOLATION OF FCRA LAWS AND MY RIGHTS AS A CONSUMER. 
The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. XXXX is reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. I have filed FTC report for this matter. Please remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC report. 
I HAVE ALSO ATTACHED A COPY OF MY FTC REPORT THAT I HAVE FILED ON THAT TIME IN XX/XX/XXXX so YOU CAN SEE THESE INQURIES THAT EQUIFAX SAID HAVE BEEN DELETED BUT THEY ARE STILL THERE.
Product: Credit card

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

I was advised to report this be for taking legal actions against Ollo card services. So, I am reporting Ollo because they robocalled / automated phone called with a pre-recorded message at XXXX on XX/XX/2023. I mention this because preceding court cases/ lawsuits in various courts have ruled that the calling time is to be based on the time zone of where the cellphone number is based, for which my area code is XXXXand in the central time zone. Whats really important here though is the fact that I have audio proof of a robocall phone call with a pre-recorded message in it as well as screenshots proof of of the transcript of this electronically pre-recorded message that was left in my voicemail box. I have been advised that by Ollo leaving this pre-corded message that was then, repeated to my voicemail and recorde by it is actually ol legal under federal laws, this is according to federal laws and regulations of the Fair Debt Collection Practices Act ( FDCPA ) as well as the Telephone Consumer Protection Act ( TCPA ). I have also been advised these acts, laws and regulations were designed to protect me from these time of pre-recorded robocalls, whether on my cell phone or a landline and either left as a voicemail or played to me or another person, if I/ they happened to pick up is illegal for Ollo to even do. If I need to cite these cases please let me know. Im filing this with the CFPB and possibly reporting this to the FTC, if need be. Im also exploring suing Ollo for these violations of both the Fair Debt Collection Practices Act ( FDCPA ) as well as the Telephone Consumer Protection Act ( TCPA ). Im well aware, of cases where companies like Ollo were sued and found guilty for doing as Ollo card services did and called my number with a pre-recorded mesage and found guilty in violation of the laws and regulations. Below, I submitt the transcript of the illegal pre-recorded recording that Ollo left on my voicemail. Hello this is XXXX XXXX from XXXX XXXX XXXX  please call me for any of our Ollo card service representatives today at XXXX Again, this was a pre-recorded recording left on my voicemail in violation of the FCC rules and regulations as well as Telephone Consumer Protection Act ( TCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX and TransUnion online and I also sent out my credit report along with my dispute and supporting documentation via Certified Mail. It is pass 30 days and I still haven't gotten a response. Section 609 of the FCRA states that you must investigate my dispute within 30 calendar days from my initial letter. As they have failed to do so. I sent my first dispute letters via mail XX/XX/XXXX and I sent my follow up letters XX/XX/XXXX via mail. Please help me correct this issue. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to contact Equifax about the fraud accounts on my report and no one will help me. They keep adding things on my credit report that is fraud and I am a victim of identity theft. They have removed somethings but then they add it right back. I also sent in several police reports and they are still not blocking the accounts that are fraud. They are violating the fcra and me as well. I am a victim of the data breach as well as identity theft that was also sent to the hackers and they keep wanting me to send more of my personal information to them so that the hackers can keep stealing my information. I just want them to block the fraud accounts that are on my police report and they are not doing what is required by law. I need this resolved imediately.
Product: Credit reporting or other personal consumer reports

To whom it may concern : The Fair Credit Reporting Act ( FCRA ) allows me to dispute any information on my credit report that I believe is inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting and can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards XXXX XXXX, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving you XXXX  days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case.
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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

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

I, XXXX XXXX XXXX am the victim of identity fraud company name XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  have fraudulent accounts on my credit profile that needs to be moved immediately.
Product: Credit reporting or other personal consumer reports

So, I continue to fight with this company about this debt that does not belong to me. They send me billing statements that at an address that I never lived at, from as far back as XXXX. I am XXXX XXXX XXXX, I have a son XXXX XXXX XXXX. I have a current XXXX account in my name. 
There is no payment history on this account, you send me bills from XXXX, but this account also says it was opened in XX/XX/XXXX and has different last active dates from both Experian and XXXX. 
Please remove this account for the continued mistakes and lack of validation. XXXX has already removed this account.
Product: Debt collection

Ford Motor Credit has violated my rights as a consumer. 

I want to request the cfpbs help because I dont know what else to do. 

This company has commited multiple violations to the Fair Credit Reporting Act, and nobody is doing anything about it. Please see the following violations they have committed : 1. Failing to investigate account after receiving my dispute notice. 
2. Reporting incomplete information.

3. Different report across bureaus.

Please send the attached documents to Ford Motor Credit.

Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the errors on my credit report multiple times but it is still showing on it.
Product: Student loan

I have had a monumental problem with Wells Fargo student loans. I have had these to loans under a single loan for years. Since I 've recieved these loans they have been running my money in ways that cause me late fees. Every. Single. Time. I send in my money every month and they put it in XXXX of my loans and never the other therefore I 've paid well into the Thousands of dollars so far. I have complained numerous times even multiple times a month to have this issue fixed and all that 's happened is me paying more unjustified fees on the simplest of transactions. I actually OVERPAY monthly to pay off my debt faster and yet they divide it in their favor. I have records of every payment every made to them I just ca n't get them to credit back all my money that they have basically stolen from me. As of recently they " lost '' my monthly checks, even with faxed in proof from the bank it was made to them they denied it and basically said tough luck. My Wells Fargo loan has absolutely demolished my credit and cost me incredible amounts of money in fraudulent fees, all for a higher education.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX These are not my current addresses. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to my current address : XXXX XXXX XXXX XXXX XXXX, PA XXXX. According to the act, there shall be no charge for this updated report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report.

Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX  Account Number : XXXX Balance : {$46000.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account.

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$1700.00} Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$1500.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.

Inquiries : Experian : XXXX XXXX XXXXXXXX on XX/XX/year>XXXX XXXX XXXX on XX/XX/year> XXXXXXXX XXXX XXXX on XX/XX/year> These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX : XX/XX/1966 Last XXXX : XXXX XXXX, XXXX and Equifax failed to provide a debt validation for alleged debt to XXXX XXXX account XXXX. I would like XXXX, XXXX, Equifax to remove the account, because they were not able to validate the debt under FDCPA.