23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Trying to purchase an RV motorhome from said person on the internet working under the personal name of XXXX XXXX. Told us to give his dad XXXX XXXX of the business of XXXX XXXX in XXXX, XXXX a call for communication. Phone number provided was XXXX. He provided all personal and business information that was necessary for transaction. After multiple phone calls, text messages, online messengers was told to wire the money to Wells Fargo Bank and vehicle was set to be transported and delivered. Said person was able to provide copys of title and all necessary information for purchase. Money was sent on Friday, XXXX with the expectation of unit to be delivered Monday/Tuesday of the following week. On Monday XX/XX/XXXX at XXXX XXXX with Wells Fargo Risk Loss Prevention ( XXXX ) contacted us stating there was suspecious activity with wire and wondering if we would authorize the release of funds. We told them to not release the funds and we would check into the situation. She provided a reference number ( XXXX ) to contact them back with at phone number XXXX. They obviously called me for a reason. On Wednesday morning XX/XX/XXXX, we contacted Wells Fargo with reference number and spoke with XXXX to not release the funds as there was fruad that had occured. They told us to contact your bank to have them start the process. We asked them if they thought we would get the money back, they replied yes. On Friday XX/XX/XXXX they contacted our bank ( XXXX XXXXXXXX XXXX XXXX XXXX  ) and told them the funds were gone and no longer available. 

We have tried multiple times to contact Wells Fargo to get more information, figure out what happened, talk to an upper management, etc... There response has been, they don't have manager, have hung up the phone multiple times and refuse to provide any information as to the situation or the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX are reporting an account that should not be reporting on my credit report. The account is XXXX XXXX. The account was sold to another lender XXXX  which was already reporting on my credit report before it was removed. I am requesting that the account be removed due to double jeopardy and the fact that the information is inconsistent between all 3 bureaus when all data furnished should be the same. Delete this account from my credit report immediately. I will attach the credit report showing the different payment history being reported. The account is highlighted.
Product: Debt collection

As of XX/XX/2022 MIDLAND CREDIT MANAGEMENT INC. sent a letter attempting to collect debt against me of {$2200.00}, the consumer, and additionally threatend to take the debt to an attorney for a lawsuit. they have consistintly tried calling me and sending mail. this is against the FDCPA.
Product: Credit reporting or other personal consumer reports

Incorrect names that are not me are listed on my credit report- I have been affected by multiple breaches and it is reflecting
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX to validate and check for inaccuracies. They sent me a letter by mail stating that all information was correct and validated. I have done my own investigation and for inaccuracies. I have a right for my credit report has inaccurate information is discovered in your file, the consumer reporting agency must examine the disputed information the consumer reporting agency has a responsibility to remove it. 

XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account US DEPT ED XXXX Validate Account In accordance with the Fair Credit Reporting act these accounts that are listed above, has violated my rights. 

15 U.S.C 1681 States I have the right to privacy.

15 U.S.C 1681 Section A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00}
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX Reported : XX/XX/2020 XXXX XXXX XXXX  XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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 XXXX and Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$35.00} ; XXXX XXXX XXXX XXXX Balance : {$40.00}.
Product: Credit card

I followed all directives from the bank to update my account information, yet they closed my account without prior notice. This has caused significant inconvenience and disrupted my financial activities. My attempts to resolve the issue with their customer service have been unsuccessful.
Product: Debt or credit management

I have been attempting for 3 years to change get a new password so I can access my info. This most basic of all customer service functions is IMPOSSIBLE with this HORRENDOUS company. I find it impossible to believe that this epic lack of capabilities is confined to me and has not been well documents. This company has the favored position of being a govt sanctioned organization to help consumers and they blatently dont deliver and do great harm in the process. I have lived with this issue until now because i am applying for a credit card that only uses Experian and i cant get through to unfreeze my acct. ( I did a blanket freeze across all of the bureaus a few years ago due to an identity theft i encountered. ). 

Experian makes it impossible to get a human on the line and offers no FUNCTIONAL online support as an alternative. THIS IS UNACCEPTABLE.
Product: Credit reporting or other personal consumer reports

As of today, XX/XX/year> to my knowledge, my Experian account has been compromised and the attacker has changed both the email and phone number associated with the account, and I've tried calling multiple Experian support lines however they always just direct me to a robot and not an actual person. This robot will not allow me to either change the information associated with the account or direct me towards an actual person on the line either. Thankfully so far nothing has been taken, however I've been receiving multiple amounts of emails of an individual attempting to get inquiries in regards to loans using my information, and I did put a security freeze on all three Credit Bureaus but the only one I've noticed with an account being compromised is Experian.
Product: Debt collection

I keep receiving a collections from XXXX XXXX FKA XXXX XXXX XXXX XXXX  regarding some bank overdraft fees. Accts. : XXXX $ XXXX {$110.00} The last collections came from Transworld Systems XXXX Inc ( TWI ) their files XXXX XXXX and XXXX XXXX. 

I have requested the proof of debt which I received from TWI on XX/XX/2021. Upon examing the proof of debt, I found out the person who opened and used the bank account had the same name as I, but absolutely a different person. Further, the address provided on both bank accounts was never my address. On XX/XX/2021 I sent a certified mail to TWI explaining this debt was not mine and to a cease and desit any communication with me unlex they could actually prove that I was the one who opened and use those 2 bank accounts. 
For my dismay, yesterday, I received another collections letter from TWI. 

This situation seems to be their modus operandis, where they keep harrassing law abiding citizens violation their FDCPA rigths. 

I want the bank to cease and desist this collection effort together with TWI and or any other collections agency. 
If the resolution is not satisfatory, I will pursue the matter legally. 
I sincerely hope you can help me resolve this matter cleaning my credit and good name. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On my credit report, there are XXXX entries for a XXXX XXXX Bank account with the same account number ( # XXXX ). XXXX account is listed as opened on XX/XX/XXXX, and closed in XX/XX/XXXX, while the other account is listed as opened on XX/XX/XXXX, and closed within the same month. 

Both entries are outdated and should no longer be on my credit report, as they fall outside the seven-year reporting limit set by the Fair Credit Reporting Act ( FCRA ). These accounts have been closed for more than seven years and, per FCRA guidelines, are ineligible to remain on my credit report. Continuing to report these accounts violates my rights under the FCRA and creates an inaccurate representation of my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to XXXX/Transunion/XXXX  to submit a method of verification in reference to a chapter XXXX bankruptcy they have erroneously reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I received notification via my credit report that I had been sent to collections through West Central Texas Collection Bureau in XXXX Texas for a {$110.00} bill that I never received from XXXX XXXX XXXX XXXX. I contacted the collection agency and explained that I am a XXXX veteran and any bills should have been sent to the VA and that I had never received one. They gave me the information to contact XXXX XXXX. I contacted them and a young woman said that they would take care of it right away. Two months passed and it was still on my credit report. I contacted the collection agency again and they sympathized with me agreeing that what the XXXX XXXX   did wasn't right. I called rXXXX XXXX again and got a different representative. I explained the situation again and she said that the other person I talked to previously at radiology associates didn't have the authority to agree to remove it as they had. I explained that was a them problem and not a me problem as it was improperly billed. They argued that it was filed under private pay. I have not ever been private pay in an ER in my life so that didn't make any sense. 

I reported this to all 3 credit bureaus on XX/XX/XXXX and XXXX and XXXX removed the charge. XXXX did not. I refiled again on XX/XX/XXXX with XXXX and they did not remove it. I filed again on XX/XX/XXXX when calling about why it hadn't been removed and they said I needed to file another complaint. That confirmation is attached to this complaint. 

My credit is being held XXXX for {$110.00} for a bill that I didn't receive, and shouldn't have received because it should have been billed to the Veterans Administration. They tried filing it with the VA and they denied it because it had been so long. I have attempted since then multiple times to contact West Texas Collection Bureau but their phone numbers listed on their website ( XXXX & XXXX ) automatically hang up after you dial them on my cellular phone. I attempted to use the phone number listed for them on my credit dispute ( XXXX ) and it comes back with call can not be completed as dialed ). I tried using their contact page to send them a message and get an error back. 

I am unable to discuss this by any of the above means and no longer live in the geographic area to stop by their offices. I am requesting that this be removed from my credit report. A XXXX vet should not have his credit held XXXX for {$110.00} when they followed all normal procedures at the time of service, since then trying to get this resolved, and now not able to reach the collection agency that has forgave this debt with two other credit bureaus.
Product: Debt collection

I sent this company a paid to delete letter, I spoke with rep in which I recorded his voice conversation and he stated they also recorded my conversation in his conversation he stated I can take advantage of a settlement offer of XXXX the original amount was XXXX. I sent the attach letter in which they agreed to. and it will be deleted his exact words AFNI WILL REQUEST FILE TO BE REMOVED ONCE PAID I have followed all instructions now my credit report per XXXX  is stating settled paid less than half amount I will file a lawsuit against this company for false representation of company policy.
Product: Debt collection

XXXX XXXX / XXXX / {$11000.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Product: Debt collection

I have disputed this account several times and the last time was XXXX XXXX. I was told if I paid this account off in full this account would be removed from all XXXX consumer reporting agencies. The balance is XXXX but its still reporting and when I spoke with the representative years ago I was told it would be removed thats why I paid the debt in full. I feel this was misrepresentation and illegal if they did not hold up their end in removing the debt like they said they would.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have this unauthorized hard credit inquiry removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there is an unauthorized inquiry listed. The unauthorized inquiry is listed below. 
XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

My employers address is listed on my personal report. I have asked all three bureau 's to remove this from my report as it causes confusion. Experian simply refuses to remove it. They aren't even responding. I have written multiple letters and submitted disputes on their website.
Product: Vehicle loan or lease

On XX/XX/XXXX by car that was financed by Captial One was totaled, my insurance paid majority of the balance, and rest was covered by GAP insurance I have purchased through my dealership. On XX/XX/XXXX Capital One withdraw another monthly payment. I have called them back and requested this payment to be credited to me due to the fact that car is totaled and insurances are covering by balance. Capital One returned this payment on the same day. I have provided them with my GAP insurance information and contacted GAP insurance to expedite payment. In XX/XX/XXXX I have received a letter form Capital One stating that there is still an unpaid balance due. I called them on the same date and learned that GAP have not issued full payment just partial. I have contacted GAP and got conformation that they will issue a payment ( delay was caused by a dealership ). I have not heard form Capital One since then, until l in XX/XX/XXXX they reported my account as negative. I have contacted the several time trying to reason with them, offered to make a payment and asked then to remove negative reporting since they have willingly returned my payment in XX/XX/XXXX. They were not helpful and not honest stating that I broke contract and stopped my payments without them agreeing to it. 

As a consumer we are not protected and at the full mercy of this companies. i am asking you to investigate and correct this situation. 

Respectfully, XXXX XXXX
Product: Debt collection

I HAVE BEEN DEALING WITH AN ONLINE COLLEGE CALLED XXXX XXXX FOR YEARS, TO WHICH THEY SAID I ENROLLED AND NEVER WENT TO. I RECEIVED TO DIFFERENT COLLECTION NOTICIES FROM TWO DIFFERENT COMPANIES THE FIRST ONE DELETED THE DEBT AND REMOVED FROM MY CREDIT, THE CURRRENT ONE UBSC IS REFUSING TO.
Product: Credit reporting or other personal consumer reports

VERIFY THESE 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
Product: Consumer Loan

I brought a car with autotrackk it was paid off as of XXXX/XXXX/2010. when I was making my last payment the loan officer told me that it was a lease car and in order to have the title I would need to pay XXXX. I advised to the loan officer that they can come get the car because I was not told by the agent who I brought the car from that it was a lease car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. You, however, seem to claim you've verified the accuracy of the information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account that should be adjusted is : XXXX XXXX XXXX XXXX