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

Hello, I am contacting you in regards to the debt collection agency Caine & Weiner. I advised them that I don't owe a debt they keep insisting that I owe a debt. After, I advised them of a dispute I had with XXXX XXXX XXXX. I also, advised the collection agency that this alleged debt was supposed to be closed via XXXX XXXX XXXX.They remove the debt for a month. Then put it back our for their reporting purposes or financial reporting purposes. They keep taking off the debt and then re adding the debt at the middle or end of the month. I spoke with a manager and tried to resolve this several times. They are reporting incorrect information and inaccurate information in regards to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I mailed a letter to the company above because I never received a dunning notice and I have no idea what this debt is or how it originated. 

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

Account name : I C SYSTEM 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 an 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 or 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've had lots of ID THEFT happen to me over the past few years and there are several incorrect accounts and inquires begin reported on my credit report, I have sent in all supporting documents and police reports in order to have these fraud items blocked and or removed. All documents required by the FCRA have been sent in listing all of the following fraud information. The following is fraud. 

1.XXXX XXXX 2.XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX 3.XXXX XXXX XXXX Inquiry : XX/XX/XXXX 4.XXXX XXXX XXXX  Inquiry : XX/XX/XXXX 5.XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX 6.XXXX XXXX XXXX  Inquiry :XX/XX/XXXX 7.XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX 8XXXX XXXX XXXX Inquiry XX/XX/XXXX 9.XXXX Inquiry : XX/XX/XXXX 10.XX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX Inquiry : XXXX XXXX, XXXX 11.XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 12.XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX 13XXXX XXXX Inquiry : XXXX XXXX, XXXX 14.XX/XX/XXXXXXXX Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX, XXXX 15.XX/XX/XXXXInquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX ALL THE LISTED INFO IS RELATED TO THE ON GOING ID THEFT ISSUES 16.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over XXXX days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. 

These are the accounts and their account numbers : XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX Please remove it from my credit report. 

XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX XXXX XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account XXXX XXXX XXXX Account number-XXXX XXXX. Account name- XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX XXXX  Account number- XXXX XXXX. Account name- XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX XXXX Account number- XXXX XXXX. Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX. Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX. Account name- XXXX XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX XXXX Account number-XXXX XXXX. Account name- XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX XXXXXXXX Account number- XXXX 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.

15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments
Product: Debt collection

I recieved a fake collection letter from Enhanced Recovery Company LLC, asking me to pay an amount I do not owe, for an XXXX XXXX XXXX phone account. I have an active XXXX account and am in excellent financial standing with them. The letter has the following logos on it, clearly pulled from internet image searches ; XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, and XXXX. It appears to be an attempt to gather more private information, such as phone number and banking information so that a person could be harassed by this company until they pay, then have money stolen right out of their own bank accounts. Please do not contact these people or give them any information about yourself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX IS SHOWING A CLOSE ACCT WITH LATE PAYMENTS. I HAVE NEVER BEEN ON MY ACCOUNT WITH THEM. I WOULD LIKE TO RECEIVE A VALIDATION ON DEBT FOR THIS ACCOUNT.
Product: Credit reporting or other personal consumer reports

I have a Retail Installment Contract and Security Agreement with XXXX XXXX that was dated XX/XX/year> for a vehicle Make and Model XXXX XXXX XXXX Furnishers are providing information to my consumer report that is false and Inaccurate. XXXX XXXX has committed XXXX XXXX! 
XXXX has been paid free and clear! 

I don't Have a Account with XXXX XXXX XXXX. This considered incorrect and inaccurate information. Which is causing Emotional Damage. I demand that you DELETE This Erroneous account IMMEDIATELY! 
According to The Truth in Lending Act ( XXXX ) protects you against inaccurate and unfair credit billing and credit card practices. It requires lenders to provide you with loan cost information so that you can comparison shop for certain types of loans. 

18 U.S. Code 1348 - Securities and commodities fraud. According to 16 CFR 433.1 ( f ) Contract. Any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof. 

I exercise my RIGHTS to have this Item DELETED IMMEDIATELY. If you dont DELETE SAID ACCOUNT in XXXX business days. You will be in violation of law according to 15 U.S. Code 1681n - Civil liability for willful noncompliance. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a state " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Please, contact me at my email address XXXX to arrange the delivery of My Deposits under this fraudulent credit consumer transaction. Additionally, please mail me confirmation that the credit consumer transaction has been voided and no negative information will be reported to the credit bureaus with respect to this matter. 

XXXX XXXX Transunion XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information and confidentiality of those customers nonpublic personal information I am again revoking any permissions given verbal, nonverbal, written, unwritten, implied or otherwise. This is Identity theft! According to 12 CFR 1022.3 Definitions : " identity theft means a fraud committed or attempted by using the identifying information of another person without authority. '' ... .and most certainly do not have my authority.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX I received a copy of Memorandum of costs after Judgement and declaration of Accrued Interest in the amount of {$2800.00} ( interest ) Plaintiff : Midland Funding LLC VS : Me with a case Number which I was in shock to receive in the mail. I called the number on Document to get information regarding notice, I was told a judgement had been filed and account is a legal matter and if I want information I can obtain it by going to the courts for file. I told the rep I know nothing about this!! All they said was to pay and/or they were in a process for garnishment?? Immediately went to the courthouse for copy of the entire file. Midland Funding filed a XXXX XXXX civil case for the amount of {$5900.00} On XX/XX/XXXX. Unbelievable, it stated that Midland had purchased debt from XXXX in XX/XX/XXXX and they have the right to collect in its place as the original creditor. I do not recall ever having an account with XXXX ending in ... XXXX. I had one credit card with them acct # ending in XXXX that I had settled and was given a XXXX for the difference in the balance. I am in good standing with XXXX and i do n't believe this debt is valid because XXXX is my auto Loan carrier and if I had a outstanding debt with XXXX I do n't think XXXX will provide me with a loan if I had bad debt with them. I was never served as stated in the proof of serviceXX/XX/XXXX. After researching XXXX XXXX XXXX XXXXr and address it turns out that it is a Printing Shop that has been there for 21 Years and no one by the name of who served me works or know of that name. XXXX # is not found in XXXX. Does this person even exist??. Midland was granted a XXXX Judgement against me XX/XX/XXXX based on Failing to answer Complaint of Midland.. I was never served regarding the Judgement!! The court allowed the default judgement without proper validation of the debt and was honored only because I did not respond and assumed valid per Midlands request. Only documentation provided was a Copy of a statement without any transactions or last payment information and a AFFIDAVIT of an employee in support of Judgement that just says that she has reviewed and has access to records and account and a witness of accuracy. So if that 's the case why was n't any contracts, agreements or sales slips of purchases provided to prove the debt?!! It is crucial that they prove that this debt is in fact my obligation with proper documentations according to the law and my rights To refer Consent Order CFPB-XXXX Filed XX/XX/XXXX Midland is not complying with the terms of the settlement with CFPB. I am requesting that Midland move to Vacate Judgement Immediately if they do not fully validate debt.
Product: Checking or savings account

I was charged XXXX from my account and didn't get any products .I was told by the employee from the store that there system crashed and I had to go inside and pay on XX/XX/2022 and I sent the receipt that I had to the bank but they keep telling me I haven't sent them enough evidence on my account XXXX and XXXX was taken out on XXXXThey said they sent me a letter but have not received anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed this account US DEPT EDUCATION before and it keeps coming back as meets FCRA standards even when Ive provided multiple violations that it has committed. This account is supposed to be marked by the creditor & XXXX  as Consumer Disputes per the FCRA which its not and is a violation. XXXX has already removed the account for violations but yet XXXX somehow keeps finding it verified when XXXX  could not. If all information is supposed to be accurate across all 3 bureaus how is it that XXXX is finding it verified even so they did not even mark the date of which its last been verified.Ive submitted numerous violations that this account US DEPT EDU has committed. This goes for TransUnion as well for violations. If not settled I will take to court to collect for damages for violations from XXXX  & TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXXXXX now.with no help.
Product: Credit card or prepaid card

CitiBank Still Uses Old Verification Method Through Mail Which Is Mind Blowing That A Bank So Large Own Real Estate Stadiums And Other Businesses, Cant Verify My Account With A Phone Number On File Thats Registered To My Name Citibank Is Fraud I Feel Like Public Records Should Be Illegal It Doesnt Help Anything But Make More Fraud Happen Anyone Could Find My Address Name Phone Numbers And Relatives I Just Think The Government Should Let Banks Have Less Regulation & Public Records Should Be Banned
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that have been made on my credit report. These inquiries were not initiated or authorized by me and have appeared on my credit report without my consent. I request that these inquiries be removed immediately as they are damaging my credit profile. 

XXXX : XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( Automotive XXXX XXXX XX/XX/XXXX XXXX XXXX  ( Automotive ) - XX/XX/XXXX XXXXXXXX XXXX XXXX ( Automotive ) - XX/XX/XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX  XXXX  ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX ( Automotive ) - XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) - XX/XX/XXXX Equifax : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX ( XXXXCreditCards ) - XX/XX/XXXXXXXX XXXX ( XXXXXXXXCreditCards ) - XX/XX/XXXXXXXX XXXX ( XXXXXXXXCreditCards ) - XX/XX/XXXX XXXX XXXX ( Automotive ) - XX/XX/XXXX XXXX XXXX  ( Finance ) - XX/XX/XXXX XXXX  ( Finance ) - XX/XX/XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX ( Automotive ) - XX/XX/XXXX XXXX XXXX ( Banking ) - XX/XX/XXXX Violations of the Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), inquiries into a consumers credit report must be authorized by the consumer. These inquiries were made without my authorization, constituting a violation of the FCRA. Additionally, under 15 U.S.C. 1681e ( b ), credit bureaus are required to maintain accurate information on consumers credit reports. The presence of these unauthorized inquiries indicates non-compliance with this provision. 

Request for Immediate Action : I request that you conduct an immediate investigation into these unauthorized inquiries and remove them from my credit report. Please provide me with an updated copy of my credit report reflecting these corrections.
Product: Debt collection

I reviewed my credit report and found that AWA ( Adler Wallach & Associates, Inc ) had placed a collection file to all 3 credit bureaus ( XXXX, XXXX, XXXX ) for payment of a medical debt. 
I sent a Validation Request to AWA via Certified Mail on XX/XX/XXXX ( delievered on XX/XX/XXXX ) I received a statement of the alleged charges which does not meet the FTC guidelines on what constitutes proper debt validation.

I sent a second Vailidation Request via Certified Mail on XX/XX/XXXX and received no response. 
This collection account remains on my credit file with all 3 bureaus without Validation. 
It also appears that AWA is not a licensed Collection Agency in the State of Tennessee, where I reside.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I log in to Equifax. 
XXXX XXXX XXXX XXXX XXXX I have not been able to log in at all with this message, " We are temporarily unable to complete this request. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is concerning Experian Credit reporting. I have sent them letters as my attorney did and they refuse to correct my credit history/report. 
XXXX XXXX XXXX is breaking PA law : Pennsylvania Motor Vehicle Financial Responsibility Law, 75 PA C.S. 1797 ( b ) ( 7 ). and refuse to remove this fraudulent reporting by this company.

XXXX  was a stolen gas card.Purchases were made in CA and I reside in PA. XXXX  called me to inform me of the fraud and told me they would close the card as they did and I agreed. XXXX  & Experian refuse to remove from my credit history after they been shown the information as FRAUD
Product: Vehicle loan or lease

My husband and I bought a XXXX XXXX XXXX from XXXX XXXX which was financed by Wells fargo, fast forward back to this year the truck started having major issues and we were denied inspection approval until they were resolved, so we decided that we would try and trade in it towards another vehicle only to find out that the vehicle had structural damage, we did not get a car fax when asked for it they said bank had requested it and it was sent not sure how true that is thinking about it now. Since then we tried contacting dealership which is now closed down due to fraud, so we contacted Wells Fargo and told them that we can't use the vehicle and that in fairness they should come and get it and consider our balance on vehicle null and void. They did came and got vehicle however they sent us a notice of plan to sell property saying that because we broke our promises in our agreement they are holding a private auction to see vehicle and if sold for less than balance, then we owe them for the difference. If you were provided a car fax why would u pay for something that's permanently damaged and have us paying for it knowing eventually it will break down.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the dates listed below i received hard inquiries on my Credit profile that i do not recognize and are fraudulent. I have a closed XXXX XXXX account that needs to be removed from my credit profile because it violates my right to privacy. 

XX/XX/2022 XXXX, XX/XX/202XXXX 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: Debt collection

To whom it may concern, According to my credit report, on XX/XX/year>, United Revenue Corp reported a collection account of {$230.00}. Unbeknown to me, I am unaware of what this collection entails and when this took place, regardless, the No Surprises Act forbids any medical debt under {$500.00} to be reported to ANY credit reporting agency. XXXX is fully knowledgeable about this Act and has violated my consumer rights.
Product: Mortgage

In XX/XX/XXXX my husband, XXXX XXXX, Was laid off due to XXXX going out of business. He was out of work for a year. He applied for unemployment and called the mortgage company as soon as he got home. He explained to them it would take up to a month to receive the first check. They told him to send the payments when it starts. 
When he got the first full check 5 weeks later we started sending the payments. This was in XX/XX/XXXX. In XX/XX/XXXXwe received a check and a letter stating we were XXXX dollars short of the full 3 month payment. In anger XXXX tore up the letter. 
We were immediately put into foreclosure. In the next 6 years we did 13 modification packets, got a lawyer, went to every hearing, did a mediation that lasted a year. In the end we filed chapter XXXX to save the house. We were not able to do so. In XX/XX/XXXX the house was sold and we now are residing with our daughter and her husband.

During the mediation we were told that there were count of fraudulent act with in our mortgage. We were never able to prove it. 

We would like this to go on record against XXXX as we did everything in good faith and got screwed.