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

In accordance with The Fair Credit Reporting Act XXXX Account XXXX  XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681section 602A states i have the rights to privacy. 15 U.S.C 1681 Section 604 A Section @ : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$1800.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00}, XXXX XXXX XXXX XXXX XXXX : {$6600.00}, XXXX XXXX XXXX XXXX Balance XXXX {$5000.00}, XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1800.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an old account deleted from my credit file by all 3 CRA last month and this month Equifax has since added it back to my credit file ( XXXX XXXX XXXXt ) is the account however I have not received any supporting verification stating that the account belongs to me and according to the CRA once any information/account has been deleted based on lack of verification of a dispute, any subsequent reporting can not be reinserted unless accompanied by a Certification of Accuracy that provides the missing certification. See FCRA 611 ( a ) ( 5 ) ( B ). That requirement applies to any furnisher, not simply to the prior furnisher. The CRA must approve the Certification before they can reinsert. if they reinsert, they are required to send specific notification to the consumer within 5 business days.If reinserted 3 days ago, then you should be getting a notice from the CRA within a few days. If no notice is sent, you can presume the furnisher did not provide a Certification to the CRA, and thus the required procedure was not followed. In that event, you would provide evidence to the CRA of your prior dispute, thus establishing lack of furnisher compliance with section 611 ( a ) ( 5 ) ( B ) ..
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please delete these illegal accounts from my credit reports as of XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a medical bill showing as in collections. I first disputed the collection account and further sent documentation showing the debt was paid in full. They still determined that the debt is valid. I believe they did n't even take the time to properly review my dispute.
Product: Checking or savings account

CitiBank told me that I basically need to go searching for the check at the post office even though they knew it was good and they sent it off without telling me. The place where I got the check theres no longer issuing them. They are closing down and Citibank verify that it was a valid check. They are not able to re-issue it or tell me if anyone has cashed it any bank has to pay me {$6300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was considering looking for a new vehicle and wanted to get an idea of the monthly costs to see if I could afford it. I saw Lending Tree and it was advertised to me that I could use it to see if I prequalified for any loans and see what the rates would look like. At no point did I agree to a hard inquiry from any financing company but now I'm seeing 2 new Hard inquiries popping up on my credit report, as of right now XXXX XXXX and XXXX XXXX. I never asked for these companies to do a hard inquiry. I don't know which companies lending tree reaches out to and I don't know how to reach all them to tell them I'm not interested in any the loans they have to offer especially when I wasn't even sure if getting a vehicle was even possible for me right now.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b, the credit bureau are required to remove any items listed on an id theft report. Please help me find the required documents to assist in the removal of the erroneous information which is being posted to my report. 
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: Debt collection

Credit Collection Services and XXXX is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. This was done to coerce me into making a payment on an alleged debt without proof of claim. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority. Credit Collection Services, XXXX and the consumer reporting agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation which violates 18 USC 1962 ( c ). XXXX transferred the account in reference without lawful authority to Credit Collection Services which is a violation of code 18 USC 1028 ( a ) ( 2 ). Credit Collection Services obtained my nonpublic personal information by illegal means and with ill intent. I failed to dispute the validity of the debt within the prescribed time period therefore resulted in unlawfully furnishing the debt to my consumer report which violates 15 USC 1692g ( c ). Furthermore I have never conducted business with Credit Collection Services and I have not benefited from this transaction which is also a violation. According to 15 USC 1602 ( p ) Credit Collection Services does not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification Credit Collection Services is committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. I would like to inform Credit Collection Services that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability under code 15 USC 1692g ( c ). I have attempted to rectify this matter multiple times but due to the mutually beneficially business relationship Credit Collection Services has with the consumer reporting agencies, I have reason to believe they are engaging in racketeering activity. Multiple verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. I am requesting notice of the amount of the alleged debt and the name of the original creditor 15 USC 1692g because I have not received notice containing the pertinent facts of this transaction which is a violation of 15 USC 1602 ( k ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was not authorized to obtain my medical information. Under the Health Insurance Portability and Accountability Act ( HIPAA ) I am allowed to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXXXXXX XXXX XXXX XXXX for them to release my medical information to a third party.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXXXXXX Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Account name XXXX XXXX XXXX XXXX Account number XXXX Recent balance {$7900.00} Date opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX 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 719 XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXXXXXX XXXX old daughter
Product: Student loan

I have repeatedly attempted to make reasonable monthly payments and have been offered upwards to $ 700/month which I can not afford in addition to over the over {$1000.00} I already pay monthly in student loans. The other day set up a payment to attempt to catch up with the understanding that I would need to obtain and submit additional information regarding my finances. I shared that my co-signer has XXXX XXXX and my father was a XXXX XXXX. My father, who is not a co-signer on the loan, set up a payment I am unable to afford. This is in addition to the payment I had set up for this month. Navient knowingly set this payment up with an individual who I had shared has an XXXX XXXX XXXX and that is XXXX most, if not at all, times. I hope that they did not pursue my father for payments knowing his XXXX  condition.
Product: Debt collection

HP Sears showed up on my credit report saying I had unpaid debt, my credit score was reduced by over 40 points and I now have derogatory remarks. This was on XX/XX/XXXX. I freaked out because my credit score is important to me, so I paid the {$440.00} to HP Sears. I then realized that there's no way I could owe {$440.00}. I checked with my health insurance company ( XXXX XXXX of California ) and this charge, which was for the XXXX XXXX XXXX of XXXX XXXX in XXXX XXXX, was actually covered by my insurance. The insurance company was a bit late in authorizing the coverage, but it did go through. I have the explanation of benefits to prove it. All I owe is {$25.00}, and I never received a bill for the {$25.00}, but I would absolutely pay it if they sent me the bill. I tried to get in touch with XXXX XXXX XXXX and have had no luck. I was on the phone repeatedly with HP Sears.  I sent them my explanation of benefits and they tried to accuse me of lying. I called to get them to admit they received my email with my proof. They admitted it. They said they'd issue me a refund. A month goes by and I noticed on Saturday, XX/XX/XXXX that my credit wasn't resolved. I even filed a dispute with XXXX, but they didn't take my side in the dispute even though I have evidence and contacted all the companies involved. So I called HP Sears yet again. I saw my credit card history and they NEVER issued me the refund that they promised, and they obviously never resolved the mistake they made that messed up my credit. I told them I wanted their agreement in writing, and I still have yet to receive that. I was able to get my {$440.00} that I was never supposed to pay in the first place back by contacting my credit card company. But HP Sears was supposed to be honest and issue the refund because I never owed the money, this was all due to their mistake, and they told me they had issued the refund. They've been scamming me and lying to me. I've been making phone calls again all night ( it's Saturday, XX/XX/XXXX ) and I can't get through to anyone. I have the proof. All I ever owed XXXX XXXX XXXX is {$25.00}, and they never sent me a bill so I can't pay it but I will pay it immediately if they would just send me the bill. I never owed {$440.00}. So my credit has been ruined because of this mistake and I have the proof that shows they messed up but no one is helping me fix it. I just want my credit score returned to normal. I don't know what else to do. The amounts aren't even consistent. I had to pay {$460.00}, and they attacked my credit for {$460.00}. The explanation of benefits said the original amount was {$440.00}, but that was before it went through insurance so I never owed anything anywhere near those amounts of money.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 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.

has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Debt collection

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Call phone back and phone identifies as National Credit Adjusters but person on phone identified more sounding like XXXX XXXX  or something different XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Call phone back and phone does not identify as an active line and collector identified something like XXXX XXXX. 
They are calling me as *XXXX XXXX '' and then asking me to give them my social security number or my date of birth as " XXXX XXXX  '' or even after some evasive maneuvers and argument identifying as a business after verifying my name and then after identifying as a debt collector telling me they refuse to tell me why they are calling unless I give out personal identifiable information. That argument is clear and transparent negligent because I'm filing a report to the CFPB of unknown XXXX XXXX calling for personal identifiable information rather than debt collectors as businesses having a practice and it being my responsibility to skip trace the debt collector to verify their identity because they want to verify mine without identification first. When I worked in public collections a year ago, besides their name, we verify their address, public information. I work with people who are in collections to the IRS and they have to identify themselves and they don't ask for payment and I can't see even them doing that really. All the more reason, I won't be giving out my identifiable information to any XXXX XXXX that wants to call and ask for it either way. Better find a non-phishing practice to collect because " XXXX XXXX  '' is not a business to have that information. It's completely unnormal to refuse to identify yourself as a collector under some law that says it would be harmful to the consumer AND ask for business privileged information! Verify your own identity so that next time when you call asking for information like social security numbers, there is a business to file a complaint with besides trying to skip trace " XXXX XXXX  '' the debt collector.
Product: Debt collection

Dear XXXX XXXX XXXX I am writing to formally dispute the collection account listed under my name ( XXXX XXXX XXXX - Account # [ XXXX ] ) Date opened XXXX XX/XX/year>. I believe this debt is inaccurate or not mine, and I request verification of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working extremely hard to build my credit over the past few years to the point I now qualify to purchase my first home. I have put an offer in on a home and paid off a credit card that had a balance of approximately {$130.00}. Equifax then dropped my score because it was paid off XXXX points. I am now out of range to purchase a home. I contacted Equifax on XX/XX/23 @ XXXX to discuss this issue and how to correct it. After being transferred multiple times I spoke to a XXXX or XXXX who said there's nothing is gon na do about it and I asked several times to be transferred to his supervisor and the supervisor name to which he said no several times. He stated he is the supervisor and it stops with him. This is obviously a costly mistake by dropping someone XXXX points for paying off a credit card, not even closing it. I can now not continue with purchasing my home and will be homeless.
Product: Credit reporting or other personal consumer reports

XXXX & XX/XX/XXXX shows late payments, the account was paid off XX/XX/XXXX, I XXXX the co and the pymts were made in the month, not sure why they reported it XXXX  days. This just showed up on my report as i was monitoring my credit and I found out by a card being declined for late pymts. And i have another loan with the same co. I want this acct removed from my report as it is closed and paid off. 

Thank you
Product: Vehicle loan or lease

I financed a car from US Auto Sales on XX/XX/2021, I've been making payments then the company shut down. Now I've been contacted by Westlake financial saying I have to pay them for the vehicle, US Auto Sales did in house financing I didn't sign any paperwork for Westlake financial to get the vehicle. I am stuck in this horrible situation and don't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report and found fraudulent accounts on my credit report. I know for a fact that I have been a victim of identity theft. I have not authorized or open any of these accounts. There has been car loans opened in my name as well as utility accounts, credit cards, and cell phones. I have contacted each one of the companies, and each credit reporting agency about this. The fraud accounts that are showing on my credit report are as follows : XXXX XXXX XXXX {$360.00} XXXX XXXX  {$7800.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$4500.00} XXXX XXXX {$15000.00}
Product: Debt collection

Calls at least once a day, morning, afternoon and evening seven days a week. Calls are never from the same number. The few times that I answered I was told that I was being sued and asked for my current address to be served. They were rude and abusive so I stopped answering. This has been going on since XXXX or XXXX. They have contacted my father and other members of the family stating that I will be served and possibly arrested.
Product: Credit reporting or other personal consumer reports

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$72.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Told me they were no a collection company just an information verifier but tried to the n collect a settlement. I asked for mail and they said by the time i got mail they would file a judgement against me so mail wasnt an option.