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

On XXXX XXXX I received notification from XXXX XXXX XXXX advising XXXX XXXX XXXX XXXX XXXX, has placed an inquiry on my credit report as an " Installment Loan. '' I contacted the company and spoke with XXXX, who advised they pulled my credit report in order to obtain my current information in an attempt to collect a debt. The credit reporting agencies regard inquiries as a statement of fact. This company obtained my consumer report under false pretenses and knowingly without permissible purpose.
Product: Credit reporting or other personal consumer reports

My Only name and address is what's provided on this complaint. 

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Product: Debt collection

I have requested for proof of licensing to collect in the state of Colorado. In the state of Colorado by law debt collectors must have a license to be able to collect in the state. This entity has no license in the state of Colorado to collect a debt which is illegal. They have provided a license number however, I am un able to verify their license with the State of Colorado. Their license number is not showing up on the state records. 
License Number XXXX. Please send the state agency issuing license address and phone number to closely verify your license.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter reflecting my deletion of a bankruptcy. After repeated attempts to contact XXXX  and Equifax, with no response. I have attached the letter reflecting the change, which is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

So once again Trans Union isn't paying any attention or just don't care, and I think its the later, I noticed on my trans Union report you have one account listed three times through XXXX XXXX as reported by XXXX XXXX XXXX, since you have proven conclusively in the past that you don't give a XXXX about someone who has suffered with XXXX it looks like we will just let my attorney along with the A.G. office in  both states along with the FTC handle this and make no mistake we are coming after you.

In addition to the above reference account we notice yet another account also listed as being reported through XXXX XXXX   for XXXX XXXX XXXX and this one is listed not once not twice but three times on your platform and let me XXXX guess, you didn't notice it right?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on XXXX XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

There is an inaccurate information in my credit report from company Jpmcb card after account been review it, another error is reported from this company. 
XX/XX/year> as online account opened.
Product: Credit reporting or other personal consumer reports

This loan was associated with a XXXX XXXX XXXX purchased from XXXX XXXX XXXX XXXX  located in XXXX, GA around XX/XX/XXXX. However, the vehicle never arrived. I never had possession of the vehicle. The vehicle is financed through XXXX XXXX XXXX XXXX. I never got insurance on the car because I never saw it in person. On XX/XX/XXXX, XXXX sent me a letter confirming that I am not responsible for this loan. Despite this information, the account is still being reported on my credit file, which is causing significant damage to my credit standing.
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 Account XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Hunter Warfield, INC added a derogatory mark on my credit report per XXXX XXXX. I have had many unsuccessful disputes with the Credit Bureaus in reference to the Hunter Warfield Account. The account was settled for a pay for deletion but reflects as charged off and still accumulating interest for the past few years. No written form of communication or verified debt was ever sent to me. According to the FCRA, Hunter Warfield INC, has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting

I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA -they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Nc Last 4 of SSN:XXXX Date : XX/XX/XXXX I recently obtained a copy of my credit report, and you are currently reporting debt to my credit report as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service, and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows. 
Validation of Debt and HIPPA. Authorization Please provide a breakdown of fees including any collection costs and medical charges Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FIDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the prov of service in connection with this alleged debt. Additionally, reporting of this debt to the credit bureaus prior to allowing them to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above-requested proof. Per the standard you have 30 days in which to respond to this request, or this debt will be considered invalid removal from the credit bureau 's expected or damages will be sought after. 
All accounts in dispute listed below. 

MEDICAL DATA SYSTEMS INC Balance : {$2000.00}. 
MEDICAL DATA SYSTEMS INC XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX MEDICAL DATA SYSTEMS INC Balance : {$920.00} MEDICAL DATA SYSTEMS INC XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Zelle, stole money from me for XXXX XXXX with overdraft fees and scams and being hacked with no resolution, totaling {$970.00}
Product: Debt collection

My identity was stolen in 2016 and a report was made on XX/XX/year>. I checked my credit scores on XXXX, XXXX and XXXX and found multiple accounts and debts that I know nothing of including collections and credit pulls. Now I am faced with collection letters and I dont know anything about the debs mentioned in the communications. 
I have never lived nor applied for anything in California or Texas and I have no addresses there. The person who stole my identity lived in Texas and California. There are also discrepancies with my name and the multiple accounts on the XXXX credit bureaus previously mentioned.
Product: Checking or savings account

I made an allotment from my government XXXX to USAA savings and made the mistake of using my member I.D number instead of my account number. Come to find out my member ID is some XXXX XXXX guys account number. USAA never matched the name, social or DOB on the transfer. 
I notified USAA on what happened and its been almost 2 months of trying to get the money returned. 
First your member ID should never be another persons account number, second my other information I.E, social, DOB, address shouldve been matched and was not. 
USAA customer service is now farmed out for the most part, so far Ive been on the phone for over 6 hours total, the TSP representatives have been very helpful and have been on most of the calls with me. A number of security steps were missed and USAA is attempting to ask for the money back. XX/XX/XXXX going on 75 days and USAA as still not taken action against the other member who excepted and withdrew money not belonging to them Ive spoke with everyone and the CEO about this Why hasnt a theft or fraud report been filed also
Product: Credit card

Sinchrony bank. 

I have been a loyal customer for many years and have consistently utilized the 0 % interest rate special offered by the Bandsmart card. However, upon reviewing my recent statements, I was surprised to discover that I have been charged a total of {$310.00} in interest rates for this current year alone. This has left me feeling disappointed and questioning the integrity of the promotional offer. 

Throughout my time as a customer, I have always made timely payments and diligently adhered to the terms and conditions of the 0 % interest rate special. I trusted that I would be provided with the promised benefit of a zero-interest rate, and I am disheartened to learn that this may not have been the case. 

I kindly request that you investigate this matter thoroughly and provide me with a detailed explanation as to why these interest charges were applied to my account. I firmly believe that this situation must be rectified, as it is unfair to charge me interest when I have consistently met my payment obligations and relied on the 0 % interest rate special offered by your company. 

I value the relationship I have with Bandsmart and Sinchrony bank, and I hope that we can resolve this issue in a satisfactory manner. I kindly request that you promptly address my concerns and take the necessary steps to correct any errors or misunderstandings that may have led to these interest charges. The attached statement doesn't reflect the new amount been charge for interest rate. 

Thank you for your attention to this matter. I look forward to receiving a timely response and a resolution that upholds the trust and confidence I have placed in your services. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I trust this message finds you well. I am writing to follow up regarding the ongoing presence of fraudulent items despite our repeated attempts to address this issue. Despite the resources and measures allocated to identify and remove these items, it is disheartening to observe their continued infiltration into our system. I urge you to conduct a comprehensive review of our fraud detection and prevention measures to identify any systemic weaknesses that XXXX be exploited by perpetrators of fraudulent activities. It is imperative that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. Additionally, I urge you to prioritize staff training and awareness programs to ensure that all team members are equipped with the knowledge and skills necessary to detect and respond effectively to fraudulent activities. XXXX accountability measures should also be established to hold individuals responsible for any lapses or oversights in this regard. With this, I am asking for your assistance to remove these fraud items in my credit file : Please help me remove this items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Debt collection

The CBE group, XXXX, and XXXX, ( outside collection, claims I owe {$1100.00} for cellular, I do not owe any bill, I will sue for damages if this continues, I will not tolerate harassment by phone or mail, Im warning for this to stop with a cease and desist.
Product: Credit card or prepaid card

Case Number : XXXX Merchant : XXXX Date of Transaction : XXXX Disputed Amount : {$31.00} Please be advised that I continue to dispute the above referenced case number, neither myself or anyone else authorized by me has signed for nor received the merchandise/services included in my original dispute. Someone hacked my account at this merchant and impersonated me. If you " XXXX '' this merchant and the word lawsuits or complaints, this merchant has a terrible reputation and has several XXXX dollar lawsuits alleging fraud by the merchant. 
The documentation page provided by the merchant is insignificant in the following ways : The merchant " cut and pasted '' a boiler plate reused statement concerning the terms and conditions of service. This is not applicable to me since I never signed up for this service on XX/XX/19 nor authorized anyone, my account was hacked at this merchant. 
The merchant claimed that I did not cancel the subscription. This is not applicable because I never knew about the subscription. 
Based on the inadequate information provided by the merchant, please continue the above captioned billing dispute.
Product: Debt collection

RECEIVEABLES PERFORMACE CONTACTED ME ABOUT A DEBT THAT I HAD, THEY ASKED ME TO PAY THE DEBT AND THEY WOULD REMOVE IT FROM MY CREDIT REPORT THEY ASKED FOR A PAY TO DELETE. I PAID THE DEBT AND THEY DID NOT REMOVE IT, IT IS STILL SHOWING ON ALL THREE OF MY CREDIT REPORTS. IT NEEDS TO BE DELETED AS PER THE AGREEMENT WITH THE DEBT COLLECTOR.
Product: Debt collection

I noticed on my credit reports that there was a debt for XXXX XXXX in the amount of {$390.00}. I have since taken care of that debt in order to retrieve new service. I am requesting that this debt be removed from my credit report. I also have not had any correspondence stating that this debt was in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few days ago I have reached out to XXXX XXXX to get a quote for my motorcycle policy. While getting a quote online and trying to finalize it as soon as I entered my Drivers license my quoted rate has gone up. I asked them why and they stated that they use Lexis Nexis reports and that report shows that I had an accident on XX/XX/19 and I was the driver at fault. This is absolutely inaccurate! On XX/XX/19 a XXXX rear ended my car and the other driver was at fault of the accident, not me. My current insurance company XXXX has confirmed that their reports are accurate and were submitted as such to all the reporting agency as I was the innocent driver in the accident. There is also a police report that shows that I was NOT the driver at fault. Because of inaccurate information posted by Lexis Nexis my reputation has suffered and I am not able to get insurance quotes that I should be eligible for as a very good driver. I need Lexis Nexis to fix their records as soon as possible and to report correct records to any companies that have reached out to them in the past with any credit inquiries for me. 

I am attaching to this complaint a copy of XXXX letter showing Negligence 0 % for me as a driver in this accident and a full police report of the accident. 

Thank you
Product: Debt collection

This company called me regarding a debt that my relative owed. They were trying to get information on where this relative is located or if they are employed or if I had a phone number or if I could relay message to them. I tried to ask them who they were and why they were calling and they did not give me information of who they were and why they were calling. All they said was they are corporate office based out of XXXX and they are trying to get a hold of my relative for a personal matter. They did not indicate what business they were all they said was they are SRS. After investigating myself I found out that they are spire recovery solutions and they are out of XXXXXXXX XXXX XXXX
Product: Checking or savings account

sometime around XXXX And XXXX of 2023 my Bank of America account was closed due to fraud. The Account stated that a False checked was deposited into the account from XXXX but i am from and have been in XXXX. I had recently lost my phone around this time with my mobile banking app connected to that lost device. When i tried to log back into the account i was denied of service and with no clue why i tried to open another account. that when i got denied for any and all bank accounts.
Product: Money transfer, virtual currency, or money service

I did not give any authorization for anyone to take money out of my account,
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts that I am unfamiliar with, I have ask the XXXX XXXX for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of MY ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and Validation of the debt letter.
Product: Money transfer, virtual currency, or money service

This company 1st let somebody use my card for more than {$700.00} worth of transactions, knowing that I 'm in traveling to the other side of the country for work. My Bank did not credit me any of my money for approximately 10 days. Within the 10 days I was only left with {$20.00} to my name while waiting for my account to get credited back. I was charged {$80.00} for transaction fees that I was not aware of as a result for the bank taking my money. When I called to have the transaction fee waived, I was met with hostility and accusations. I was told that certain fees were not going to be waived because I committed the transactions. I explained to them I did not, and they said there was nothing that they can do about it. Person hung on me i called back and then they funed me back the fee they charge. this bank super unprofentional and i will be banking with someone else for now on Santanders bank worst bank ever
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a consumer, am submitting this complaint against Transunion and there is no third party involved. Transunion has my personal information inaccurate and incorrect on my consumer report, which is causing great stress. MY NAME IS XXXX XXXX. I do not have any other names or aliases, and I do not wish to disclose any other names or aliases. Unless Transunion can produce or present to me legally authorized evidence to retain much less report these names, I DEMAND THAT TRANSUNION DELETE THEM FROM MY CONSUMER REPORT. Otherwise, they are infringing on my consumer rights. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I currently have NO OTHER ADDRESS and I do not wish to disclose ANY OTHER ADDRESSES. Therefore, If you are reporting ANY OTHER ADDRESSES I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER REPORT. Transunion has no legal authority to retain these inaccurate addresses on my report, especially without my written consent. if applicable, ALL OF THE PHONE NUMBERS LISTED ARE INACCURATE AND I DO NOT WISH TO PROVIDE ANY TELEPHONE NUMBERS. I do NOT wish to disclose ANY EMPLOYERS, unless you can produce or present to me legally authorized and verifiable evidence to retain much less report these employers. I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER CREDIT REPORT. The name on my ID and utility statement is how my name should be spelled. XXXX XXXX. The address on the enclosed utility statement is my ONLY ADDRESS. Included are exhibits to evidence the correct spelling of my name ( ID ) and correct address ( UTILITY STATEMENT ). I DEMAND TRANSUNION TO CORRECT THIS INACCURATE INFORMATION WITHIN THREE ( 3 ) BUSINESS DAYS BECAUSE THIS IS CAUSING ME PROBLEMS OBTAINING HOUSEHOLD GOODS, A PLACE OF RESIDENCE, TRANSPORTATION, AND STABILITY. Transunion is now liable for damages of $ 1000/violation for Civil Liability for willful noncompliance, which Transunion has failed to comply. This also includes any actual damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA states that it is EXPERIAN 's duty to report correct and accurate information on my credit report and file. However, they are NOT doing that. EXPERIAN is reporting inaccurate late payments for the XXXX XXXX XXXX  XXXX account ending in XXXX. The inaccurate late payments include 150 days delinquent on XX/XX/2018. This is incorrect and is supposed to be reporting as PAID AS AGREED. Moreover, according to XXXX5 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does NOT contain information or experiences between the consumer and the person making the report. A late payment is a " transaction ''. Therefore, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights under the FCRA. Lastly, I did NOT give EXPERIAN written instruction/ permission to furnish the inaccurate late payments on my credit report or file- violating 15 U.S.C. 1681b ( a ) ( 2 ). With all said, it is clear that EXPERIAN has violating my consumer rights and the reporting of the inaccurate late payments has cause me and my reputation severe harm and discrimination.
Product: Debt collection

Ive been a victim of identity theft someone got hold of my information and run up my cards and when I contacted the company they said they would take care of it but didnt and its still on my credit report negative which is not fair to me