23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I continue to receive calls from this debt collector to me, all persons listed as references, my employer, colleagues, as well as my family and friends not listed as references, even after sending 2 letters to stop such calls and harassment.
Product: Credit card or prepaid card

On XX/XX/2018 someone used my Identity for open this account that its FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received investigation results.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to your recent claim that the Account # XXXX is belong to me that is my account, Yet you have failed sending the Wet Ink contract bearing my signature and an agreement showing I have legal obligation to pay you.
Product: Checking or savings account

XXXX bank has always stole money. Now charging overdrawn charges every week. They should be fined. If they would credit fraud charges XXXX pocketed I would not be overdrawn. 
Stop charges fees. Credit for fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I Recieved Notice of An Inquiry On My Consumer Report From Navy Federal Credit Union, In Which I Did Not Authorize The Furnishment Of My Information. As The Consumer / Creditor / Natural Person It Is Unlawful To Furnish Information Of The Creditor If They Believe It To Be Inaccurate According To " 15 usc 1681s - 2 ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

All these inquiries are fraudulent..I filled out for a loan and the inquiries came on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a vehicle charge off on my credit report from Prestige Finance and this appears to be fraud. This has hurt my credit tremendously and I would like this item removed. I have tried to contact the company but they would not assist me in this matter.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX AND 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 charge off, inquiries and collection accounts from XXXX with a balance of {$300.00} account # XXXX, XXXX XXXX XXXX  XXXX with a balance of {$4500.00} account # XXXX, XXXX  account system with a balance of {$250.00}, XXXX XXXX XXXX with a balance of {$300.00} account # XXXX, XXXX XXXX XXXX with a balance of {$250.00}. inquiries- XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX. 



These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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

I had a collection account with XXXX XXXX XXXX where in XX/XX/XXXX I sent a certified mailed letter asking for them to validate the debt with my signature stating I owed them. They failed to respond. I contacted them in XX/XX/XXXX and was told they are still awaiting the information from the original creditor Omni Financial, but got no response. In another attempt, I filed a complaint with CFPB against them ( complaint XXXX ). They responded by stating they aren't reporting to any credit bureaus which is false. I contacted them again and a supervisor refused to get on the phone stating I needed to contact Omni Financial. I have contacted Omni financial on multiple occasions, and they have told me the debt was purchased by XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of a charge-off account appearing on my credit report under XXXX XXXX  with account number XXXX ; XXXX XXXX with account number XXXX ; XXXX XXXX with account number XXXX ; After reviewing my report, I have identified several inaccuracies in the reporting of this account, specifically regarding the erroneous reporting of a credit balance on a charged-off account. 

This dispute is being made pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as the current reporting of this account violates several provisions within these laws. Below are the details of my dispute : 1. Reporting of a Credit Balance on a Charge-Off Account The accounts in question is reporting a credit balance even though the account status indicates that it has been charged off. According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA, furnishers of information must provide accurate information to the credit reporting agencies. Reporting a credit balance on a charged-off account is inherently inaccurate and misleading to potential creditors. A charged-off account should reflect a XXXX balance due to the charge-off status, not a credit balance, as this misrepresents the true nature of the account.

Furthermore, under the FDCPA ( 15 U.S.C. 1692e ), it is illegal for creditors or debt collectors to make false or misleading representations regarding the character, amount, or legal status of a debt. The presence of a credit balance on this account could be interpreted as an attempt to misrepresent the amount owed, which is a direct violation of this statute.

2. Failure to Properly Update Account Status The creditor has failed to accurately update the account status and balance information, which is a breach of their obligations under the FCRA. According to 15 U.S.C. 1681i ( a ), the credit reporting agencies are required to investigate and correct inaccurate information within 30 days of receiving a dispute. This account has not been properly corrected or verified, which raises concerns about compliance with this provision.

Requested Action I request that the inaccurate charge-off reporting be immediately investigated and corrected. Specifically, I request that the following actions be taken : 1. The removal of any erroneous credit balance from the charge-off account. 
XXXX. The correction of the account status to accurately reflect a XXXX balance, if applicable. 
XXXX. A thorough investigation into the accuracy of all reported details associated with this account. 

Additionally, I am requesting that any unverifiable or inaccurate information be deleted from my credit report, as required by 15 U.S.C. 1681i ( a ) ( 5 ).

Please be advised that I will be maintaining a record of this dispute for future reference and potential legal action if compliance is not met. I expect to receive a response within the 30-day time frame mandated by law.

Thank you for your immediate attention to this matter. Please send written confirmation of the results of your investigation and any updates made to my credit report.
Product: Credit card

During the months of XXXX & XXXX of XXXX  CB Indigo Mastercard 's payment portal was not working properly. I tried to contact them via phone but there was no way to get a live person during this time and the recording referred me back to the website ( which wasn't working properly ). I submitted my payment multiple times after the website showed the payment as received then the next day showing it was due again, then late ( which it wouldn't have been had their system been working properly ). I've been a long time customer and never had a late payment on their card. This late notice due to their system errors should not be held against my credit.
Product: Consumer Loan

I received a phone call from a " collection agency '' who claimed I still owed a debt to XXXX XXXX XXXX XXXX in excess of $ XXXX. That debt was dismissed in bankruptcy over 30 years ago and the credit union no longer exists. They wanted me to send some money to them and they would make the debt disappear. The phone number they use is XXXX XXXX XXXX. They had called several times a week or XXXX earlier This is an obvious scam. You have the expertise to look up their number, find out who and where they are, and do something about it. If you do not want to do anything about it, tell me who they are and where they are and I will handle it myself. Thank you.
Product: Debt collection

Over a year ago I went into the process of looking into the details of my credit more closely to prepare to eventually purchase a house. I saw an account for a credit card that was apparently opened up, and maxed out. The total reported from the collection company was {$490.00}. I contacted the company- capital one- and they sent me a report of the details of the transactions. I saw that the card was only used strictly for cash advances- and when there were no more funds available- the card went unused and eventually closed. Getting the details of how the card was opened, and where it was sent to- it was disocvered that it was sent to the address I was living at previously with my ex-girlfriend- where she at the time still lived. She had access to all my information and based off the the details it appears that she was the one that opened it and used it for cash advances. Since I had proof I no longer lived at that address- and knew that I did not open that account- I filed a police report on XX/XX/2017. On XX/XX/17 I received information from the XXXX Police Dept that my report was approved and would be investigated. I confirmed with the Financial Crimes Unit today that it is still being investigated. However, even after submitting a police report to Capital One, and formally disputing it online- it still appears on my credit report and I would like it to be removed.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$7100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple accounts from my credit profile. It has been well pass the dates that they should be deleted, but theres been nothing done about this! I am suffering from the impact that this is causing me, and my business. I would like this to be handled in a timely manner so that I am able to continue my credit building for business purposes. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instruction
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Product: Credit reporting, credit repair services, or other personal consumer reports

I have been waiting for over 90 days. I am filing this complaint because UNITED CONSUMER FIN SVC for violation of FCRA 611 - 15 U.S.C. 1681i, they have had 120 of days to investigate the account and have received no response which they have ignored with is a violation of your consumer rights under 611 - 15 U.S.C. 1681i
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX I received a notification of a bank transfer from my local bank XXXX. An acct that I barely use. Or thats what initially looks like when you first see the transaction on the Current app but when you click on it and open it, it shows it is a XXXX XXXX XXXX transfer and I do not have a XXXX XXXXXXXX XXXX account, I contacted XXXX to see if somehow that happened through them because I had just two weeks ago added my XXXX banking account number to my current account with my routing number via the Current app. I explained this to the rep and that this need to be escalated because somebodys obviously hacked into my current account because the XXXX account number is not listed anywhere but on there. And I do not have any accounts with XXXX XXXX XXXX. As usual they seem very unconcerned tell me its gon na take up to 60 days to get this money back. While on this chat with current because you can not call them. I was also in contact with XXXX. I wanted to make sure that nothing was initiated from my account with them. They told me no there was no transaction for this amount or anything showing up on my account with any kind of transfer whatsoever. due to this, I asked current rep if he could please close this bank account number out and reopen another one for me because it is fraud and now they have my bank account information. I Was told no that they could not issue me another account number that if I closed it if it was ever reopened, it would be reopened under the same account number. That is ridiculous. I have fraud going on in my account, and nobody will close my account and give me another account number theyll close it, but it does nothing because it still if I open up another one I get the same account number back this does not make any sense to me. This is not helping me eliminate this fraud. you cant call anybody up there so I have no way of getting any information other than what is listed on the app regarding this charge nobody ever calls me and this is happened a couple different other times with my credit card but yall close that out but you will not close the account out. That does not help me.
Product: Checking or savings account

Starting XX/XX/2020 Wells Fargo Has failed to inform me about the fraudulent Wire Activity that has happened on their end. I have received an extremely Suspicious check from my former employer. I do suspect Wells Fargo of withholding information and lying to me about what really happened with my case number. I have been constantly run around every time i ask for answers on my case. I have been told a police referral was sent, and that i was to receive a copy of the evidence that was sent to the " Other Party ''. It is now XX/XX/2020 and i have not received any clarification on what was done about the fraudulent activity resulting from my former employer XXXX XXXX, XXXX XXXX XXXX, And XXXX XXXX XXXX XXXX XXXX. I would like resolution and restitution for damages, and negligence on behalf of wells fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I noticed a number of fraudulent inquiries. I didnt request credit from the following companies. 

1. XXXX XXXX  XXXX 2. XXXX XXXX. XX/XX/XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5.XXXX XXXX XXXX 6.XXXX  XXXX XXXX 7.XXXX  XXXX XXXX XXXX 8. XXXX  XXXX XXXX 9. XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX 11.XXXX XXXX XXXX 12. XXXX XXXX XXXX XXXX 13. XXXX XXXX XXXX XXXX 14. XXXX XXXX XXXX 15. XXXX XXXX XXXX XXXX 16. XXXX XXXX XXXX XXXX Please see FTC report attached. All of the following inquiries are fraudulent!!
Product: Credit reporting

I contacted XXXX online as I do once a year to check as I 've had many false and out right lies applied to my credit reports due to ex-wife of 14yrs+. So on XXXX XXXX, 2015 I went online to check and XXXX XXXX in an electronic response told me to contact Trans Union about my information as It shows that according to TU " I 'm not Me. " Wow people who do n't know me or has every had a copy of my XXXX SS Card or my Government state issued license, or even met Me can tell all others that I 'm not me. I called after going thru the email TU contact, then by phone from XXXX XXXX 2015, TU cleared off the collection on my account then w/o my permission they put a 90 day Identity theft hold on my account then reported to XXXX the hold and had then put the hold onto those agencies too after I had it removed from XXXX again as TU keeps reporting this false claim and I video recorded the conversation per the XXXX here NV. This will clearly show that XXXX has refused my email, phone, and mail request to cease w/ their abuse of my personal information as I do not use or wish to have them have my personal information as for over XXXX TU has blocked those I do give my information to is thru an contract or business agreement just incase of legal issue. TU reps and mgr all XXXX Called back on XXXX XXXX, 2015 all were rude, and w/o merit to demand that I send them my personal XXXX XXXX XXXX XXXX XXXX XXXX in order for them to remove an alert that TU put on w/o my permission as they claim they have the right to. More than a dozen times in less than XXXX mins the XXXX also refused to even when he could see that back on XXXX XXXX, 2015 I contacted TU online and on the phone to have false debits removed then. I explained that how can I verify and have them removed less than 2wks ago and now you will not remove what you see I have emailed, mailed, and called to have cleared within the 24hr period. Instead TU continues to violate my request for them to cease and decease w/ all false reporting, false filings, false report, falsely adding fraud / identity alerts and errors as I have no creditors, bank accounts, mortgages, car payments, no retail accounts, no loans, and no kind of lenders or credit cards. I also requested not to be solicited by any companies or phone calls. TU has refused in all forms of contact to stop but TU refuses and continues to abuse my privacy, name, and ability to be able to put deposits down to use equipment, update lease/ rental agreements, and other activities which require verifying your ID thru SSN in stores and rental companies
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I discovered that two Bankruptcies were reinserted into my credit file. Equifax is required by law to notify me within ( 5 ) days of Re-Inserting a previously deleted item. I did NOT receive any such notifications. Please delete this item that was originally removed XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have disputed an item on our credit report that is inaccurate with the three reporting bureaus ( joint reporting ). XXXX and XXXX corrected the error and removed the item. Equifax has not corrected the problem. 

The item in question is from XXXX XXXX XXXX XXXX   XXXX XXXX XXXX for {$87.00}. It is disputed because it is not our debt. We have been over this time and time again with the apartment complex and with the collection agency. Their incompetence and intent on being malicious and intentional in attempting to collect this debt is becoming irritating and annoying. We have demonstrated that it is not ours through pictures, letters, e-mails and conversations. The collection agency recognized that it is not ours but still insists on not correcting it because they have to go by what XXXX XXXX XXXX XXXX says they must do. This insanity has to stop NOW! 

We are tired of talking and proving to these crooks that it is not our debt. We now hold Equifax accountable and insist that they hold their poor business practices accountable to their error and oversight and immediately fix this problem by removing it from both our credit reporting.
Product: Money transfer, virtual currency, or money service

MoneyLion will not allow me to transfer XXXX dollars to my XXXX   because they have XXXX extra balance requirement which is wrong!
Product: Debt collection

Since XXXX of last year Ive been trying to get duplicate debts removed from my account. Ive had to wait but recently I paid of one debt and it still appears on my report and thats through IC System. I have also initiated a payment plan through XXXX XXXX. I noticed that since my debt was sold it is being reported twice and this in turn has shown discrepancies on my credit report. I am asking that this debt collectors reporting validate that they are collecting on the debt and if the debt has been sold for them to remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update and correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaints, and I'm including it again. 
XXXXXXXX XXXX XXXXXXXX Balance : {$18000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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, credit repair services, or other personal consumer reports

I have so many inquiries from companies the same company over and over again
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage lender tried to pull all three credit reports, but Equifax was the only one they had problems with. They were unable to pull a report from Equifax. I attempted to call Equifax multiple times to speak to multiple different agents, all of them not only were difficult to understand but also were unable to provide any useful information about my account to me even after answering name, social security number, address, date of birth, loan histories, credit card accounts about myself. Their only proposal was for me to physically mail in personal identifying documents, quoting that it would take up to 2-3 weeks to finalize my identity and provide any useful information and a copy of my credit report. This is an unacceptable time frame for resolving any problems in the 21st century, and I may not be able to purchase our home because of this.