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

Information is reporting on my credit report that does not belong to me. I have never had a cell phone plan or a credit card. EVER! I only use pre-paid phones. And I have never used a credit card in my life. At the time that these accounts were opened, I was XXXX. I complained to the FTC and also the XXXX because I am unable to obtain work or ever get a cell phone plan Please remove these items from my report XXXX XXXX XXXX - Opened XX/XX/2018 Balance {$1200.00} XXXX XXXX XXXX  - Opened XX/XX/2018 Balace {$460.00}
Product: Credit card

I had a XXXX XXXX through Wells Fargo. Wells Fargo withdrew money out of my connected back account as a payment that was never authorized or needed as the balance of the card was XXXX and the card was not used for months leading up to the withdrawal. I have been fighting customer service for months trying to get this settled and have put in XXXX complaints with their executive office. Neither time have I heard back within the time frame I was told/at all. I currently have a credit of XXXX on the account but am having to fight customer service again to get that refunded to be as the card was reported lost or stolen when I never reported the card as such. It has been weeks after reaching out and many phone calls later with no escalation and no response. All I get is we cant get ahold of your case manager right now. I will be taking this to a lawyer if it is now solved and my money refund. If a lawyer is needed additional compensation will be required. Wells Fargo customer service is the most incompetent out of any bank I have ever experienced. The case manager for the most recent complain is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It isXX/XX/XXXXme out and making meXX/XX/XXXX Hope you can address this soon, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY. AND I WOULD LIKE FOR EXPERIAN TO ADDRESS THIS COMPLAINT
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX XXXX 2016 I NOTIFIED THE CREDIT BUREAUS AND FRAUDULENT ACCOUNT CREDITORS OF THE FRAUD. BOTH PARTIES ARE IN VIOLATIONS. 
1. 18 U.S.C. 1028 2. 18 U.S.C. 1029 3. 18 U.S.C. 1030 4. 18 U.S.C. 1341 5. 18 U.S.C. 1343 6. 18 U.S.C. 1344 I NEED THE CREDIT BUREAUS TO SHOW 100 % PROOF THAT THESE ACCOUNTS ARE MIND OR REMOVE THEM ASAP
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} CAMPING WORL XX/XX/XXXX FIFTH THIRD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Tn XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Verification and Copy of 1099-C for Charged-Off Account Dear Experian, I am writing to formally dispute the reporting of a charge-off account listed on my credit report. The account information is as follows : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> I request that you verify this debt in accordance with the Fair Credit Reporting Act ( FCRA ) and provide me with all supporting documentation, including a copy of IRS Form 1099-C. If the debt has been forgiven or written off by the creditor, as indicated by the charge-off status, the creditor is required to issue a 1099-C for the amount canceled. 

Please note that failure to verify or provide the requested documentation within 30 days may result in my request to have this item removed from my credit report. 

I have attached a copy of my drivers license/state ID to verify my identity. Additionally, I have enclosed a copy of my credit report highlighting the disputed account. 

Thank you for your attention to this matter. I look forward to your prompt response. If you need any further information, please do not hesitate to contact me at XXXX or XXXX Sincerely, XXXX XXXX
Product: Debt collection

I've sent 2 validation letters ( XX/XX/2021 and XX/XX/2021 ) to Penn Corp to validate the debt. I send both letters certified and got confirmation they received them. Both times they did not validate the debt, I requesting documents with my signature, specific dates and procedures if any was done. Both time they just send me a copy of a bill, that could be anybody 's bill. They did not validate the debt. At this time I'm requesting the get these removed off all 3 credit bureaus, for lack of validation. The company has not provided me with any proof of the debt other than a random bill. The name on the bill is not mine and the address on this bill also is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

The consumer reporting agency Equifax is in violation of 15USC 1681i ( 5 ) for knowingly reporting data that has been proven to be inaccurate, incomplete and unverifiable data on my consumer report. I was not notified with the description of their investigation results as per 15USC 1681i ( 7 ) into such inaccurate data listed in my notice sent ( attached to this complaint ) to Equifax that must be removed due to violations of 15USC 1681 ( B ) - 15USC 6802 ( B ) - 15USC 1681 ( 2 ) ( a ) ( i ) - 15USC 1692 ( g ) and 15USC1681i ( B ). The nature of my dispute demands removal of all the inaccurate data listed in my notice.
Product: Debt collection

I sent them a cease and desist letter which they confirmed that they received in XXXX but they still contacted me after receiving the letter by sending me a letters on XX/XX/XXXX and XXXX different letters both dated XX/XX/XXXX which are FDCPA violations.
Product: Credit reporting or other personal consumer reports

There is an account for RENT RECOVERY SOLUTIONS that was opened in my name.. It was opened with out my knowledge. I have contacted this company numerous times. I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the debt associated with Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported by your agency as follows : Original Creditor : ** XXXX Original Amount Owed : ** {$4000.00} Current Amount Owed : ** {$4100.00} Date Assigned : ** XX/XX/XXXX Balance Date : ** XX/XX/XXXX Status : ** Unpaid This account contains inaccurate and incomplete information that violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically : 1. **Incorrect Balance : ** There is a discrepancy between the original amount owed and the current amount. Please provide a detailed breakdown explaining the additional charges added to the original balance of {$4000.00}, which now reflects {$4100.00}.

2. **Unverifiable Information : ** The status date, balance date, and account details are ambiguous and lack supporting evidence. Please provide documentation verifying the debt, including : - A copy of the original agreement with XXXX, showing my signature. 
- A detailed account of all payments, charges, and fees applied. 

3. **Account Designator and Classification Concerns : ** This account is reported as an **INDIVIDUAL_ACCOUNT** under **BANKING** classification. I request verification to ensure these designations are accurate and consistent with the original creditor 's reporting. 

4. **Date of First Delinquency : ** The " Date of First Delinquency '' is listed as XX/XX/XXXX. This date must be substantiated with appropriate records from the original creditor. 

Furthermore, the comment on this account states that the " **CONSUMER DISPUTES THIS ACCOUNT INFORMATION**. '' If this has been previously disputed, I request the results of your investigation and all evidence considered.
Product: Mortgage

On XXXX XXXX my insurance agent submitted the quote along with the offer from XXXX for windstorm and hail insurance and from XXXX for hazard insurance on my property. Funds were available in escrow for both policies. PNC paid the hazard insurance, but did not pay the windstorm and hail policy. PNC put forced insurance on my property for the windstorm. This forced insurance increased my mortgage payment. I requested that a case be opened and research be done showing that documentation be considered showing that everything done on my end was done correctly and in a timely manner which should have prevented this issue from arising. 

PNC then determined that the documents that were submitted was a quote and they could not accept a quote as proof of coverage. Now to be clear I have the quote, but I also have an offer of insurance from this company, dated for the same day, XXXX XXXX, should I accept the offer ; I would need to make a payment. This offer letter has the premium amount and a coupon requesting payment should I accept. Nowhere on this offer does it state that its a quote. At this point, the insurance company is requesting payment if I want the policy. 

My insurance agent stated that most insurance companies offer a 10 day grace period for payment, but this company does not. When a payment for the policy is made then the coverage will start, hence acceptance of their offer. There will be no declarations page until the policy is issued and the policy is issued upon receipt of payment. 

Also, the premium that they finally paid from my escrow is with the insurance company that gave the quote and made the offer. It should be evident that XXXX was awaiting payment from them. 

I have gone round and round with PNC. Ive done everything that I could have possibly done correctly and in a timely manner. Funds and paperwork was in PNC possession. They finally ended up paying the premium and cancelling the forced insurance, but now they are expecting me to pay for the time period of the time of coverage that had lapsed until when they decided to pay the premium. This had nothing to do with me or my agent. The mortgage company, PNC, had everything they needed for insurance to be placed on my property. They payed Hazard and not the Windstorm and are looking for me to pay for their incompetence. This is unethical and it should be unlawful. My agent and I have done everything we know do to prove to this company that weve done our due diligence, yet they are ignoring the obvious facts. I need help to resolve this matter. The consumer should not feel like they are being railroaded by their lender.
Product: Debt collection

Midland Credit Management , Inc, is reporting me for collection unjustly because I tried to pay my supposed debt with them and they say that my account is under other company. However, they continue reporting me for collection. It is happening for at least three months. In addition, they have increased the amount of my debt without a reason. My question is, how a company can report me to collection when I have called them three times on three different months to pay my debt and they do not want to give a solution to my case? According to their representatives, my debt is under a legal department but I did not receive any paper from that department and also they have to supposed to receive my payments and do not report me for collection because I have been opened to pay my supposed debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Well I noticed lot problem miss spell name other account list as decide I'm correct address that I never lived just lot puble goes up credit without consent just not safe any more got me on here not me only see my address other Miss spelling I was not born XX/XX/XXXXthat person is dead I was born XXXX XXXX XXXX XX/XX/XXXX please fix all error
Product: Credit reporting or other personal consumer reports

please remove these inquiries from my credit report ASAP XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX - XX/XX/2023 These Inquiries are not authorized
Product: Debt collection

I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear XXXX violation due to its failure to comply with any aspect of XXXX standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and reviewed several unauthorized consumer inquiries on my report. The unauthorized inquiries are in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. 15 U.S.C. 1681 ( b ) states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681 ( e ) of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681 ( b-f ) I have never authorized any transactions with the following companies listed below As well as I do not have an account as defined under 15 USC 1693 ( a ) 2 with any of the below listed companies of any sort. 

EQUIFAX : 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 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 card or prepaid card

I AM A VICTIM OF IDENITY THEDT MY FEDERAL TRADE COMMISSIION IDENITY THEFT REPORT NO # XXXX I DID NOT APPLY FOR A KOHLS STORE CREDIT CARD ON XX/XX/2020 THIS IS FRAUDULENT ACTIVITY PART OF MY IDENITY THEFT. 

I TRIED TO GET THE FRAUD DEPT NUMBER I WAS DISCONNECTED TWICE. 

KHOILS/CAPONE IS FRAUDULENT IDENTITY THEFT
Product: Debt collection

I have disputed this collection before and it was removed from my credit report. Now it is back and they are sending me letters trying to collect a debt I do not owe. This account does not belong to me. I have never had an account with this Creditor. I am requesting that it be removed from my credit report. If you fail to remove it, you are required by law to provide proof that the debt is mine. Please see the attached document and the comments.
Product: Debt collection

received a statement from Convergent Outsourcing , Inc. stating that I owed XXXX XXXX {$150.00} when I 've never had a XXXX account. I called XXXX to verify that I did not had an account.
Product: Money transfer, virtual currency, or money service

Tranferwise deactivated my account and cancelled all the transactions that were in the amount of {$660.00} {$990.00} {$990.00} {$990.00} {$1300.00} That is total of {$4900.00} taken out of my account. When i call customer service they tell me we didn't take any money nothing was taken out of your account so there will be no refund. I am going crazy since a week calling customer service over and over again all i get to know is we dont owe you anything there is no refund coming. 
I have attached my bank transaction that completely shows money is taken out. They are just scam trying to take money fraudulently. Easiest way for them is to take money from bank and then deactivate tranferwise account saying we don't owe you anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that I have called Experian consumer reporting bureau everyday since XX/XX/2022, since they verified a fraudulent account on my consumer report. I have asked Experian repeatedly how are they verifying this fraudulent account on my consumer report since its fraud. I specifically stated in my dispute to validate, not verify this account. Experian has verified this account. Experian has also violated the FCRA guidelines when it comes to investigating a identity theft victim. I have told Experian that the information pertaining to this fraudulent account, XXXX  XXXX XXXX XXXX, is incorrect information. I told Experian I had the information that was provided to me from XXXX  XXXX XXXX and all the information on there is incorrect. I told Experian that the address was wrong on the paperwork, and it was also showing another company as the creditor on the account which is fraud. Experian told to me that XXXX  XXXX XXXX XXXX didn't provide that to them, they just verified that the account is a charge-off and 90 days past due and I owe an amount of {$23000.00}. Please that this is also a violation, because how can account be charged off and also past due at the same time with a balance. Also Experian has been reporting this account as late and a charge off every month since XXXX of XXXX  which is a violation of the FCRA because according to FCRA, the Consumer reporting agencies are suppose to report accurate information at all times and this is clearly not accurate. Also, Experian noted to me that they don't always verify or validate the accuracy of the furnisher they just take their word for it. I have all this recorded and I plan to upload this information to all news outlets and major platforms to make every consumer aware of how the consumer reporting agencies take advantage of consumers. I also plan on seeking compensations for the damages caused by Experian for humiliation, fraud, and negligence.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 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  has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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

Chase bank apparently conducted hard pulls on my credit 6 days apart last year and wont remove them. I don't understand why one place would need to hit me twice in one week, often it takes a month or two for my credit score to update changes. It is hurting my credit score, and I have never had any delinquent marks or accounts or payments.
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from the advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1001.142 ( b ) ( 7 ). I kindly request that you block this information from my consumer report within four business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all the listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts within 4 days
Product: Debt collection

Person called from what showed up as a friends number ... they left voicemail saying they were representing a lawsuit. They left a phone number of XXXX with a case number.. I called them back and they said they were representing fifth third ( fifth 3rd ) bank. They had my social, dob and full name. Said I was being investigated for malicious and predatory borrowing.. Ive never had a fifth third bank account and Ibe never been in trouble or dont anything bad financially.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking, and the information listed below on my credit report is a result of that trafficking : ACCOUNT NAME 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Southwest Recovery services, XXXX XXXX XXXX XXXX # XXXX, XXXX, Tx XXXX. This is a collection agency acting as agent for XXXX XXXX, XXXX XXXX XXXX, # XXXX, XXXX, Tx., XXXX. 
I visited XXXX XXXX early in XXXX ( date uncertain ). Dr. XXXX examined me and stated the growth on my cheek was not malignant, and not harmful. He did recommend that he remove, by freezing, two very small " XXXX XXXX '' XXXX   behind my left ear. I approved. After being discharged I asked the receptionist " What are my charges ''? This employee stated {$20.00}, which I paid at that time. 
Soon after I received a statement from XXXX XXXX for {$140.00} for " XXXX ''! I called XXXX to complain and was told that " freezing XXXX XXXX are considered XXXX ''!!! I Refused to pay this extortion! XXXX continue to mail statements. The " good '' Dr. referred my " Bill '' to Southwest Recovery Services. 
Upon receipt of the demand letter from S/W, I sent by U.S. mail a " Cease & Desist '' letter. Southwest Recovery ignored the Cease & Desist. 
My credit report indicates that S/W Recovery lists " First reported XXXX XXXX '', Date Opened-XXXX  XXXX, Balance {$140.00} as of XX/XX/XXXX and as a result there is a " derogatory '' entry '' in my credit rating. 
Southwest Recovery is in violation of the Fair Debt & Collection Practices Act.

This law prohibits Collection agencies from entering ANY derogarory information against an individual once they have been served a " Cease & Desist '' notice!!

Obviously, S/W Recovery considers that this FDCPA rules do not apply to them!