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  XXXX Acct # : XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX  Acct # : XXXX XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX Acct # : XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # : 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 instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after reviewing it there is one account reporting on my credit files that I had no Knowledge of. The first account is XXXX I did not authorize them to open this account. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in XXXX and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604, and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your companies.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request that TransUnion take immediate action, in accordance with the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX  to block fraudulent information from my TransUnion consumer credit report within 4 business days. The accounts, collections, hard inquiries and address in question are the result of identity theft and do not belong to me. I request that these items be removed from my credit report within 4 business days of receipt of this complaint, as stipulated under the FCRA. The fraudulent information that needs to be removed includes the following : XXXX XXXX Opened XX/XX/XXXX with a balance of {$590.00} XXXX Opened XX/XX/XXXX with a balance of {$0.00} XXXX Opened XX/XX/XXXX with a balance of {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX with a balance of {$2600.00} XXXX & XXXX XXXX XX/XX/XXXX with a balance of {$490.00} My only address is XXXX CORAL XXXX XXXX XXXX XXXX XXXX FL XXXX. None of these accounts, collections, hard inquiries and addresses were initiated by me, and they are a direct result of identity theft. As evidence of the fraudulent activity, I am including a copy of my FTC Identity Theft Criminal Complaint ( # XXXX ) & ( # XXXX ). I expect that TransUnion will act swiftly to resolve this matter and block the fraudulent information from my credit report as required by law.
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX )
Product: Mortgage

We are behind on our loan. I have called over 3 times to try to get payment assistance. Each time I was on hold over 18 minutes and one person had me on hold 37 minutes. After trying to get help I was sent an act 91 notice with over 500.00 in fees added to my mortgage. In the meantime I have spent over an hour on hold  trying to get help. Today I set an appointment with XXXX XXXX to discuss home modification. Appointment time XXXX. I waited 35 mins. She never called me. All while wells Fargo says they want to help people. Yet they don't even answer calls
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters as well as proof of my identity as XXXX XXXX XXXX to Experian in order to have fraudulent information blocked from my credit report with regard to an account by the name of XXXX XXXX XXXX - Account # XXXX. This account has been on my credit report for several years with relation to a fraudulent name of XXXX XXXX XXXX. Experian removed the fraudulent name from my credit report, but is refusing to remove the fraudulent account ( XXXX XXXX XXXX ) that it is associated with. I have requested that Experian conduct an investigation and provide me with the evidence obtained such as a contract with my wet signature on it verifying whether this account belongs to me. I have yet to be provided with any such evidence. Experian continues to say that the creditor has certified that this account belongs to me. 

I have followed all of the necessary protocol to have this information blogged from my credit report. I have provided all pages of the identity theft report, including validation that the report was filed with a federal, state or local law enforcement agency, my full name, social security number, all addresses within 2 years, date of birth, copy of my driver 's license, and my utility bill. I have provided this information several times with the last time being XX/XX/2022. Experian is violating my rights of having accurate information on my credit report. If the name associated with the XXXX account is not mine, the account is not mine either. Please enforce my rights under FCRA 605B - 15 U.S.C. 1681c-2. Experian has not conducted a proper investigation and they have not honored my rights under the FCRA. 

REMOVE the account ( XXXX XXXX XXXX - Account # XXXX ) immediately. XXXX nor Experian has been able to provide any documentation to verify that this information is accurate or that it belongs to me at all. Experian has not provided a description of what documentation they investigated to determine that the dispute should not result in a deletion as requested by my previous dispute/letters.
Product: Credit card or prepaid card

On XXXX XXXX, 2017 a withdraw of {$700.00} was taken out my card from an ATM in another state. I called XXXX XXXX, and a woman by the name of XXXX took down my information she stopped the card and told me she will send a different card. XXXX was the one that told me where it was taken out of. XXXX was transferring me to level 2 to dispute the money, I was on hold for a few minutes the phone hangs up on her end. I try calling back and nothing its been hard. So now I do n't know what to do. I even called social security because the card was provided by them, but nothing all they told me was to call the card. That was my rent money and to buy groceries.
Product: Credit reporting or other personal consumer reports

I was looking through my consumer reports and noticed 3 hard inquires on my XXXX account and Experian account. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy according to the Fair Credit Reporting Act. I did not provide written consent to report the following inquires on XXXX : XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, and XXXXXXXX  XX/XX/XXXX . Please investigate and provide proof that I authorized the reporting of this information. IF proof can not be provided, I demand these hard inquires to be removed from my XXXX and Experian account.
Product: Credit reporting or other personal consumer reports

Greetings and Blessings from the XXXX XXXX XXXX. Per the FCRA as a federally protected consumer and child of XXXX. I am formally opting out of all authorizations, I the consumer XXXX XXXX XXXX may have given XXXX XXXX XXXX XXXX written, unwritten, verbal and nonverbal per 15 usc 6802. For Account : XXXX and for Account XXXX, XXXX XXXX XXXX XXXX has consistently violated my federally protected rights. Despite numerous requests to cease their reporting to the CRAs ( Credit Reporting Agencies ) to which they have not provided documentary proof the CRAs are affiliated with the bank in any way to require my non-public information be sent to them without my authorization. Lack of authorization from me the consumer XXXX XXXX XXXX is a violation of my federally protected rights. According to their privacy policy it states as part of everyday business purposes as the consumer I can not limit sharing. If this is the case, why is 15 usc 6802 in place? The banks entire existence rests upon my signature and the authorizations that were given to them by use of my signature. Yet, under the hood XXXX XXXX XXXX XXXX has reaped all the benefits of my good name and has not provided me remedy or equity in any transaction they've made using my good name and social security number.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account # XXXX is violating my rights.It is reporting repeatedly charge off and that is manipulating the statue of limitations.According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.This account is violating my federally protected rights and I demand this account be deleted from my XXXX, Equifax and XXXX and XXXX credit reports and also { {$1000.00} } in damages for the pain and suffering and the credit violations.It has caused me XXXX XXXX a lot of pain and suffering because I'm not able to get an auto loan.delete XXXX XXXX account # XXXX from all Credit bureaus. 


This false reporting is not merely an error ; it reflects " actual malice, '' as XXXX, Equifax and XXXX knowingly and recklessly disseminated incorrect information. The damage to my reputation has been substantial, and this defamation can not go unaddressed. IV. Financial Harm Resulting from Inaccurate Reporting Due to XXXX Equifax and XXXX willful and knowing misreporting, I have been denied credit cards and auto financing, and I do not qualify for an SBA disaster loan that is critical to my financial stability. This violation of 15 U.S. Code 1681n entitles me to recover statutory damages, actual damages, and punitive damages. The financial setbacks I have experienced are directly attributable to XXXX, Equifax and XXXX irresponsible and unlawful actions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, After recently reviewing my credit report I noticed several inconsistencies remain despite my previous disputes, regarding the account ( XXXX XXXX XXXX ). XXXX is reporting a high credit balance of {$0.00}, and XXXX has deleted the account due to not being able to accurately verify it so how did you? These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. This is not an opportunity to reinvestigate. Please DELETE this erroneous item immediately.
Product: Debt collection

I've asked them many times via email to send me the payoff and balance information of my account. Their is some problem with the balance and they will not proved the requested information unless I call them. 

I have an XXXX  XXXX  and speaking with their company exacerbates my condition. As such, I can not be accepting phone calls from the company. I am open to written or email communications. 

All I am trying to do payoff my account but they will not communcate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had taken out an installment loan which was not paid directly to me all at once but would be once the payments were made. I cancelled the loan mid-contract and was owed a refund for some of the money which I had invested towards the account. I received an e-mail from MoneyLion that stated I had until XX/XX/2022 to pay the outstanding balance of {$390.00} and that XX/XX/2022 would be the last day to do so. 

I paid the outstanding balance and left MoneyLion with a {$0.00} balance on my account prior to the date which was set for the deadline to make said payment. However, in XX/XX/2022 I began receiving notifications from XXXX, XXXX XXXX, XXXX XXXX that MoneyLion had reported my account as a " charge-off '' status, this was not the case as the letter I received from MoneyLion ( see attached document ) stated I had until XXXX. This was very unsettling and has been very unsettling with me for the past year. 

This account was paid off in full, & I also received a refund for the money I had invested in the account. 

I request the immediate removal of this MoneyLion account due to several inaccurate reporting including dates, amounts, and several inaccuracies which have affected my credit score among other things.
Product: Debt collection

I rode in an Ambulance on XXXX/XXXX/2016. It took a while to get my medical insurance information so that XXXX paid the claim. In that time the charges were forwared to Clark County Collections Service XXXX. I 've paid the ambulance company and the lab company so I should have no other charges to pay but this collection agency is claiming I owe {$1200.00} with interest.
Product: Credit reporting or other personal consumer reports

i have an unauthorized inquiry that was obtained without my consent. it is not opened to an account. this inquiry is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted documents proving that the account from XXXX XXXX, along with XXXX XXXX, and XXXX XXXX was all fraudulent account Ive submitted identity theft report and a police report and the accounts are still on my credit report
Product: Credit reporting, credit repair services, 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 1681. XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXx has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Dear Experian, I demand you comply with the law. I have been disputing this accounts. You have not been able to provide me with any of the requested information, The original creditors have not been able to verify this account. Therefore, I doubt that a solid, good faith investigation was done on my behalf. I demand you comply with the law. The other two major credit bureaus have already done their investigations, and their investigations proved that this accounts were indeed inaccurate and unverifiable. Once again I demand that you comply with the law, If you will not comply, I will have to push my efforts further and take it to court of law.
Product: Debt collection

I paid debt {$77.00} on XX/XX/2023 for my dr visit balance that went to carter young debt collection agency. Here I am today and being harassed by phone calls. Please stop calling me. THE DEBT WAS PAID IN FULL.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax - I have sent over 5 dispute letters to Equifax all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 120 days now! and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

Dates:XX/XX/2021 XX/XX/2021 Actions Taken by Me : Sent 5 dispute letters to All bureaus Equifax by Certified Mail to remove inaccurate accounts.
Product: Checking or savings account

My account on  XXXX   says- XXXX  i was w ondering If u guys could partner up with my bank
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 recieved approval for a car loan amount from my bank, XXXX XXXX. 
XX/XX/2019 went to XXXX XXXX of XXXX PA to negotiate for the car I had chosen. I informed my saleswoman that my bank preapproved me for {$10000.00} ( XXXX XXXX XXXX ) for a purchase. 
WITHOUT MY PERMISSION the saleswoman called 3 lenders and received approval from one. 
I purchased the car because ( approximately ) 2 weeks prior my car was totaled ( my car was parked with no one inside ) and my wife, XXXX children and I needed a vehicle at that time. 
A week later, my bank paid off the loan and still hold the title. 
I would like the 3 inquiries removed from my credit report. 
I DID NOT PRE APPROVE THE INQUIRIES BY THE DEALERSHIP OR LOAN COMPANIES.
Product: Credit reporting or other personal consumer reports

Bank of America refuses to retroactively update my credit report to reflect proper balance history on account of their incorrect accounting/misreporting
Product: Vehicle loan or lease

- On XX/XX/XXXX I paid off my loan with Chrysler Capital. I received a letter from them stating it was paid off and that I was due a GAP refund of XXXX -On XX/XX/XXXX a fax from XXXX in XXXX XXXX XXXX  was sent to Chrysler XXXX at XXXX ( attached ). Jeep in XXXX XXXX  XXXX is where I originally bought my XXXX  and Gap insurance. The fax stated how much my refund was, and where to send refund. This was received by Chrysler Capital on XX/XX/XXXX at XXXX XXXX -On XX/XX/XXXX my cancellation request was accepted by Chrysler Capital . They stated how much my refund was due to me. 

-On XX/XX/XXXX Chrysler  XXXX sent my refund check to XXXX of XXXX XXXX XXXX. NOT made payable to me. It was made pay to the order of XXXX of  XXXXXXXX XXXX  XXXX. XXXX returned the check back to Chrysler Capital and on XX/XX/XXXX Jeep stated they could not give it to me because it was not in my name. It was made pay to the order of them. I was told by XXXX in XXXXXXXX XXXX XXXXXXXX that Chrysler would have to send it to me and to my address since it was my refund. They did not understand why they sent it to them. XXXX sent the payment back to Chrysler Capital. 

-Between the dates of XX/XX/XXXX through XX/XX/XXXX I have called Chrysler Capitall at XXXX. I have spoken to them no less than 20 times trying to get Chrysler Capital to send me my GAP refund to my address and in my name. The most recent time was on XX/XX/XXXX. I was escalated to the 'Executive Department. '' I have spoken to a Mrs. XXXX. She told me that my refund was again " sent in error to XXXX in XXXXXXXX XXXX    XXXX and not to me. 

- I called XXXX in XXXXXXXX XXXX XXXX on XX/XX/XXXX and again they told me that Chrysler XXXX has my refund. They sent it back because they can not legally give it to me because it was not in my name. 

-I paid off my loan in XX/XX/XXXX. We are now approaching XX/XX/XXXX. 

-I paid off my entire loan with Chrysler Capital faster ( about 7 months ) than it has taken for them to refund my GAP insurance properly. 

- I would like to say again that I have called Chrysler Capital no less than 20 times in the course of 7 months trying to get them to correctly send me my GAP refund.
Product: Credit reporting or other personal consumer reports

upon reviewing my credit report, I discovered the following unauthorized inquires listed on my credit report. I did not apply for credit or authorize these companies to check my credit report. These inquiries were made without my consent, in violation of the Fair Credit Reporting Act. I am requesting immediate removal of these fraudulent inquiries from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian
Product: Credit card or prepaid card

it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of anxiety, and I kindly request that you address it promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested information/ documents on accounts that I feel were not mine and inaccurate the disputes occurred XXXX Credit bureaus have failed to conduct the proper investigation on accounts disputed. With no response for over 30 days and when receiving letters of investigation no documents where provided to prove the accounts where accurate and mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts disputed.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX