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

After Carefully reviewing my credit report i noticed there are a few accounts showing that i have not authorized. Due to this mishap im requesting my credit file be freeze. My name is XXXX XXXX XXXX i reside XXXX ROCKY XXXX XXXX COLUMBUS XXXX OH XXXX, Please remove the following address and unknown credit items from my report ... XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DEBT RECOVERY SOLUTIONS # XXXX, XXXX # XXXX, XXXX following addresses/ and phone numbers are not associated with my social or XXXX MALLCREEK CT, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX, WY XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX the XXXX numbers also : ( 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

Im writing in response to your illegal debt validation letter dated XX/XX/22. Attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX XXXX. 
For starters I DO NOT OWE XXXXCA Financial Services , Inc, your company any money! How are you attempting to collect a debt on behalf of another creditor, a medical creditor at that? Violation of HIPAA. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing that I have an account and contract with BCA Financial Services bearing my signature. 
I need you to provide me legal proof that I have the right to do business with you. What bounds me to you? What business have I done with you? 
I am demanding that you remove this account from my credit reports at once, or I will be filing another complaint with Consumer Affairs. 
It is absurd, might I add illegal for you to enter any collection on my credit file when I have not done any business with you. I do not owe you any money, and I know for a fact that a collection agency can not collect a debt on behalf of another. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Statements are not accurate or valid when adhering to The Fair Credit Reporting Act Sections 609 and 611. These regulations state that I have the right to request the original contract bearing my signature ( you must forward it ) and who has continously verified this inaccurate account. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final good will attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office. Should you continue non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local laws. I further remind you that you may be liable for your willful non- compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to to Section 807-8 ) Violation of the Fair Credit Reporting Act
Product: Debt collection

CCS COLLECTIONS is reporting a Collections account on my personal credit report for XXXX IN as my original creditor, this account is inaccurate, incorrect, and false. There is no contractual agreement between myself and XXXX XXXX currently existing to support any past due amount owed. I have no default to XXXXXXXX XXXX and did not agree to renew or extend any contract with XXXXXXXX XXXX 

Additionally, XXXX XXXX does not appear anywhere on my credit report as a creditor, original creditor, default, charge-off, or past due. 

CCS COLLECTIONS failed to contact me to notify me that XXXXXXXX XXXX turned over an account to collections before reporting this information on my credit report.
Product: Debt collection

The debit HUNTER WARFIELD is holding for XXXX XXXX XXXX in XXXX, TX. Is FRAUDULENT, first and foremost XXXX XXXX is being investigated by the FTC for fraud ( FTC report number XXXX ) and the debt is being increased by HUNTER WARFIELD monthly WHICH IS ILLEGAL! You can't have the amount keep going up on a broken lease for an apartment and I dont live there anymore!!! I havent lived in that apartment complex for 2 years and the debt collection company keeps raising the amount.
Product: Credit reporting or other personal consumer reports

I just checked again my XXXX, XXXX and Equifax credit reports and I can see account reporting inaccurately. Please see attached file below
Product: Credit card

unauthorized purchases Despite no live customer service representative to help with the problem for the entire month of XXXX in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I ended up calling Trans Union THIRTEEN TIMES because the majority of the times I was either quietly disconnected or hung up on! 100 % of the customer service were from XXXX. I can not get into my online account at all. None of these knuckleheads were able to help. All they could do is apologize. 
On Monday, XX/XX/2023 I called Trans Union 5 times and the exact same occurrences repeated. I have repeatedly asked for management, called headquarters, emailed and more, to no avail! This company, in my opinion, should be shut down. Trans Union has a consumer rating of a 2.7 % out of 5. Scholastically, that's just above a " C ''. I have no ben able to access my credit file for over 60 days and TU is NOT helping in the least. They do not call back when they say, they drop calls frequently, they are rude over the phone and more.
Product: Vehicle loan or lease

My wife purchased a car from XXXX XXXX in XXXX OH in XXXX. On XX/XX/XXXX she paid the final balance as we were getting ready to trade it in. We made the trade-in on XX/XX/XXXX to XXXX XXXX also in XXXX OH. We explained to them the situation and that we didn't have the title, but that XXXX XXXX XXXX had said the title would be delivered within 10 business days and they said this was acceptable. On XX/XX/XXXX XXXX contacted us for an update on the title. We still hadn't received it so we reached out to XXXX XXXX XXXX for an update. They did not have one except that the title had not been processed. They said all they can do is submit a request for an update via email. We requested 3 more updates from the period XX/XX/XXXX to XX/XX/XXXX and filed two complaints on the matter. Each and every time we have finished with no resolution, no ability to escalate, and no estimated time for resolution. We are told that the only way customer service can engage with the title department is through email, and they have not received a reply. The only other option given was to file a complaint in writing to the customer service department we are dealing with. Attached is proof of payoff for the record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... PRO COLLECT ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit card

I opened a Chase Marriott XXXX XXXX Credit Card. At the time of opening the card there was a welcome offer that included a " Free Night Award '' with Marriott after meeting spend requirements. I have met the spend requirements and was not awarded the FNA. I've contacted Marriott and after over a week we have not made any progress on the FNA. It seems fraudlent to offer a welcome bonus that they won't actually award just to get people to sign up for their card. It shouldn't require me to follow up with them and spend hours emailing back and forth with them. Marriott should be required to compensate me for my time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle through XXXX in XXXX Texas. I spoke with a member of their finance group and stated that I would most likely finance the vehicle purchase. They called me back to let me know that if I would like to purchase the vehicle they would be able to provide financing. I agreed and purchased the car and financing was secured. What I did not agree too nor cencent to was for them to run my credit much less put 6 hard credit inquiries on my credit report. I never gave them permission to do this once much less 6 Times. They have refused to resolve the issue. Please help.
Product: Credit reporting or other personal consumer reports

DELETED XXXX XXXX XXXX FRAUDULENT ACCOUNT! And XXXX 15 USC 1666b late payments. 
I am giving XXXX, Transunion and XXXX the opportunity to correct this mistake. XXXX, Transunion and XXXX are in violations of violations of Fair Credit Reporting Act ( CFRA ) ,15 U.S. Code 1681i. A national bank has no power to lend its credit to any person or corporation... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Fraud vitiates the most solemn contracts, documents and even judgments [ U.S. vs. Throckmorton, 98 us 61, at pg.65 ]. It would be unjust to allow one who made false representations to retain the fruits of a bargain induced by such representations. Whipp v. Iverson, 43 Wis 2d 166. False or misleading. I suffered damages as a result of XXXX, Transunion and XXXX misrepresentation. As a result of XXXX, Transunion and XXXX violations of Fair Credit Reporting Act ( CFRA ). Please make necessary corrections to my credit report ASAP. See -U.S. Constitution, 1789, Article 1, Section 10. No state shall ... make anything but gold and silver coin a tender in payment of debts ... 1692K Civil liability. Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for willful and knowing violation. 

Please correct inaccurate data from my credit report as soon as possible. Please make the necessary corrections to my credit report as soon as possible. I have suffered damages as a result of the misrepresentation. As a result of XXXX, Transunion and XXXX in violations of ( CFRA ). 

I did not authorize them and you want them DELETED. 15 USC 1601 hard inquiries. Delete Fraudulent, 15 USC 1601 hard inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX working address XXXX XXXX XXXX XXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE THIS AND DO NOT HAVE CONTRACT WITH WITH THE COMPANY LISTED BEOW. THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION THAT I ASK FOR. 

CAPITAL ONE AUTO FINANCE Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX TX, XXXX CAPITAL ONE AUTO FINANCE Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX TX, XXXX DELETE/REMOVE FROM 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. Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX, Account name : 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 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, credit repair services, or other personal consumer reports

XXXX denial of credit because i have exercised my rights under the cpa.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require updating and correction. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I received three emails from Wester Union confirming transfers. This instantly alarmed me because I did not send any money via Western Union.  The last time I used their online service was in XX/XX/XXXX. I immediately checked my bank account and seen that two of the three transactions went through, however, my bank immediately reversed them. I informed my bank about the unauthorized transactions and cancelled the card that was used. I then called Western Union to notify them of this unauthorized transaction completed on the website and to request my online account be closed. The first person I spoke with on XX/XX/XXXX @ XXXX XXXX - I explained the situation and she said she would transfer me - I listened to a silence ( call was still connected ) for a few minutes before I hung up and tired again. This time I called their Fraud line XXXX @ XXXX. I explained the situation again to the guy on the phone and I informed him that thankfully the bank stopped the transactions. But I was concerned how this happened on their online platform, and wanted to make the company aware of this and have them look into it. However, he did not acknowledge my complaint. He just stated that my account would be closed. I stressed that they need to look into how this happened. He would not confirm that would be done. I ended my call very frustrated and will never use their services. I also went online to ensure my Western Union online account was closed, as the rep stated it would be, but it was not. 

These are the transactions that were not authorized by me : Your tracking number ( MTCN ) is : XXXX Your tracking number ( MTCN ) is : XXXX Your tracking number ( MTCN ) is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30  days and I have not received any investigation results. This is unacceptable and needs to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNC Belk Duo Card : C/O XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Pulled my credit without my permission on XX/XX/2021. I did not request any information from them regarding a credit card. 

I will be contacting them, but need to let you know in case they are pulling credit from other people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been in contact with XXXX since the beginning of 2019 when I notice a Bankruptcy reporting to me credit report along with hard inquires listed below. There only response was that this information belong to me and was verified. I demanded the method of this investigation contacted the Illinois Bankruptcy court and they said they were not reporting this information. This has hurt me tremendously I've been denied credit and turn away from living and job opportunities. 

hard inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

ALSO THESE ADDRESS ARE REPORTING TO EQUIFAX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL ; XXXX XXXX XXXX XXXX IL XXXX COLLECTIONS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : THESE NAMES XXXX XXXX, XXXX XXXX XXXX ADDRESS XXXXXXXX XXXX XXXXXXXX XXXX XXXX IL XXXX INQUIRIES XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX
Product: Debt collection

During a mortgage re-fi, I was notified that there was two judgments against me that i did not know about, and was never notified of. " Asset Acceptance '' filed a judgment for {$8000.00} and then when I finally got a hold of the seventh person they sold the debt to, they said it 's really {$10000.00}
Product: Credit reporting or other personal consumer reports

I had XXXX. XXXX unlimited. XXXX base. XXXX XXXXXXXX. XXXX XXXX XXXX XXXX. XXXX. They cancelled all my cards. A lowered my scores. XXXX. Had. Almost XXXX. They only put what owed. Not my. High number on credit. Lowered my. Ratio. Becouse. I disputed airline ticket they didnt help with. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Bunch. But XXXX destroyed. My numbers. I have fair. Never missed. Payment. Ever. No negatives. Ever. 4 houses. Rhode Island. Maine. XXXX XXXX XXXX XXXX. XXXX. XXXX vehicles. I got this. Fair. People lose there houses. Cars get repo. They get better scores than me. I very disappointed. I hired lawyers. And. XXXX XXXX XXXXXXXX Credit. Im upset. Alwsys pay bills on time hole life XXXX XXXX. They made XXXX out my credit. No negatives ever. Thank you
Product: Checking or savings account

XXXX fraudulent checks in the amount of over {$4000.00} were honored on personal checking account bringing balance down to a minus. 
It has been XXXX days with no response from the banks fraud department except for XXXX check being reversed on day XXXX of complaint. 

My check to pay a credit card bill was not honored causing me to be charged interest. 
Unable to pay bills timely due to direct deposit of retirement income was eaten up still leaving a negative balance.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cas App ( Block , Inc. ) due to inadequate customer service and unfair practices violating the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out to all three credit bureaus about my disputes and inquiries that I didn't have any knowledge of I also sent them my FTC report because my identity was stolen, they still have all these accounts and inquiries on my credit report this is affecting my life I'm not able to do anything my life is ruined can someone please help me these accounts are XXXX XXXX but it's a closed account XXXX XXXX  it's also a closed account and XXXX XXXX  and it also is a closed account all of the inquiries have been removed from Experian but not XXXX and XXXX I've sent them letters and pictures of my identity and social and they failed to send me proof of signature showing I in fact authorized these accounts and inquiries.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly. My email linked to my PayPal is " XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX