23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my 10th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 accounts immediately. 

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

Contacted company to delete the inquiry because I am a victim of fraud and I was told that they were unable to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see below account # XXXX is a old Wachovia/Wells Fargo credit line opened in XX/XX/XXXX and paid off in XX/XX/XXXX. 
I just noticed for no apparent reason Well Fargo has reported this old paid off account to the credit reporting agencies a FORECLOSURE PROCEEDINGS STARTED I am a 20 plus year Wells Fargo Customer and owe absolutely nothing and have never been a day late on any obligation. I called the Wells Fargo Foreclosure department and they could not give me any reason this was reporting and did verify nothing was owed on the account and it was a {$0.00} balance. The Wells Fargo Representative said the only way to fix this was I had to write this letter to have it removed. 
Please remove this fictitious credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan with this company. My information was changed after I submitted my application. Based on that incorrect information, the company has decided I will never be able to apply for a loan with them. Not now, nor in the future. My application was never considered fairly.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data. 
Please make all listed below update or deleted in 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 # 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. 

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: Money transfer, virtual currency, or money service

I was approached to start a full time job as a XXXX XXXX XXXX for the company XXXX XXXX by a man named XXXX XXXX. He sent a hiring letter, XXXX, XXXX to my email for me to fill out and send back. I did as asked, and then he asked me to send my address in order to receive checks to deposit in my bank account in order to purchase equipment to begin working for the company. The checks arrived on XXXX XXXX and I took them to my bank ( Huntington National Bank ) on Monday, XX/XX/XXXX and deposited two checks in the amount of {$9800.00}. They were immediately pushed through my bank ( I did not ask Huntington to do this, they did this all on their own ). The next day, XXXX then asked me to wire the money ( {$9400.00} ) to an account on Tuesday, XXXX XXXX. He sent me all the information ( which I still have in a screenshot saved to my phone ), I took the info and went to wire the money. On Wednesday, XXXX XXXX I got an email from Huntington telling me that they were reversing the checks that I had deposited on Monday, that they were fraudulent checks. In doing this, reversing the checks, it took my account into a negative balance. I immediately called the Huntington fraud department, and they told me they werent able to help me and that I should contact my branch where all transactions happened. I then called my local branch, and they have started a wire fraud investigation which will take 3-6 business days. On Thursday, XXXX XXXX I tried to login in to my Huntington account, only to find out I was locked out. I contacted Huntington again, and they let me know that they had closed all of my accounts without my knowledge and were keeping the money in my other two accounts in order to try and recover some of the money they had lost. I filed a dispute with the FDIC, and they have transferred the dispute to the Office of the Comptroller of the Currency.
Product: Debt collection

I contacted the company about the debt not being mine and it being opened fraudulently. Ive requested information and deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

PRA PORTFOLIO RECOVERY ASS IS KNOWINGLY AND FALSELY REPORTING THAT THE ACCOUNT THEY PURCHASED FROM XXXX XXXX WAS OPENED ON XX/XX/XXXX TO XXXX. THAT IS A LIE IT WAS OPENED ON XX/XX/XXXX AS REPORTED BY XXXX  XXXX TO THE CFPB.GOV PRA PORTFOLIO RECOVERY ASS. IS KNOWINGLY AND FALSELY REPORTING TO TRANSUNION THE ACCOUNT THEY PURCHASED FROM XXXX XXXX WAS OPENED ON XX/XX/XXXX. THAT IS A LIE IT WAS OPENED ON XX/XX/XXXX AS REPORTED BY CAPITAL TO THE CFPB.GOV PRA PORTFOLIO RECOVERY ASS. IS KNOWINGLY AND FALSELY REPORTING TO EQUIFAX THE ACCOUNT THEY PURCHASED FROM XXXX XXXX WAS OPENED ON XX/XX/XXXX. THAT IS A LIE THE ACCOUNT WAS OPENED ON XX/XX/XXXX AS REPORTED BY XXXX  XXXXTO THE CFPB.GOV THIS IS NOT A MISTAKE. PRA IS TRYING AND HAS SUCCEEDED TO DESTROY MY CREDIT WORTHINESS. THEY HAVE DONE THIS MANY TIMES TO MANY PEOPLE. THIS IS THEIR BUSINESS MODEL. BUY OLD ACCOUNTS REPORT LIES BY RE AGING ACCOUNTS. TAKE THEM TO COURT FALSELY. THEN DROP THE FALSE LAW SUIT. THE ACCOUNT IS RE AGED TO COME WITHIN THE TWO YEAR MARK TO DESTROY YOUR CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IN XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX {$38000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$570.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XXXX
Product: Debt collection

I saw a collection on my credit report by Conserve. I had already paid my school what I owned them. When contacting them on XX/XX/XXXX I informed them and they refused to remove it from my report. I informed them they were reporting it a debt paid and they did not collect the debt. I asked both the person who answered as well as the manager. Did you collect the debt? She just have a contract with the school. I asked again You have this on my credit report as paid to you. Did you collect the debt? Same answer this time she was being an XXXX and goes " Did I collect the debt personally ''. Also their letter they send out to people has a XXXX number. Basically on purpose forcing someone to call their XXXX area code number. I contacted the school and they even cleared the debt so there is no debt for this XXXX company to collect not can they legally report it on any of my three credit bureaus. 

Trying to select ConServe is says do not use.. The company I am is ConServe aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX @ XXXX
Product: Debt collection

This account has been removed previously from my credit reports, then it was reinserted back on to my reports. I filed a FTC report and now they have reinserted the information. Accoring to 15.US. Code 1681 Section ( B ) ( i ) States ... Any information that is deleted from consumers file and then reinserted the consumer reporting agency must in writing not later than 5 business days after reinsertion date. This was not followed by the furnisher so it should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been in an ongoing battle to rectify this situation for years. This has caused me to look at my credit report daily in fear of further theft. Despite obtaining fraud alerts placed on all 3 credit files and then freezing all 3 files, as well as, submitting identity theft and police reports my identity is still being compromised. I will break down how by each bureau. 

XXXX  : I noticed an inquiry from the below entity XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX I do not understand how this occurred when I have a fraud alert and was never contacted or gave permission for this inquiry. This is not mine. Also my report is suppose to be frozen. 


XXXX  : I noticed an account that does not have a name but shows the following info Account number XXXXXXXXXXXXXXXXXX Collection opened XX/XX/XXXX Balance {$1000.00} Updated on XX/XX/XXXX This account is not mine and is a result of identity theft. 

The following addresses are not mine : XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX, FL XXXX The following Employers are not mine XXXX XXXX XXXX XXXX XXXX XXXX  The following Inquiry is not mine XXXX  XXXX XXXX  XXXX All Banks Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX TransUnion : The following account is not mine and due to identity theft : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1000.00} 0 % paid off Account number XXXX Collection opened XX/XX/XXXX The following Inquiries are not mine : XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Utilities and fuel Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX The following address is not mine : XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

JP Morgan Chase Card Services stopped bills from coming to my home in XXXX of 2016. When I discovered that bills were no longer coming to me, I called Chase Card Services. I was told that the reason they did not contact me was based on a Cease and Desist. When I asked how the Cease and Desist came about, I was told that it was system generated. During this time Chase Card Services reported negative information to the credit bureaus which drove down my credit score and new employment opportunities. I continued to resolve this situation and voluntarily entered a payment plan to eliminate the debt. It was explained to me that after making three payments, the negative information would be removed. Well, this is not what happened, Chase Card Services reneged on this agreement. I continued to make payments under the Payment Plan with {$81.00} was withdrawn from my checking account each month. Lo and behold, Chase Card Services stopped withdrawing the {$8100.00} from my checking account without my knowledge and consent, and reported me to credit bureaus. They reneged on the Payment Plan and violated every consumer act, this is without question Unfair and Deceptive.
Product: Credit card

I have an Express store card. I last used it in XX/XX/XXXX. It is now XX/XX/XXXX. I paid off the balance in XXXX. I then unknowingly accrued late fees and minimum service charges ( though my balance was paid in full during XX/XX/XXXX ). I noticed in XX/XX/XXXX that I had been accruing said fees. I called the company to dispute and they were not interested and just said that was the way it was. I paid the full balance again in XXXX. Much to my shock, I received an XXXX bill for {$27.00} showing that I gained ( what appeared to be rising ) erroneous fees. I paid the balance in full AGAIN and fear I may receive yet another bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

According to USC 15 1681b you must accurately report on my credit report at all times. 

This fraudulent account was allegedly charged off on the following date. Since then, this fraudulent account has repeatedly been updated as charge off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This is not only fraudulent but also inaccurate information that falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX : XXXX XXXX : Account number : XXXX EQUIFAX : XXXX XXXX  : Account number : XXXX XXXX : XXXX XXXX  : Account number : XXXX
Product: Debt collection

WE had XXXX and we moved so they came and removed the equipment. We were in a 2 year contract, we tried several times to get someone to come to our new home to install the equipment and appointments were not kept. We received this threat letter in the mail. The collection company wants us to pay XXXX to XXXX XXXX Now, I do not know who they are since we contracted with XXXX. We do not know what the XXXX is for as the letter does not explain, they just want us to pay.
Product: Credit reporting or other personal consumer reports

Dear credit bureau I am writing to formally dispute the reporting of an account on my credit report from web bank XXXX web bank that has been sold to XXXX XXXX XXXX. The account number associated with this debt is XXXX. 

Upon reviewing my credit report, I noticed that Original Creditor is still reporting this account, despite the fact that it has been transferred to Debt Collector Under the Fair Credit Reporting Act ( FCRA ), once a debt is sold, the original creditor should no longer report the account as active. 

I have attached copies of documentation that support my claim, including [ provide details of any supporting documents, such as the debt validation notice from the collector, a letter confirming the debt was sold I kindly request that you investigate this matter and update my credit report to reflect the accurate information. Please confirm the results of your investigation in writing. 

Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

Honda Motor Finance had a software glitch on their website that caused auto payment to turn off without my consent or approval. Late payments were charged as a result. Honda Motor finance has sent letter to my mortgage bank saying that the delinquencies have been lifted but they have failed to reflect that to the credit rating agencies which has resulted in a steep drop to my credit rating. Honda motor finance has several time admitted that the credit delinquencies were a mistake and a result of their website errors but has yet to reflect that to the credit bureaus. I have NEVER had a late credit/delinquency and my credit score prior to this event was XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of dispute, particularly in light of the recent CFPB lawsuits, highlighting significant issues with the platform despite using Zelle numerous times and reporting discrepancies my financial institution avail failed to investigate my claims adequately. They informed me that Recovering loss funds was impossible, and that tracking these transactions was unfeasible the CFPBs findings indicate that they has not only neglected to protect consumers, but has also allow repeated offenders to exploit the system, leaving users, vulnerable to scams this lack of accountability and transparency is unacceptable and raise serious concerns about consumer safeties
Product: Credit reporting or other personal consumer reports

please remove fraudulent inquiries TRANSUNION: XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX