23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

From XX/XX/XXXX to XX/XX/XXXX, we lived at XXXX XXXX XXXX XXXX and XXXX our rent on time and early without any issues at all. However, after we paid our final rent for XX/XX/XXXX and moved out of the apartment in order to move to our new House. we were first told by the XXXX at the time that we didn't need to pay that rent since we were on a monthly lease and then they said that they would not refund us the {$1100.00} we overpaid since they were going to withhold the money in order to pay for " Damages '' that were incurred even though they were representative of living with my wife and XXXX children for 8 years without the apartments even coming by for an inspection and repairs ; that was normal wear and tear. and without my knowledge, they then took my account to Allied Collections for the amount of {$1900.00} since the end of XXXX and I never received a formal letter or call from Allied Collections stating that I had any debt to owe and they have ruined my credit for no reason since we were denied for an auto loan and that negative mark showed up on the report. My XXXX called the XXXX XXXX days ago and asked why they hit our credit report with a collection and they said that it was because of unpaid rent even though I still have receipts proving that I had paid rent XXXX in the month of XX/XX/XXXX and they suddenly could not provide us with receipts that we had paid our rent on time. So my XXXX  then called advanced management and emailed their president and she got a call from the regional XXXX XXXX XXXX stating that the debt sent to us was sent in error and they should not have even charged us for normal wear and tear and that she will call her back in a day to rectify that but she never called her back. I went ahead and filed a dispute with XXXX and I have come here to file a dispute with the CFPB in order to rectify this
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of late payments on my credit report on Account : XXXXXXXX XXXX XXXX XXXXXXXX verified as approved for severe medical issues. Also credit card accounts opened : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$12000.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} XXXX. XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I was told by a Linebarger Goggan Blair & Sampson, LLP consultant that i had to pay {$200.00} to lift my hold to recieve my licence then to make a $ 50 monthly payment, in whixh i made one payment, to keep the hold off and that they were gon na fax something to the dmv to lift the hold. I found out today that that was not the case by calling XXXX justice court and the dmv. 
Conversation should be of been recorded.
Product: Debt collection

In XXXX  I received a letter from XXXX XXXX XXXX XXXX XXXX to collect a debt for the amount of {$960.00}. This debt did not belong to me. I paid the debt but it remained on my credit report. I then requested a letter of satisfaction. I received the letter dated XX/XX/2022. I disputed the debt through XXXX. The debt is still showing up on my credit. Resurgent is now trying to collect the same debt.
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted : XXXX XXXX XX/XX/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

15 usc 1681i ( 5 ) XXXX XXXX XXXX I dispute the account but all 3 offices say account accurate how is it accurate how did you verified it
Product: Credit reporting or other personal consumer reports

XX/XX/year> the webpage of bank application shows a delinquent account name when application form shows open credit account name. The delinquent account name is an error of open credit account name. The unauthorized man causing error is a XXXX XXXX person association to family ownership of an inner voice that's XXXX  of customers free XXXX XXXXame of XXXX XXXX and clear in state star ; the XXXX XXXX person claims account name in error when account name belongs to a clear XXXX XXXX person with state identification. The companies XXXX XXXX person refuses to confirm customer 's clear XXXX XXXX identity when customer submits application to result in denial of account. Companies XXXX XXXX person refuses to comply with equal credit opportunity act for customer and issued customer a false alias of the XXXX to customers birth-given name the customer cites as an error. Customer 's given name is indivisible of XXXX flag and web page of application does not reflect that.
Product: Checking or savings account

I am Victim of a scam, i have not used this bank sinced i switched over to XXXX. Someone had stolen my wallet and i had to get a whole new set of cards and they must have gotten to my td bank. I dont owe no money.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2018 with a balance of {$13000.00} -This is not my account.
Product: Checking or savings account

In XXXX of XXXX I received a Capital One 360 card in the mail. I called the company the next day ( I don't know the exact date ) & told them I did not open an account with them & I didn't have an old account with them. I asked them to please close the account and after some time on the phone & a few questions they said the account was now closed. I received a statement in the mail that says the account was closed on XX/XX/XXXX but I would like to know how this account was opened in my name without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to pay this loan off on full for a couple of months now. I submit payment, and receive notice that the funds will be taken out of my account. The money is not taken out, and the company continues to report incorrect account balances to the credit bureaus. The auto pay feature is turned off as I do not want to make a monthly payment, I would like to pay this off in full. The loan reported delinquent most recently on XX/XX/XXXX, one day after I again submitted payment for the complete balance. Again, there has been no debit from my bank account, and no history of my attempted payments in the app. Payments are not being returned, they are just not hitting my bank account. There is no attempt from the company to accept the full payment that I keep trying to send. 

I have sent emails to the company, as well as calling. The phone number, XXXX does not allow you to speak to a person. I receive notice that someone will respond to my email, but my most recent email, sent on XX/XX/XXXX has still not been responded to. 

Meanwhile, the balance continues to report incorrectly to the credit bureaus, tanking my credit score while I am beginning the home buying process. Since the company will not address, I reached out to the CFPB for assistance, as they are operating seemingly without being regulated. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$18000.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and my personal information has been compromised and fraudulently used. I request, pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), that the following accounts and inquiries be blocked and deleted from my credit report immediately. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/2022 I was sent communication from my payroll department about a wage garnishment. I went to the courthouse and filed a motion to stop wage garnishment. I called Johson Mark LLC at XXXX and spoke to a representative who informed me the call was recorded, I told her that the debt was not mine, it was my sisters debt and I was not a spouse to her, the rep told me that she would send an Email to the attorney and to follow up. I followed up and the next rep I spoke to looked into the Email and I was told that the garnishment would not be stopped, I told her that I was not responsible for the debt and she began to be condescending and basically told me that theres nothing I could do. After advising the firm that its not my account and Im not responsible for the debt. It is embarrassing that my employer has to deal with this which is not mine. Its causing a hardship on to me, it is affecting my emotional well being. Im constantly worried. This is not right to do to people that advice that the debt is not theirs and still no communication. Im not the first person this company had unreasonably gone after people and harassment. What proof is there that 1. I am responsible for her debt 2. She is in fact my sibling. My rights have been violated and Im seeking to be reimbursed for monies with held through this unfounded obligation of this debt.
Product: Vehicle loan or lease

Wells Fargo has eliminated the website used for submitting auto loan payments, requiring users to sign up to wellsfargo.com in order to make payments online, One of the requirements for access is that wells fargo wants access to my mobile phone information and permission to access files, videos, and addresses on my phone. 

To clarify, I am not trying to access any of there online products via my mobile devices or my phone. All of my online financial transactions are from a hardwired lan connect windows based PC. 

Their excuse of using my mobile device as a means of confirming my identification is completely bogus, my phone is supplied by my employer and has no identifying connection to me.
Product: Checking or savings account

I had {$2800.00} taken out of my account without my authority and put in the XXXX  and my bank won't do anything about it
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 or other personal consumer reports

My identity was stolen in XXXX of XXXX. I have hard inquiries that are not mine and are currently effecting my credit report. I've filed an identity theft report at the. Gov website.
Product: Credit card

On the afternoon of XX/XX/XXXX, I received a notification from my XXXX XXXX that my HSBC Premier credit card in the US region had been removed. Upon logging into the HSBC US app, I noticed that the credit card avaliable credit had been reduced to XXXX. I promptly contacted HSBC US online customer service, and they advised me to call the credit card hotline for further inquiries. 
Later that evening, I called the HSBC US credit card customer service hotline. They informed me that the reason my credit card availabe credit was reduced to XXXX  was due to the ongoing closure of my HSBC US accounts. They urged me to transfer any remaining funds from my HSBC US account promptly. 

When I inquired about the reason for the accounts closure and exact date of accounts closure, the customer service representative could not provide specific details. 
They just advised me to check for a regular mail sent from HSBC US, which would contain the specific timing of the account closure ( please note that regular mail sent from the US may take up to one month to arrive ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my XXXX loans are up to date and they are showing delinquent. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, XXXX XXXX erroneously reported that four student loans allegedly incurred by me are 120+ days past due and the balances stated are incorrect. These liability on the loans and balances are presently in dispute and the subject of Civil Action No. XXXX in the United States District Court , District of Massachusetts. The subject of this lawsuit is that the loans were procured by fraud ; TILA disclosure statement violations ; and conversion and/or misapplication of payments by XXXX XXXX. Despite the issues raised, and disputes filed with XXXX, Experian, and XXXX, XXXX persist in filing negative reporting. The credit reports should read " disputed '' rather than delinquent. By falsely reporting to a consumer reporting agency, XXXX has committed violations of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several items that are inaccurate. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ), credit reporting agencies are required to ensure maximum possible accuracy of the information they report and to promptly delete or correct any inaccurate, incomplete, or unverifiable information. 
The items I am disputing are as follows : XXXX Account Name : XXXX XXXX XXXX XXXX Reference Number : XXXX Filed On : XX/XX/year> Court : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Reference Number : XXXX Filed On : XX/XX/year> Court : XXXX XXXX XXXX XXXX XXXXXXXX TRANSUNION Account Name XXXX XXXX XXXX XXXX XXXXXXXX Reference Number : XXXX Filed On : XX/XX/year> Court : XXXX XXXX XXXXXXXX XXXX XXXX XXXX laws cited above, I request that these items be **immediately removed** and **permanently blocked** from my credit profile. Please conduct a thorough reinvestigation of these items and update my credit report accordingly. I also request that you promptly notify the furnishers of the information that these items have been modified, deleted, and blocked from my file. 

Please send me written confirmation that these items have been removed, blocked, and corrected, along with an updated copy of my credit report. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRES DO NOT BELONG TO ME This notice is to inform you that the bureaus are unlawfully reporting fraudulent INQUIRIES that arose from IDENTITY THEFT that I would like verified as required by law on my consumer report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 15 USC 1681 ( b ) ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : My identity has been stolen you are hereby put on notice. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. ( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of XXXX years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. The XXXX bureas have aided this Fraud by not verifying these accounts. Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft.