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

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX, XXXXXXXX XXXX Also Known As : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Collection/Charge Off XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$1100.00} XXXX XXXXXXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$680.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$200.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX XX/XX/XXXX {$11000.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XX/XX/XXXX {$450.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$480.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1300.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XX/XX/XXXX {$540.00} XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX {$0.00} Bankruptcy XXXX  XXXX Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy Court XXXX  XXXX Bankruptcy XX/XX/XXXX XXXX U.S. Bankruptcy Court XXXX  XXXX Bankruptcy XX/XX/XXXX XXXX Federal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX Inquiries : XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  - XXXX XXXX Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX : XXXX  - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX  - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX XXXX XXXX XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unknown accounts reporting on my credit report. I have attached a statement with detailed information, along with an ftc report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received an alert on my credit report of a collection from IC System for {$440.00} on XX/XX/XXXX. I called them and they didn't have any of my information correct. The rep advised it was from a XXXX  account from XXXX from Florida. I did not live in Florida at the time she gave me the dates. They do not have the correct address or any information that is correct. 
This same account was with XXXX that I opened a complaint about XX/XX/XXXX case number XXXX with CFPB. XXXX must have sold this debt to IC systems. I do not own that account. This is something that I am extremely unfamiliar with and there has been absolutely no communication about this account to me as they have the wrong person. 
They are saying it's from XXXX, which was XXXX/XXXX  and I have had service with them in XXXX and don't owe them anything. This needs to be removed from my credit report or they need to provide proof of me signing up for services with a contract or something in writing because I do not owe them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my annual credit reports from the XXXX reporting agencies, XXXX, Equifax, and XXXX XXXX. I noticed numerous inquiries from companies I did not request credit from. I phoned the companies, of which the biggest offender is XXXX XXXX. I had XXXX inquiries on the XXXX report, and several on the other XXXX agencies. I spoke with a representative at XXXX then his supervisor, explaining I wanted them to remove me from their lists permanently. They asked me for my social security # & other personal information. I also phoned & I then wrote to XXXX XXXX as well, opting out in writing. I explalined I did not want them to review my credit unless I desired to borrow money from them or use one of their products. I have a bank issued credit card and DO NOT wish to do business with these people. I also phoned your agency and spoke with a representative to discuss the matter. She suggested I file a complaint not only against XXXX XXXX, but against XXXX and the other agencies, as well, since they are allowing the inquiries. I am frustrated and dismayed that consumers have NO protection against these predators. Absolutely NO ONE should have access to my credit unless I initiate a relationship with them for the purpose of borrowing money. I do not want to see any more inquiries on my credit reports unless I have given written permission to a party to do so. Someone MUST STOP these companies and protect consumers. This practice should be illegal. It is appaling.
Product: Credit reporting or other personal consumer reports

I attempted to put a freeze on my credit report via normal customer login. Was unable. TransUnion required I set up a new account to do so. My username and password works. TransUnion is refusing my request by method of requiring a new consumer account when I already have a consumer account with TransUnion. 

This is not relevant but almost 40 years ago I had to sue TransUnion to take my mother 's name off my credit file as my wife. They have not gotten any better.
Product: Credit reporting or other personal consumer reports

Recently I had a chance to check out my credit report & noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. its my understanding that you will investigate these items listed. Here is the accounts I am asking you to verity accurate : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX  XXXX XXXX ignored my fraud claims. XXXX XXXX XXXX reinserted an account and failed to notify me within 5 business in accordance with FCRA. It is XX/XX/XXXX and neither XXXX XXXX XXXX  nor Experian has yet to inform me and the reinsertion occurred in XXXX XXXX I attempted to dispute this but Experian refused to even accept the dispute. What's more? This card is associated with a fraud claim. Additionally, there are two claims filed in XXXX XXXX XXXXnd XX/XX/ from unemployment card which was serviced by XXXX  XXXX XXXX. Both of these were denied by the bank as well despite the overwhelming evidence showing they were indeed fraudulent. One example is the fraudster sent a XXXX XXXX in her name from my account. I was the only one on the account. She then received the money- again, both in her name. XXXX  XXXX XXXX handled this with malice just as they did with the credit card fraud claim they had ignored. The FRCA strictly forbids before like this and has remedies set forth for creditors and the like who act willingly and with malice to the hurt of a consumer. The penalty is very clearly defined as {$1000.00} per violation plus damages.
Product: Debt collection

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. This Affidavit of Fact is Pursuant to 15 U.S. Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which you WELLS FARGO are in violation as I never gave you my information directly ; I a consumer in fact, agree with The Congress to eliminate abusive debt collection practices by debt collectors, and to promote consistent state action to protect consumers like me against debt collection abuses which you are attempting to do Pursuant to 15 U.S. Code 1692 ( e ) ; Take Notice that Pursuant to 15 U.S. Code 1692a ( 2 ) the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium and in this specific case you WELLS FARGO used email, postal service etc. to communicate indirectly with me a consumer who is defined Pursuant to 15 U.S. Code 1692a ( 3 ) as any natural person allegedly obligated to pay any debt ; Take further notice that I am the true creditor Pursuant to 15 U.S. Code 1692a ( 4 ) which clearly states that a creditor is any person who extends credit creating a debt therefore I a consumer created the debt via my extension of credit to WELLS FARGO ; You WELLS FARGO shall also know that the term debt defined under 15 U.S. Code 1692a ( 5 ) comprehensively states that it means any alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes ; Notice that you are defined as a debt collector Pursuant to 15 U.S. Code 1692 ( 6 ) which states that a debt collector is any person who uses any instrumentality of interstate commerce via mail and is engaged in the principal purpose of collecting debt which you are attempting to do by communicating with me without my prior consent in direct violation of 15 U.S. Code 1692c ( a ) ( 1 ) ; You WELLS FARGO are also in violation of 15 U.S. Code 1692b ( 2 ) which states that you may not state that I a consumer owes any debt. Furthermore, you have attempted to communicate with me on multiple occasion which is a violation of 15 U.S. Code 1692b ( 3 ) ; You are also in violation of 15 U.S. Code 1692e ( 2 ) ( A ) by giving false representation of the amount of debt allegedly owed and the false representation or deceptive means to attempt to collect any debt Pursuant to 15 U.S. Code 1692e ( 10 ) ; Take further notice that Pursuant to 15 U.S. Code 1692e ( 9 ) articulates that the use or distribution of any written communication which creates a false impression as to its source, authorization, or approval as you WELLS FARGO is stating that someone other than me a consumer in fact, is the creditor when I am the creditor Pursuant to 15 U.S. Code 1692a ( 4 ) ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past year I have compained to both XXXX XXXX and Transunion about the attached account, where as XXXX XXXX is impoperly reporting late payments and payment status. I have tried everything to get them to fix this error. Both point the finger at the other, My last letter was sent to transunion on XX/XX/XXXX with not response,, see attached. 

The account listed above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 XXXX 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: Debt collection

I received a call from a XXXX XXXX XXXX. He stated this call is to collect a debt I was unaware of the bill and tok the call. I advised him I have never received anything. I asked for the details dates of services and services billed he could not provide. I asked him for written correspondance only and he continued to tell me i should have set up autopay otherwise it will be referred to collections. 

he stated XXXX XXXX you must agree to the payments they offer and set up autopay. i requested written correspondance va mal and 5 minutes letter they texted me via the same cell phone they called. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX THIS IS UNREASONABLE AND WHEN RECEIVING THEIR TEXT THEY HAD THE WRONG SPELLING OF MY ADDRESS NO UNIT NUMBER SO THERE IS NO WAY I WAS EVER COMMUNICATED WITH. I AM TIRED OF BENIG BULLIED BY COLLECTIONS AND HOSPITALS WHO USE THEM
Product: Vehicle loan or lease

I was on XXXX XXXX and happy to take advantage of the 6 % interest rate since my rate is an astronomical 28 % that I was forced into with no choice on a XXXX XXXX. XXXX XXXX started XX/XX/XXXX so my eligibility for the rate reduction did as well. I still had a {$390.00} payment. Then XXXX, XXXX, XXXX, and XXXX, my payments were reduced to the correct 6 %. In XXXX when I went on to pay it only allowed me to pay the {$270.00} which was the amount at the 6 % rate. Then suddenly I have a past due amount because the 6 % rate no longer applied. But according to a company representative that I have a copy of a conversation with- My 6 % lasts 90 days after my XXXX XXXX. So, the additional {$120.00} for XXXX should be refunded. The additional {$120.00} for XXXX refunded. The XXXX payment should be {$270.00} and I should only owe {$28.00} out of pocket for XXXX because I should not have any late fees. This should not have happened. This company prays on low-income, non-credit bearing individuals by giving them high interest rates and is now taking advantage of those that serve our country.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Ive sent a request for validation from XXXX XXXX XXXX. This includes copies of documentation that represents a legal ledger in form of Purchase Agreement, Bill of Sale, or transfer of title. Furthermore, it must include a copy of the original agreement made with the principal creditor, XXXX Bank, and myself, outlined by my legal name. 
The document sent by XXXX XXXX XXXX is a statement that represents an account number and some billing statements that represent an account I had formally held with XXXX Bank. The Document doesnt represent a legal ledger in anyway. There is nothing that represents a purchase of such accounts. There is nothing that represents the amount paid, terms of the sales, principal agreements with parties involved. 
The document sent is Considered Hearsay, and I had recently won a judgment against XXXX XXXX under this very same pretense. The XXXX filed a lawsuit in pursuant of an alleged debt and a could not produce purchase agreement to validate that XXXX titleship of such accounts. 
PLEASE DELETE XXXX XXXX FROM MY CREDIT REPORT. THEY HAVE NOT BEEN ABLE TO PRODUCE LEGAL DOCUMENTATION THAT PROVES TITLESHIP OF THIS ACCOUNT. 

XXXX XXXX XXXX Account number - XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( a ) ( 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. I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal Name : XXXX XXXX Home Address : XXXX XXXX XXXX XXXX XXXX, Texas XXXX The following personal information is incorrect XXXX. Employers : XXXX XXXX XXXX XXXX XXXX. Employers : XXXX XXXX XXXX. Employers : XXXX XXXX The late payment listed is inaccurate. The creditor failed to accurately report my payment history and this error violates 15 U.S.C. 1681e ( b ) which requires maximum accuracy in reporting consumer credit information. 

XXXX LLC Account Number : XXXX This account has been misreported as late. Payments were made as agreed upon, and this must be corrected. The late mark should be removed. 

XXXX. XXXX XXXX Account XXXX : XXXX This late payment occurred during a documented financial hardship, which was communicated to the creditor. The late mark should be removed. 

XXXX. XXXX XXXX Account XXXX : XXXX This late payment occurred during a documented financial hardship, which was communicated to the creditor. The late mark should remove XXXX. XXXX XXXX Account NumbeXXXX : XXXX This late payment occurred during a documented financial hardship, which was communicated to the creditor. The late mark should be removed. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX This late payment occurred during a documented financial hardship, which was communicated to the creditor. The late mark should be removed. 

Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open collection account with a limit. 

XXXX. XXXX XXXX  Account XXXX : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I cosigned loans for my granddaughter, and she has been in forbearance with Discover student loans since XXXXXXXX XXXX XXXXXXXX, because she was struggling to find a job post-graduation. She was enrolled in their Forbearance Extension Program, and ended enrollment in XXXX XXXX XXXX. She was then put on a month-to-month forbearance program, where she would have to call each month to get an extension. She called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In the beginning of XXXX I received notice from my credit company that there were default of payment 's sent to the credit bureau. She has been in forbearance the entire time and was not required to be making payments, per the rules of Discover 's forbearance program. When she reached out to Discover to understand why they reported to the bureau, they stated they " have no idea and it is not our problem to fix. '' They did offer a consolation prize for their mistake, and they put her on a new 6-month forbearance program, which she is currently still enrolled in. I am writing this complaint, as Discover has been extremely aggressive and threatful to her during this entire process, and at times have even yelled at her that they will " take everything I own or my co-signer owns. '' We have been nothing but terrified of Discover and it caused her to experience XXXX XXXX XXXX XXXX  during every phone call she had with them. 
At the beginning of this month the loans were sold to XXXX XXXX. In speaking with them, they are continuing the forbearance period for her loans. They also stated that the treatment we got from Discover is unprofessional, unjust, and unfair, and it was Discover 's responsibility to remove it from mine and hers credit since she was in a lawful forbearance program and it was Discover 's error. Discover is just refusing to do so. XXXX advised her to reach out to a manager at Discover, and when she reached out they stated it was " not our problem we sold your loan to a different company. '' She then called XXXX and let them know the unlawful treatment she received yet again, and they advised her to reach out to CFPB and submit a complaint.

This is causing unnecessary stress for me right now as my wife is going through XXXX XXXX This has gravely impacted both of our credit scores, and going through treatment her and my cards are now being declined. I am in need of assistance in trying to remove the default notices off our credit reports. I do not understand how a loan company can get away with such maltreatment of their customers, and I am very hopeful someone can help from CFPB. I would appreciate if this could be done promptly, due to the financial impact it is having on my wife receiving her XXXX treatment.
Product: Money transfer, virtual currency, or money service

Commencing on XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX and XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my CashApp account to fraudsters.