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

This company is reporting a balance to the credit Bureaus and I have never been in business with them. I haven't signed any agreement or contract with them. This is against the law and I'd like it removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/, my employer deposited my paycheck into my XXXX XXXX account via direct deposit. Shortly after, the bank that my employer used for processing payroll shut down and initiated a reversal of the payment. This was not an action taken by my employer directly but by their bank. XXXX XXXX began a " loss investigation '' into the matter but failed to provide me with any updates or meaningful communication throughout the process. 

I repeatedly contacted XXXX XXXX for updates every single week since this issue occurred, but I was only told there was an ongoing investigation. At no point did XXXX XXXX request additional information or evidence from me or my employer, such as contact details or documentation. The investigation appeared to be one-sided and lacking in thoroughness. Ultimately, XXXX XXXX closed my account and labeled me as " high risk, '' which has severely impacted my financial life. 

As a result of their decision, I have been unable to open a personal or business bank account with any other financial institution. This has directly affected my ability to receive payments from my employer. To make matters worse, XXXX XXXX froze the {$5000.00} I had in my account at the time. I was unable to withdraw, wire, or transfer these funds, leaving me completely without access to my money. 

XXXX XXXX has failed to provide transparency or accountability in this process, and I feel I have been unfairly treated and potentially discriminated against. This situation has caused significant financial hardship, and I am seeking resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent charge on my account of {$7500.00}, {$1500.00}, {$7900.00}, {$9000.00}, {$2200.00}, {$7900.00}. 
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 Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXXXXXX  opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

3. XXXX/XXXX with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$7900.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

6. XXXX XXXX XXXX  with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$7900.00} -This is not my account. 





I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Police Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a hard inquiry on my credit report that I had not permitted nor did I know the company. I set about calling XXXX XXXX XXXX who was listed as a hard inquiry on Transunion. This institution took my information and confirmed that I had never applied for nor had an account there. I asked her to email me that information but she said she " couldn't ''. I chatted on line with a dispute specialist from transunion who suggested I file a POLICE REPORT! or ... .write to you. Why SHE couldn't request the info from the bank I do not know. Complaints about hard inquiries are ONLY handle through USPS. No calls, no online forms, and no email. At this point I'm feeling very frustrated and confused. I'm working hard to get my credit corrected after divorce, retirement, and XXXX. Things on my reports I owed I have paid. Now, there are things that are scandalous! As I continued to work on the XXXX side of my report, low and behold, a hard inquiry for the same date ( XXXX ) but for a DIFFERENT COMPANY! XXXX XXXX. I call them, they tell me the inquiry came from XXXX XXXX XXXX XXXX. Never heard of them either. I call, low and behold, they are connected to the scam artists I hired to help me with taxes ( they didn't ), called XXXX XXXX XXXX. I feel this whole thing has cost me money, time, and half my sanity. The folks XXXX XXXX XXXX were useless and charged me for nothing, now, without my consent there's a hard inquiry. They swear they only do soft ones, but I can read. Please help. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items 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 items XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint against : XXXX, TransUnion and XXXX. 
In XX/XX/XXXX, my mortgage company, XXXX XXXX XXXX , XXXX, erroneously reported to the three main credit reporting agencies that my XX/XX/XXXX mortgage payment was 30 days late. 
XX/XX/XXXX, XXXX XXXX XXXX, XXXX, acknowledged the error and sent a notice of correction stating the XX/XX/XXXX mortgage payment was made on time and was not 30 days late, AUD XXXX. ( attached ) All three agencies updated and removed the inaccurate information in XX/XX/XXXX.

In XX/XX/XXXX all three credit reporting agencies once again began reporting the incorrect 30 day late mortgage payment for XX/XX/XXXX. I disputed again and contacted XXXX, again in XX/XX/XXXX. 
XXXX XXXX XXXX, XXXX was very helpful and acted immediately, they filed a second correction AUD XXXX on XX/XX/XXXX. ( attached ) and sent the second AUD. 
All 3 credit reporting Agencies : XXXX, TransUnion and XXXX   sent me notice on XX/XX/XXXX that my dispute investigation was completed and the 30 day late report was found to be accurate and would remain on my credit report. This was incomprehensible to me considering XXXX confirmed the 30 day late report was incorrect. 
I contacted XXXX again and XXXX filed a third correction stating my mortgage payment was NOT late for XX/XX/XXXX that my payment was received on time. On XX/XX/XXXX XXXX sent XXXX XXXX to all 3 credit reporting agencies. 
I attempted to dispute this error for the third time with XXXX, TransUnion and XXXX on XX/XX/XXXX. Today XX/XX/XXXX all three credit reporting agencies refused to open another dispute or correct the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE ATTACHMENTS. Americollect has completely disregarded my consumer rights. Violating the FDCPA, FCRA, XXXX, and XXXX laws. Americollect has used my identity without my consent by coercive and deceptive means for its own financial gain. Americollect claims the laws in which protect me allows them to violate me without my knowledge or consent.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : RESIDENT VERIFY XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

mid west recovery system put a debt on my XXXX  alling and under XXXX XXXX XXXX for XXXX that is not my debt, lately not sure what is happenening i am getting debts on my credit report that belongs to someone else, this carelessness, people should be accuratle putting informaton on the right person file, please take this off, i am fixing my credit and want this removed the address is XXXX XXXX XXXX XXXX XXXX XXXX, missouri, XXXX XXXX  # XXXX XXXX XXXX XXXX. Please have this removed asap. They entered this debt today i try to call today and they hung up on me twice. In the pass you have help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX  XXXX XXXX  XXXX Balance : {$1600.00}
Product: Credit reporting or other personal consumer reports

Experian continues to report address and names that do NOT belong to me. Experian is a data furnisher which means they are paid to report information and are securitizing these reports to raise money for capital. Since this is an account I have equitable interest in this account and what is being reported. Experian is reporting this inaccurate information for profit even after providing evidence of my identity to prove it is inaccurate and should be immediately removed! My only name is XXXX XXXX remove any other name you do not have my consent to report anything other than XXXX XXXX. My address is XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX delete any other address it is not mine.
Product: Credit card or prepaid card

I was charged {$40.00} for making my credit card payment one day late. It was due on XX/XX/2021 and I paid it electronically on XX/XX/2021.
Product: Debt collection

Repeated calls from Diversified Consultant from phone number XXXX without any message being left. 
Upon answering one call the person asked me to identify myself and proceeded to inform I owe {$1000.00} without providing any additional details. 
I asked for clarification and proceeded to inform " this call is being recorded '' and " my actions will be taken into consideration ''. 
I proceeded to contact XXXX XXXX, the company who engaged the services of Diversified Consultant who provided me with further details on the situation. 
It remains unclear the steps followed by XXXX XXXX to open an account ( e.g. in person or over the phone ) nor the full details that led for them to ask a collecting agency to search for people with my name, such as whether or not they ask for forms of ID, run a credit check, etc. 
Upon contacting XXXX XXXX they asked for their ID Theft form to be filled and notarized. 
Their ID Theft form has 2 major flaws : it asks for the full SSN to be provided and a copy of form of ID to be provided. These are, precisely, instrumental for ID Theft and should have NEVER been asked by XXXX XXXX in any way or form. Instead, they should leverage the Police department to address any concerns regarding proof of residence and ID.
Product: Payday loan, title loan, or personal loan

I have email confirming that {$130.00} taken out on XX/XX/XXXX will close the loan as paid in full however they took out another {$130.00} on XX/XX/XXXX on top of the one on XX/XX/XXXX which caused my account to me overdrawn.
Product: Credit reporting, credit repair services, or other personal consumer reports

congress made it clear what they have to do...

15USC 1681a Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15USC 1681b 2 ) In accordance with the written instructions of the consumer to whom it relates.

they violated these actions of the United States Code, they furnished false and inaccurate information and I never gave them permissible permission or consent to furnish my consumer report.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to bring to your attention a matter of concern regarding the reporting practices of XXXX XXXX XXXX. Upon reviewing my credit reports, I have identified discrepancies in the information provided XXXX XXXX SERVICES across different bureaus, particularly on XXXX, XXXX, and TransUnion. 
On my XXXX report, there is an indication of a past due amount of {$64000.00}. Such report raised serious concerns about the accuracy and Furthermore, I would like to bring to your attention the fact that the debt associated with this account has been charged off and is now considered a certificate of indebtedness, constituting income. According to applicable regulations by the IRS, such discharged debt should not be reported, as it may lead to inaccurate representations of my financial standing. 
Also it is illegal to report transaction history Per 15 U.S.C. 1681a section ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s-3of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Because of this law, all late payment reports are illegal especially since the account has been charged of. the account should reflect PAID AS AGREED.

I kindly request that you conduct a thorough investigation into this matter and take appropriate measures to rectify the inaccuracies in the reporting by XXXX XXXX XXXX. Your prompt attention to this issue is greatly appreciated, and I trust that it will be resolved in accordance with the established regulations.
Product: Credit reporting or other personal consumer reports

I want the inquiries removed from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Collection Inquiries Included in Dispute : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX ACCNT # XXXX 30 days late on XX/XX/2019, and XX/XX/2019. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Debt collection

PLEASE BE ADVISED RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED INACCURACIES ON MY ACCOUNT. THE BELOW ACCOUNTS LISTED ARE HURTING MY ABLITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESES ITEMS FOR ME TO ENSURE ACCURACY. PLEASE HELP ME WITH THE BELOW LISTED ACCOUNTS!!!!!!! I HAVE FILED A CONSUMER COMPLIANT AGAISNT THE LISTED COMPAMIES BECAUSE OF THIS INFORMATION THAT IS HURTING MY CREDIT AT THIS TIME SO THEY CAN ALSO INVESTIGATE THE ACCOUNTS being reported twice by XXXX XXXX same account on my credit report account # XXXX and they are reporting same account with different dates and amount on same acct
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX You are in Direct Violation of The Fair Credit Reporting Act. These companies have violated several of my rights.

15 U.S.C 1681 Section 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove the late payment and update these accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

Thank you for your assistance with clearing up this matter and recognizing my rights as a consumer. 
I HAVE NOT SUPPLIED PROOD UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V.GRAVENS ( MO ) 281 SW 715.719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. PURSUANT TO 18 USC 8, I OWE NO DEBT. THESE COMPANIES ARE VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 U.S.C 1681-B2COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 . 15 U.S.C 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. THESE ACCOUNTS ARE IN DIRECT VIOLATION OF SEVERAL LAWS UNDER MY CONSUMER RIGHTS PER THE FAIR CREDIT REPORTING ACT
Product: Debt collection

I am not liable for this debt with XXXX  XXXX  and I do not have a contract with CAINE WEINER plus they did not provide me with the original application like I asked.

Account No : XXXX  Amount Disputed : {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending info to identify myself, Equifax has failed to send dispute results and is reporting the following items inaccurately ( see below ). This violates the FCRA. 

ACCOUNTS DEPT OF EDXXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX  XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX  XXXX  XXXX not mine XXXX/XXXX  XXXX XXXX not mine XXXX   XXXX not mine XXXX  XXXX not mine COLLECTIONS   XXXX  XXXX  XXXX {$400.00} not mine XXXX XXXX XXXX  XXXX {$1400.00} not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a Victim of Identity Theft. I want a put a fraud Alert On My Credit files ASAP I did not give anyone permission to open any Accounts using my Personal Information these Accounts was open without my Authorization I want them Removed and Block From My Credit Files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in identity theft, forgery, false pretenses in 2017. Attached is Form 14039 Fraud Affidavit, sheriff 's report plus information on the person responsible. She is currently in a Mississippi XXXX XXXX XXXX XXXX XXXX XXXX.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Consumer Loan

We purchased a new door through XXXX. They verbally called Service Finance for approval and told us the payment would be $ XXXX/Month. We did not sign anything related to financing at this time. We then received a statement from Service Financing for {$240.00} monthly payment. When we questioned it, they provided the paperwork that they say we signed. The signature on the document is forged, it is not my signature, and it is clearly copied ( the exact same signature ) multiple times throughout the document. It is not dated, and the section asking for my birthday is not completed either. 

We advised Service Finance Company , LLC that we believed our signature was forged and were disputing this, and they still sent us to collections! Now my credit has been impacted. 

In addition, the financing never should have gone through, because XXXX did not schedule the inspection ( he arrived unannounced ) and was not allowed into the home, so he could not have correctly signed off on the inspection as it was not completed. But I believe that is an entirely different issue?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX, has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX, has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX, has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX, has. violated my rights.