23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi, My daughter 's insurance is managed by her dad. All the medical bills associated with her XXXX or care through the XXXX XXXX XXXX should be in his name, and as well as all the other medical bills when I was out f work. This a problem. I called to have the bills transferred into his name but that has not happened. 

I also filled out a financial application which they have lost through XXXX and the University XXXX XXXX. This is also includes bills for the XXXX. There are also bills that have been sent to collection agency companies without going through the insurance claim process. The two companies are XXXX XXXX, Direct Management, and XXXX XXXX. 

The other problem is that the insurance company which is XXXX can not speak with me about the bills because my daughter 's coverage is in her dad 's name. XXXX met her threshold for her deductible in XXXX of 2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. i must have been the victim in a cyber hack or identity theft. 
these non-account holding inquires with : XXXX XXXX card, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, syncb- XXXX XXXX-XXXX XXXX XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$7400.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ;
Product: Checking or savings account

Until recently, I was a customer of Chime ( Website : www.chime.com ), an online financial institution that offers checking and savings accounts. The deposits are routed through XXXXXX/XX/XXXX XXXX Routing Number XXXX ) and XX/XX/XXXX ( Routing number XXXX ). 

On Monday XX/XX/XXXX, I received an email from the bank, asking for my employer and source of income. Later that afternoon, I responded with the requested information. 

On Thursday XX/XX/XXXX, I received another email from them, stating that they need documents supporting my answer, to which I responded that I am not willing to provide because of privacy concerns. The email stated that if I refuse to respond, my account may be suspended or closed, so I asked for a way to close my account and transfer my balance. I did not get a response. At the time, the total of my deposits amounted to {$210000.00} Expecting the account to be closed, I started moving money to an external linked account. Chime only allows transferring up to {$10000.00} each business day. 

On Tuesday XX/XX/XXXX, my account was suspended without any further notice, and I currently have no way of accessing my money or any monthly statements. I have repeatedly sent them emails and as of now have not received a response. Furthermore, I have sent them the documents they were requesting in the first place, in hopes of just getting my money back. I have repeatedly called them, and I am always told to expect an email response, as the call center does not handle such complaints. I have not received any correspondence since XX/XX/XXXX despite also sending them multiple emails. Since suspending the account, they are in possession of the remaining balance, which amounts to {$170000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XXXX Reference # XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, Equifax received my dispute of account number XXXX, {$510.00}, with agency number XXXX with Equifax. I requested that Equifax investigate this account and send to me any documented proof from the creditor that the account belongs to me. Equifax in is violation of the Fair Credit Reporting Act section 611 ( a ), 15 USC 1681i ( a ). I have disputed this account several times over the last two years and Equifax keeps responding stating that Equifax verified the account. Equifax received my last dispute on XX/XX/2019 by United States Post Office certified mail number XXXX XXXX XXXX XXXX XXXX. Equifax has failed to respond to my dispute of this account and it has more than thirty ( 30 ) days.Equifax has not produced any written documents proving that the debt belongs to me. I have not received anything from Equifax as a response from my dispute of this account from Equifax. It has been more than thirty ( 30 ) days and Equifax is in violation of the law by not providing a response to me, providing Equifax 's investigation procedures, providing written proof from the creditor proving that the debt belongs to me and within thirty ( 30 ) days of Equifax receiving my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information regarding my personal credit report that is reporting inaccurate information. I have sent dispute letters to all three credit bureaus on XX/XX/2022 in regards of the inaccurate information that is currently still being reported on XXXX, XXXX, Experian. The total amount is ( {$410.00} ) which is a collection account as well as other inaccurate accounts. This inaccurate information is hindering me from establishing new credit accounts and other things regarding business. I appreciate you in advance for looking into this matter on behalf of myself!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, it appears you're not watching what is going on so I will say this only once, according to the new rules put out by you and the other two agencies it appears you are not following them, it states .... 
" The three nationwide credit reporting agencies have agreed to three important changes to reporting medical collection accounts, the time period before unpaid XXXX XXXX debt will appear on a consumers report will be increased from six months to one year this is effective XX/XX/2022 There appears to be an account that i didnt even know about placed on my report by some company named XXXX and they have three items dated XX/XX/2022 thats a far cry from one year. You need to remove this NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquires on my credit report that are not mine. These are the companies reporting false information XXXX XXXX XXXX First Interstate Bank XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XX/XX/XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Original account opened with XXXX XXXX in 2018 Under my identity which was stolen from my locked vehicle. Now is with a collection company, Southwest Credit Systems which is trying to collect the fraudulent debt from me. {$1900.00}. I repeat this debt is not mine, never has been. This was the result of identity theft. I have filed dispute with XXXX and contacted Collector Southwest to attempt to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

First call I received XX/XX/23 from Americollect they said I had a XXXX  debt. I told them I dont have any outstanding debts and I havent received anything in the mail. XXXX told me oh you probably havent received it yet. She told me if I gave her my birth date she could look it up. I told her no thank you and that I thought it was a scam that I was not giving them any of my personal information. I then checked my credit report and discovered that Americollect had did a soft inquiry on my credit report, there was nothing sent to collections. Second call was XX/XX/23 I still have no idea what the debt is for. they still would not give me any information until I provided my full birthdate. I once again told them XXXX not giving out that kind of information and that they have XXXX days from the day they first contacted me to send me a verification letter, which I have yet to receive. I was told XXXX was sent out I have not received anything. I also asked them to stop contacting me that I have no outstanding debt and this is harassment.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX we received an email from what we believed to be a contractor, giving bank information for a wire of $ XXXX. We initiated the wire Chase Bank, sent the transaction number to our contractor, who said they were the wrong credentials. Within 10mins of the wire being initiated we called, emailed and secure messages Chase to STOP or Recall the wire. 10 mins later we got an email saying the wire was being processed, we again called the bank, sent secure messages as they requested. They did nothing. the money was deposited into the fraudsters account at Chase bank GA _ The company name was XXXX. XXXX XXXX XXXX. 

We have called. emailed. not just our branch but also the GA branch, who told us the money was XXXX out of the account within minutes f it clearing, and this was not the first time. 

We sent a private investigator to the registered address of XXXX and the person tere was not a XXXX XXXX and he had never heard of him. The bank are telling us that they have contacted XXXX XXXX at the address we looked at and untill he returns the money we are $ XXXX out of pocket. 

We believe the bank are complicit in this fraud, they obviously did not do due diligence in this man when he opened his account earlier this year, also they did not attempt to stop payment when requested. and know tell us its our fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

Data X an Equifax Company shared my information with XXXX XXXX without my authorization or consent which led to me being denied credit my privacy was violated by Data X and it's inaccurate credit reporting because I also have no knowledge of the Auto loan with XXXX XXXX I never gave permission for any of my personal information to be shared with anyone and my information has been shared with third parties more than twice it's a violation by federal law I have the right to fair credit reporting and right to privacy
Product: Credit reporting or other personal consumer reports

Account is not reporting correct XXXX data breach Thank You Based on the information you provided, our records indicate your personal information was impacted by this incident. 
For more information, visit the FAQ page. 
FILE A CLAIM For Assisted Identity Restoration Services, please call XXXX at XXXX and provide engagement number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX account # XXXX Date opened was XX/XX/2017 and the first reported was XX/XX/2017 with a 6 month terms and that with was convert to close status of XXXX that was written off or purchased by another lender by the name XXXX XXXX   and account # XXXX I HAVE SEND ALL THREE CREDIT BUREAU PROOF OF IDENTITY THEFT, POLICE REPORT AND MY XXXX XXXX DATE PAPER. I HAVE BEEN XXXX FOR LAST 15 YEAR AND WAS XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been sending letters to the bureaus about incorrect reporting and nothing has changed they state they cant fix it however inaccurate information is being reported ( XXXX experian and XXXX report different on multiple accounts Highlighted in the yellow are XXXX highlighted in the orange are Experian highlighted in the pink is XXXX. 
Accounts are different, date opened are different. Balances are different, credit limits are different past due amounts are different, comments are different, date last active are different, date of last payments are different, there are charge offs with balance amounts, balance amounts are different, my name is different even after sending documents nothing has been updated or corrected Under the law 609 FCRA it states everything must be validated and reported correctly this hasnt happened. Please review exhibits A-V all inaccurate reporting each bureau reports something different.
Product: Debt collection

WAKEFIELD & ASSOCIATES XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Date opened XX/XX/2022 Balance XXXX Account number 122306 15 USC 1692c ( c ) That law clearly states. " If a consumer notifies a debt collector that the consumer refuses to pay a debt the collector must cease all communication. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed many things on XXXX XXXX. I KNOW FOR SURE that one last thing on my credit reports is outdated and they keep updating the " open date '' so that it doesn't expire. Why? I have no idea? Anyways, the debt is very old. Please look into this for me. I'm a Vet.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I received a unsolicited loan offer in the mail. I immediately opened it because it looked like something form the government and I was alarmed. After reviewing the letter, it took me several minutes to figure out who it was from. Secondly, there is no term. Thirdly, it says I am entitled to an escrow refund, but if they refund it to me and start a new escrow account wont they be essentially financing that for how many years the term is? This is very deceptive marketing and these people should be looked in to in XXXX Florida. Finally, my mortgage company is n't XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an ID theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XX/XX/XXXX XXXX XXXX  Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$820.00}
Product: Debt collection

To Whom it may concern, I'm have recently look in the details to monitoring my credit for future endeavors to set things in place for retirement etc. and I discovered a overload of items/ accounts I was not aware of, I'm not sure where these charges and accounts could have activated nor when however these are not my account .I 've tried to call to verify with these companies to little ( or no ) avail .I feel overwhelmed and stuck in moving on ward and upward.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, or addresses on my credit file. Additionally, I didn't authorize these companies to pull my credit. Please remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX about account number XXXX reported by the National credit system, inc.in a amount of XXXX. I told XXXX that I dont owe any money to the company reporting this Item and I want this to be out of my credit report because it is negatively impacting my score and my credit. I attached all the proof that I do n't owe any money to XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent my daughter {$200.00} thru my banks on line transfer service. This is called XXXX. However she never received the funds. I filed a complaint with my bank Wells Fargo ( been with XXXX ) A week later I called to get status & was told the fraud department had an outage & was unable to receive calls. This went on for 3 weeks. During this time I contacted XXXX who told me because I used WF app they could not talk to me. Since this time I have called WF & XXXX many times. All I have been able to get is WF closed my complaint because they found no fraud. WF was told by XXXX that they sent the money to bank account connected to the phone number on the account which happens to be a disconnected number. 
When I tried to explain this to WF they said the case is closed. They will not help me further on this matter. When I call XXXX I get disconnected. XXXX transaction number is # XXXX
Product: Credit reporting or other personal consumer reports

I dispute the account in the amount of {$1500.00} with XXXX XXXX XXXX XXXX, account number XXXX, as it is not mine. I have never had a cellphone account associated with this debt. Despite multiple requests for documentation, including a signed agreement to verify the claim, no proof has been provided. Additionally, I am a victim of identity theft, which may have resulted in this account being fraudulently created in my name. This account does not belong to me and should be removed