23daVinci/CFPB_Complaints huggingface dataset:
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 1

5 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 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: Debt collection

This company ( XXXX XXXX ) calls SEVERAL times per day and it is overwhelming. 

The calls are as follows ( XXXX ) : Friday, XX/XX/XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX, XXXX XXXX Saturday, XX/XX/XXXX XXXX XXXX ; XXXX XXXX   and XXXX XXXX. 


Calls also came from : ( XXXX ) : Friday, XX/XX/XXXX XXXX XXXX and XXXX XXXX I have picked up and asked them to stop calling, the calls persist. 
Just on XX/XX/XXXX alone, they called me SEVEN times in less than a 12 hour period. Of those calls, 3 times in 35 minutes!!! 

This company is NOTORIOUS for calling nearly 10 times per day, at this point I have had enough and decided to file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the collection account on my Transunion and XXXX credit report. XXXX succesfully resolved issue but Transunion did not. Transunion instead claimed to have verified and updated the info on account and Transunion also lowered my score by 28 points. There is no update on the actual credit report. I paid this account in full to the Original Creditor XXXX. There should be no collection and no balance. Transunion failed to contact original creditor to see if the balance had been paid and are continuing to report false data that is not updated or verified.
Product: Payday loan, title loan, or personal loan

A REGULAR BI-WEEKLY INSTALLMENT WAS SCHEDULED TO BE WITHDRAWN FROM MY ACOUNT ON XXXX XXXX. 

ON XXXX I CALLED TO REQUEST A PAYOFF OF THE LOAN VERSUS JUST AN INSTALLMENT PAYMENT. 

ON XX/XX/2020 WHEN I LOOKED AT MY BANK ACCOUNT THE COMPANY WITHDREW BOTH AMOUNTS THE INSTALLMENT & THE PAYOFF AMOUNT. 

I CALLED ON XX/XX/2020 AND WAS INFORMED THAT THEY WOULD NOT BE ISSUING ME A REFUND OF THE {$100.00} THAT WAS WITHDRAWN IN EXCESS OF THE PAYOFF AMOUNT ...!!
Product: Credit reporting

XXXX account XXXX ..., has XXXX, PAID IN FULL. 
XXXX account XXXX ...., has XXXX, PAID IN FULL. 
XXXX account XXXX ...., FRAUD AFTER ACCOUNT WAS OPENED. 
XXXX account XXXX ...., FRAUD AFTER ACCOUNT WAS OPENED. 
XXXX XXXX account XXXX ...., FRUAD ACCOUNT. 
XXXX XXXX XXXX XXXX account XXXX ...., account was used to commit FRAUD. 

THE INQUIRIES BELOW ARE NOT MINES AND SHOULD BE REMOVED. ATTACHED PROOF OF CAR DEALERS SUBMITTING WITHOUT MY APPROVAL TO SERVAL BANKS. 
he following information is part of your credit history and is provided to others. 

XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX This item is currently being investigated. Date : XXXX XXXX, 2016
Product: Checking or savings account

On XX/XX/year> I received a fraud alert from Capital One. I called immediate and said I did not make those charges. My XXXX  account was hacked and it was linked to my debit card. Capital One cancelled my debit card but did not stop the charges from going through. They advised that they could not stop pending charges. I said but they are fraud. Once the purchases were withdrawn from my account I called again. They said that they investigated and the purchases came from my account. Well obviously my account was hacked. They cant show me any proof of anything. I did not make these transactions. What is the point of fraud alert if they allow it to go through anyway.
Product: Debt collection

In XX/XX/XXXX, I received a phone call from Wakefield Collections. I was told I owed a debt for two Dr visits in XX/XX/XXXX. I told the representative I didn't know what they were talking about and asked for them to send me proof. I was informed they don't send info, I'd have to send an email and request proof. I was given an email address and sent email. I never received a response. 

In XX/XX/XXXX, I received a call from Wakefield. I was told I owed a debt, knew I owed a debt and was just refusing to pay. I told representative I wasn't going to pay a debt that I didn't know anything about and I had requested information in XXXX. Representative told me, we will get the money from you, you don't have to pay, but we will get the money. I told Representative I will not pay a debt that I know nothing about and with no proof. Representative told me it was mine and why would he lie? I told him he'd lie because he wanted money. I told him I was asking for proof and if they didn't send proof, it's not really my debt. Representative told me they didn't need to send me any proof, it was my debt and I needed to pay. I told representative, send me proof I owe debt and I'll pay minus interest and fees. 

The dates for service coincide with dates I went to XXXX, but I was on a payment plan with hospital and was told everything I owed was in payment plan. I went to XXXX in JXX/XX/XXXX. I never received any bills for Drs and never heard anything about owing money until Wakefield called me in XX/XX/XXXX. 

I filed a complaint with my State 's Attorney General. Heard back today and they closed the case.
Product: Checking or savings account

I received a copy of my ChexSystems record and I have found several inaccuracies in the report. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In detail, you recorded that I had non-sufficient funds wI am disputing this record because I believe it to be inaccurate. Please request evidence of this unresolved outstanding negative record and investigate these items for me. 

I understand that your repository is required by law to begin an investigation for me because you are a credit-reporting agency and must follow the Fair Credit Reporting Act. I await your results.
Product: Payday loan, title loan, personal loan, or advance loan

Hello, About a year ago I had a loan with Moneylion. Today on XX/XX/year> I realized they have been taking {$9.00} out of my account for over two years. Today I counted 31 transactions for {$9.00} for a " XXXX XXXX XXXX XXXX '' - They take out {$19.00} monthly. I never agreed to this and When I try to cancel they say I can not cancel do to an outstanding loan balance, which I do not have a loan balance. Even if I did have a balance I am not supposed to be charged {$19.00} monthly for a membership I do not want nor need. 

I am requesting a refund of all the fees from XXXX XX/XX/year>. 

At current count I am counting {$310.00} in fees. 

I would like them to be returned to the account they were taken from!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX added an settled old account to my Credit file in violation of FCRA hindering my ability to obtain a new loan. Having the credit bureaus report a 2nd mortgage on my file
Product: Debt collection

XXXX XXXX called my fianc when the auto-payments I had set up had not been processed leading to several past due payments. In the phone call, they told him the exact balance of my account and how much was due at that time.

They have also called my fathers number multiple times looking for me, even though they have my location ( address and phone number ).

I had received no phone calls or letters dictating that I was past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA, XXXX TRANSUNION TRANSUNION, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Social Security Number : XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that [ US DEPT ED XXXX ] has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA, XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX TRANSUNION AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERES ALSO ADDRESS AND ACCOUNTS LIST ACCOUNTS BELOW XXXX XXXX. US DEPT OF EDUCATION XXXX. XXXX. XXXX. XXXX. ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Product: Debt collection

My identity was stolen in 2014 my purse ( which included my license, social security card, pictures etc. ) I had to shut down all bank accounts so I would n't have told you that something cleared my bank. Also my personal information was leaked online to public information sites ( see attachment ) anyone can google my name and obtain detailed information about me which I 'm trying to get removed off line. I do n't even live in New Jersey. Nothing has been presented to me as verification of debt either by Trident or XXXX online. 

Disclaimer advise by lawyer to note : I did not authorize any debts to be brought by a third party company. I did not authorize my personal information such as name, address, social security number, Date of Birth to be given or brought by a third party company, if you are not the company at which I acquired a debt you are a third party company. I have the legal right to protect my identity, if any debts are owed the originally company can send proper verification i.e. a signed legal document explaining my debt.
Product: Credit reporting

Hello, I paid for a monitoring service with Experian at Experian.com 3 months ago and immediately l discovered an unknown entry. It has been 3 months and my case has yet to be resolved. I am requesting your help to have the following unknown entry deleted. I have contacted the original creditor but they cant help me because the account is not tied to my personal information XXXX XXXX XXXX Acct # XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Checking or savings account

On XX/XX/year>, I mistakenly submitted a transfer of {$1000.00} from my XXXX XXXX  checking account to an older and already closed account from PNC Bank. After noticing the mistake, I contacted XXXX XXXX  to have my funds returned, but they said that they couldn't do it and told me to contact PNC Bank. After contacting PNC Bank and giving them all the information about the transferred funds, they informed me that they couldn't locate them. At this point, I decided to contact the CFPB for assistance.
Product: Credit card

On XX/XX/year> I applied online for a Citizens Bank credit card account. My credit bureau with XXXX was pulled. Subsequently after calling Citizens bank I was told that I was declined and a letter was to be sent to my residence address. I received no letter showing the account was declined. 

I've attempted to follow up on several occasions to get a copy of the denial letter ( as required by law ). Citizens Bank is telling me they can't provide the letter or documentation showing the account was denied.
Product: Debt collection

Congress Collections is attempting to collect a debt for unauthorized charges. The charges relate to XXXX XXXX I never received, including an x-ray. I paid all charges due at the time services were acquired at the XXXX XXXX in XXXX, but it appears that the office tried to send additional services for payment through my insurance. My insurance denied the charges and I was sent an invoice. I tried to sort it out with the office, advising that I paid for services at the time received and identifying charges for services reflected on the invoice that I didn't receive, but they didn't budge. This account is the only collection account on my credit report and damaging me financially. I would like for it to be removed from all major credit bureaus due to the fraudulent nature of the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$17000.00}, {$7500.00}, {$13000.00}, {$960.00}, {$30000.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

-- CLOSED ACCOUNTS -- 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$960.00} -This is not my account. 


-- AUTO ACCOUNT -- 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as Equifax 's 2017 data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in 3 letters regarding my credit report to each bureau. XX/XX/2021 was the last one I sent. I haven't checked my credit in awhile and noticed a lot of information on my report that is just not accurate at all ( names listed, accounts, addresses ) that I've never lived at. I've called several times to dispute the wrong information being reported and I either get disconnected or no real answer. Every time I call in to explain that I've sent in my letters multiple times, the reply is they haven't gotten it. its been over 3 months since at least ONE response even after calling. I have no clue what else to do and I feel like there won't be a resolution because they keep saying they haven't received anything. These accounts need to be updated ASAP because I am looking to make a purchase and the false information on my report is unfair and I've already explained to Experian and XXXX  that my personal information has already been used before and that I keep getting notified that I am involved in a breach. Please help me figure this out, I'm out of options and frustrated that its been over 3 almost months now.
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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these 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 However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX XXXX SER  ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXXXXXX XXXX SER ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NAME : XXXX - XXXXXXXX SERVICE ACCOUNT # XXXX ACCOUNT NAME : XXXX - XXXX SERVICE ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Credit reporting or other personal consumer reports

I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes.

Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.