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

XX/XX/2024 XXXX XXXX ( SURNAME : XXXX ) XXXX XXXX XXXX XXXX FL XXXX My information was sold and bought illegally because I was a victim of the XXXX XXXX breach. I want these items deleted from my credit reports effective immediately. Im attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit report. List all the negative accounts from your XXXX credit reports. Account names and account numbers. I always see it every day on my account that my personal information is ALWAYS AT RISK! I dont understand after many years and so many payments made to XXXX that I would have any type of data breach. I have proof of my data incident breach which I filed a claim for see attached. 

XXXX : Comenity Bank/XXXX XXXX  - {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX, XXXX ) Comenity Bank/Wayfair XXXX XXXX XXXX XXXX I never gave anyone permission to open this account ( XXXX, XXXX, XXXX ) XXXX XXXX Comenity BankXXXXXXXX XXXX  XXXX {$0.00} XXXX XXXX - I never gave anyone permission to open this account ( XXXX, XXXX, XXXX ) Comenity Bank/Wayfair {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX, XXXX ) XXXX XXXX  {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX {$0.00} - XXXX XXXX I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX/XXXX  {$4000.00} - XXXX - I never gave anyone permission to XXXX this account ( XXXX, XXXX ) XXXX XXXX {$520.00} - XXXX -XXXX XXXX {$520.00} - XXXX I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX XXXX {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX ) and on top of it has another account open. I don't understand this at all. 

XXXX : Comenity BankXXXX XXXX  - {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX, XXXX ) Comenity Bank/Wayfair XXXX XXXX XXXX XXXX I never gave anyone permission to open this account ( XXXX, XXXX, XXXX ) XXXX XXXX  {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX XXXX {$520.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX XXXX {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX {$0.00} XXXX XXXX XXXX I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX {$4000.00} XXXX XXXX XXXX I never gave anyone permission to open this account ( XXXX, XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I have several unauthorized inquiries listed and reported in my Transunion Consumer Report File in which I have made contact with the creditors and transunion multiple times to initiate my dispute claims and the creditors advised that they will flag my personal information and have the unauthorized inquiries purged from my credit files from XXXX, XXXX and transunion.However, XXXX and XXXX have purged the unauthorized inquiries and transunion did not.I made large amount of calls to transunion speaking with various representatives of transunion that advised me that Transunion will not remove or delete the inquiries from my file and therefore the inquiries will remain on my file.after unsuccessful attempts to get this unauthorized fraudulent inquiries resolved Transunion have continuously violated my rights as a ID Theft and Fraud victim under FCRA TransUnion is not in full compliance with FCRA.I have forwarded copies of the FTC Identity Theft Report and XXXX XXXX Police Department Identifity theft report via USPS to Transunion LLC XXXX XXXX XXXX XXXXXXXX, XXXX to validate my claim and still I am advised again that those inquiries will remain on my credit file. 

Please be advised that the following unauthorized fraudulent inquiries are XXXX 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 have a security freeze on my social security number with all three of the major credit bureau companies, as a result of a fraud in XXXX. With the data breach at Equifax between XXXX and XXXX of XXXX, I am unable to find out from Equifax if my stolen data provides someone with enough information to lift the freeze. Equifax 's incident response line is unable to answer my question. That is an unacceptable response. They allowed my data to be stolen. They should be able to tell me whether or not I am at risk of additional fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602A. States I have a 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 my 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a report with XXXX, XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURCIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Debt collection

Dispute with XXXX XXXX On XXXX XXXX, XXXX, I contacted XXXX XXXX to initiate Internet and phone service. I was told I could use my own modem for the internet. They were supposed to turn on service but did not activate it and in calling them a number of times, I found out that I did need to use their modem. Since I was leaving town before that could be done, I cancelled my request for service. I talked to XXXX who confirmed the cancellation and gave me a confirmation number of # XXXX. Meanwhile, I retained my internet and phone service with XXXX XXXX XXXX XXXX now XXXX XXXX putting the phone on a seasonal hold, cancelling cable and keeping the internet active to use with my security camera. 
In XXXX XXXX, I got a bill from XXXX XXXX for {$100.00}. I called them and was told that it was a mistake and that it might take a few cycles to cancel the bill. They could see the account was never activated. 
In XXXX and XXXX XXXX, I got more bills showing I owed them {$100.00}. Each time, I called XXXX XXXX and was told it was an error and they would take care of it. 
On XXXX XXXX, XXXX, I got a letter saying I would be turned over to a collection agency if I did not immediately pay the {$100.00}. I called XXXX and found out that they had already sent my bill over to the collection agency and I would need to call them. 
On XXXX XXXX, XXXX, I called Credit Protection Association ( CPA ) at XXXX XXXX and spoke with XXXX XXXX, who said he would initiate a dispute on my behalf. My CPA reference number is XXXX. 
On XXXX XXXX, XXXX I got a letter from XXXX, saying a dispute had been filed with XXXX XXXX. 
On XXXX XXXX, XXXX, I called XXXX XXXX and spoke with XXXX XXXX XXXX XXXX. He said the dispute could take 24 hrs to 30 days but he had adjusted the amount owed to {$0.00}. He said because the bill was over {$100.00}, it had to go thru a more rigorous process. XXXX assured me it would be taken care of and gave me his personal extension of XXXX. 
I made three calls beginning XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, to XXXX and left messages on his voice mail saying that I have been getting almost daily calls from CPA about the collection. He never returned my calls. 
On XXXX XXXX, XXXX, I got another letter from CPA saying that I will be reported to the credit bureaus in approximately 30 days, if I do not pay. 
On XXXX XXXX, XXXX, I called XXXX XXXX and talked to XXXX, I asked for a supervisor and she connected me to a Florida office and I talked with XXXX. She said she could see that my account was not activated but I would need to be transferred to a collections supervisor. She also suggested calling CPA and filing a dispute. I told her I had already done that and filed a dispute with XXXX as well. She attempted to transfer me to collections and I got disconnected. Despite the fact the XXXX took my home phone number down in case we were cut off, she never called me back. 
I currently have an excellent credit rating and if this matter is turned over to the credit bureaus, it will be negatively impacted. Someone, please help me to stop this harassment for a bill I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have never spoke to them about this collection. i have no idea what this is from. these collections are misunderstood and fraud. they have been on my report without my knowledge. 

In accordance with the fair credit reporting act XXXX  account CAINE & WEINER, XXXX XXXX XXXX IN, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX has violated my rights. 
15 usc 1681 section 602 states I have a right to privacy.

15 usc section 1681 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XXXX XXXX XXXX Filed with the credit bureau that I was late on a payment in XXXX of 2020. I had realized the issue only when applying for a disaster loan that affected my business. Because of this negative remark, I was unable to qualify due to Derogatory Marks concerning my auto loan. I investigated and showed XXXX via email that they were at fault as they switched my statements to electronic statements without notification. In addition, I was hospitalized during this period and without a statement, my caregiver ( XXXX  XXXX ) was unable to pay said bill. Also, concerning this payment, I called to rush payment after two days late as i checked payment status as it is also on automatic billing and the automated system said no balance due. The next month it had stated an amount in excessive of double my payment, which I paid in full. I have called numerous times including their submission form in concerns to this issue and they have promised calls back with customer service stating that it is notated on the account that someone will follow up. Not one call has been received and I have been fighting this issue for 3 months. They falsely reported this multiple times and their choice to not change or communicate said requests is fraud as they never notified me concerning the statement delivery switch. 
Issue number two is they continue to bill me even though they received a settlement on the vehicle and I have gap insurance through XXXX XXXX. Customer Service threatened me if I do not pay they will hold me to it on my credit. The documents are attached proving payment from my auto insurance company. A lawsuit is in the process for this institution as they also violated ADA, Americans with XXXX act, violating reasonable accommodations for those whom are XXXX XXXX. 
These false reporting are causing the denial of an EIDL, Emergency Disaster Loan, of over 1 million dollars between my two XXXX. Damages more than this will be applied as well as they refuse to remove said debt from my account. This is fraudulent activity and any company supporting these actions are being listed in the pending lawsuit. 
The insurance company also delayed payment by 5 months ignoring my requests as well as this will be pursued in a different matter. 
Also, I logged into my portal to view status of my refund and they actualy ar requesting an additional payment for XXXX with no desription of the reasoning. Image Provided.
Product: Money transfer, virtual currency, or money service

I had {$200.00} deposited in a XXXX XXXX savings from my tax refund. However every time I try to link it to my pnc bank account, pnc sends me a code, I enter the code, and I get a msg saying XXXX XXXX is having trouble with pnc allowing customers to connect their accounts.

I called pnc XX/XX/20, she said make sure you are signed up for online banking and to try after XXXX. Still doesn't work.
Product: Checking or savings account

XX/XX/2022 all account I have with Wells Fargo are on a hard hold and have been for 7 day and still I have no $ $ $ I will not be able to pay any of my bills. 
1 account has over {$3000.00} in it 1 had {$20.00} 1 had {$50.00} I have been on the phone with Wells Fargo all day and I can not get any answers or my money
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX I have submitted a credit card application on Wells Fargo application on line, Im an existing customer with Wells Fargo having a saving account has more than XXXX and my credit score as per Wells Fargo application is XXXX However my credit application was pending for few seconds then was declined right away. 
My complaint is because my score is good and my credit history is good however I still got denied I called the credit card department and it was like running in a circle with no outcome.
Product: Credit reporting or other personal consumer reports

I contacted XXXX because they continue to report incorrect information about XXXX old loan accounts I had with EdFinancial. I disputed these inquiries ( with documented proofs ) using XXXXXXXX XXXX online dispute form, and was contacted about a week later saying XXXX resolved the dispute. However, when I logged-in to see the resolution, all XXXX did was leave me a note saying that the EdFinancial information was correct. When I originally submitted the dispute with XXXX, I informed them that I had already attempted to resolve this issue with EdFinancial but EdFinancial still had not removed the incorrect information, nor have they done anything else to correct the error. The last time EdFinancial updated my file with XXXX was almost XXXX XXXX ago - and since then EdFinancial has closed my accounts, transferred my accounts to another company, XXXX, and at XXXX my accounts were completely paid and closed. I submitted all this information to EdFinancial and XXXX but they will not correct these errors in my credit reporting file. XXXX has updated my files with the credit reporting agencies to reflect all this information, so I don't know why EdFinancial refuses to correct my information and why XXXX refuses to update the EdFinancial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a 30-day and a 60-day late payment reporting on my credit card for the month of XXXX and XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit for identity theft related to this issue as well. The new account I used to pay was entered wrong by somebody at the bank and as a result, I now have a 30-day and a 60-day late payment on my credit report. I have never been late a day in my life with this company. I contacted them with the updated bank information and they failed to change it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX, XXXX, and Experian XXXX Subject : Request for Removal of Inaccurate Information from Credit Report I am writing to dispute the following information on my XXXX credit report. The accounts in question are : Account Name and Number : XXXX XXXX XXXX XXXXXXXXThese accounts contain several inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681i ( a ) ( 5 ). According to these sections, all information on my credit report must be 100 % accurate across all three credit reporting agencies. If the information can not be verified as accurate, it must be corrected or removed. This inaccurate information is unjustly affecting my credit standing. Therefore, I request that you investigate this matter and remove the inaccurate information from my credit report. Enclosed are copies of my credit report highlighting the inaccuracies, as well as any supporting documentation. If my request is not fulfilled within XXXX to XXXX  days, I will proceed with litigation to collect {$XXXX} in damages for each inaccuracy on my credit report, as permitted by law. Thank you for your prompt attention to this matter. Sincerely, XXXX
Product: Debt collection

CNAC has put a negative remark on my credit report in regards to a debt that is my ex husband 's and I have sent the divorce decree signed by a judge stating this is not my debt but his to pay off. This negative remark is hurting my credit report. I have sent the divorce decree to all credit bureaus and CNAC. CNAC says they do not honor divorce decree. It is a legal binding paper stating this is NOT My debt. I want this negative remark removed so I am able to get a home owners loan and move on with my life. I have sent the decree to XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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

Equifax, XXXX  is reporting inquiries XXXX  Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX that are not an obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX acct # XXXX i did not live at this address and did not have service at this property. 
I found out that my father who is now XXXX had used my social security for many things with out my consent or knowledge