23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because I cant help but feel a little cheated here. My credit score has dropped by over 90 points as a result of this collection from ATG credit. This is all stemming from a medical collection that I thought insurance was going to cover. The whole medical billing process is a mess and Im now being severely punished for something I had no fault in. Im trying to purchase a property and Im unable to qualify for the home loan program because my credit score is too low. I paid this collection once I was able to ascertain that it was  valid and that it indeed was my liability. Throughout that process I think its worth mentioning that I kept receiving nothing but conflicting information and this is what ultimately led me to delay the process of making the payment. I already pay quite a bit of money every month for insurance so who would want to pay more without verifying information? 

In addition to this, I was also informed by a supervisor that once the account is paid, that the damage to my credit score will be reversed. This simply isnt true as I have come to find out that the Version of the Credit score that is utilized in Mortgage lending will punish you the same amount regardless if the collection account is paid or unpaid. This is really a travesty, I am unable to fulfill a lifelong dream of purchasing a home over a small medical collection. 

I am asking that they submit a request to remove this account from my credit reports so I can move forward with the purchase of my home.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after my Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiries were not and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, 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 XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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: Money transfer, virtual currency, or money service

Wells Fargo ADVISORS ARE XXXX AND XXXX. I OPEN A CHECKING, SAVING AND BROKEAGE ACCOUNT, THEN ALL OF A SUDDEN MY ACCOUNT IS LOCK BROKEAGE. I CALLED THEY SAID GO TO BANK FAX SOCIAL CARD. I DID IT STILL LOCK. I CALL AGAIN NOW THEY CHECK STUB RENTAL LEASE FOR ME TO OBTAIN MY OWN MONEY. I TOLD THE GUY I FEEL LIKE YALL TREATING IN A XXXX  AND HE SAID IT MIGHT JUST BE THAT. I HAVE NO MONEY OR HOLIDAY GIFTS. I REALLY TIRED OF THIS XXXX  XXXX WORLD WHERE XXXX SUPPOSE TO BE POOR
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX has violated my rights. 
Account Number started in XXXX. 

15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction.

under 15 U.S.C 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within ( 4 ) business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report five fraudulent accounts appearing on my consumer XXXX Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXXXXXX XXXX in XX/XX/XXXX under account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX, and a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from my consumer credit report and all collection activity related. These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but to inform my attorney about this issue : XXXX XXXX XXXXXXXX XXXX Balance : {$2500.00}. Please conduct a proper investigation this time and ensure that the items stated above are reporting appropriately as required by the law. Otherwise please update this account that is found to be inaccurate or unverifiable or outdated.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account XX/XX/XXXX, account number 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear agency reporting please remove fraudent Account from my report : please help me I'm suffering from these scams for a few years I looked for a solution I couldn't find it, until a friend told me to get in touch with you he told me that you guys are excellent now solve these scams I'm very confident in you for please help me!
Product: Debt collection

i have reported this account as fraud to the company affirm, I've file police report, FEDERAL TRADE COMMISSION identity theft reports, and they still refused to remove this fraudulent account from my credit file. when i called the company, they said they would remove it, but the have not. Now they are reporting it as a Charge Off because I have disputed this account on several occasions knowingly it will be difficult to have it removed. If need be I will take legal actions to have it removed!!
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 {$6400.00}, {$16000.00}, {$0.00}, {$210.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account. 


-- AUTO LOAN OR LEASE 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- REAL ESTATE LAON 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$210.00} -This is not my account.
Product: Checking or savings account

I recently opened an account with TD Bank in XXXX of XXXX. 

On the morning of XX/XX/year>, I tried to use my debit card to make a small purchase of {$10.00}. It didn't go through. 

I tried to login to the app and website online banking, but that didn't work either, so I tried to reset my password, but it directed me to call customer service. I called customer service, and they told me my account was closed. No information was provided to me. I was only told I could only visit the branch. I asked to speak to someone about it, but they told me I couldn't. 

I went to the branch, and I explained that there had been XXXX checks that recently bounced due to unemployment and a death in the family. They told me that a request had been put in to reconsider and double check, but the request was denied. 

I asked about opening another account or to reconsider, but they refused. 

I was able to get the {$270.00} from my savings account paid out, but apparently there was still a pending charge on the checking account, so they apparently couldn't give me the funds in it, despite it being closed. 

They have my money right now.
Product: Vehicle loan or lease

back in XXXX I had financial hardship due to covid. I called Westlake financial to tell them what was going on. they did offer one month of no payment but since I got furloughed from work I would still be in trouble. they are trying to hold me accountable for a vehicle that I gave back to them and now it reflects late payments and different amount. I did have XXXX for pay off now they went from that to XXXX and I have a letter to send them XXXX this is totally wrong
Product: Checking or savings account

Hello, I made some claims that there were suspicious transactions made on my account, so I made XXXX separate claims with Wells Fargo XXXX claims I made yesterday and XXXX was made on XX/XX/XXXX. I didnt make these transactions, but there reasons of why closing down the both accounts were due to claims being made. I made these claims my self so why would it be a security risks? I dont understand that. I called them plenty of times and they said they cant do anything about it since it is final decision but I really want that account back. It also said my both accounts are going to close on XX/XX/XXXX, so hopefully you guys can get to me before that.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any
written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. V Gravens ( mo ) XXXX XXXX XXXX that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ). XXXXXXXX XXXX Balance {$310000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible
Product: Credit reporting or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT. The List of accounts below have violated my federally protected CONSUMER RIGHTS to privacy and confidentiality under 15 USC 1681. XXXX - XXXX 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A. Section 2, States a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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.

This is the fifth time Im reaching out to resolve this matter. Ive reached out to both trans union and XXXX neither of which has been able to provide proof of authenticity yet this account has remained in my credit report effecting my personal finances causing me to suffer as a result of XXXX and XXXX error XXXX My next course of action will be to start the process of taking this issue to small claims court seeking damages for the blemish to my finances.
Product: Credit card or prepaid card

Capital One has closed my account with notification, warning, or apparent reason. This is very problematic because Capital One made material advertising that the account could be used to improve my credit. However, the opposite is true when Capital One arbitrarily closes the account.
Product: Checking or savings account

Suntrust recently merged with XXXX to create Truist. During this merger, they deactivated current debit cards for new debit cards. I was never sent a new debit card. I have no access to my account. I was also locked out of online banking for two days XXXX XXXX. My debit card has been deactivated since XX/XX/XXXX. They have not sent a new card, and I can not access my funds. 

The wait time to speak to someone on the phone is over an hour. This is terrible business. They should not have deactivated any debit cards until they had actually shipped out new cards. I have zero access to my account.
Product: Credit reporting

I discovered a past due balance on a XXXX credit card. I had no knowledge of any balance due. I have spoken to XXXX Bank and we do not agree on the situation. I paid my balance in full as far as I knew. I did not receive any notices of any kind from XXXX. After speaking to customer service there is no agreement to anything. They did not have a correct address and I never received an email. I would not have ignored a {$19.00} charge if I had been aware of it. I had paid the balance in full to my knowledge. NO XXXX listens.
Product: Credit card or prepaid card

Someone withdrew money from an ATM in XXXX CO- I live in XXXX  XXXX CO ( 120 miles away ) and my fianc was in XXXX Kansas XXXX it was not us. 
XX/XX/2023 ATM Withdrawal {$300.00} XX/XX/2023 ATM Withdrawal {$700.00} and then someone use XXXX- which we don't have- we don't have any XXXX products at XXXX XXXX XXXX in XXXX CO XX/XX/2023 XXXX {$370.00} XX/XX/2023 Purchase {$2900.00} Wells Fargo claims they investigated and they will not give us back our money
Product: Student loan

I have attempted to contact the servicer ( MOHELA ), the month of XXXX, 2025 a total of 9 times. I dialed XXXX and each time I wait an average of 3.5 hours each call for a representative to retrieve my waiting call. I have yet, to speak to anyone. I spoke with a representative with Federal Student Aid- the representative forwarded me to MOHELA . Again, I waited on hold 2 hours. I also mailed a statement I received with a note that indicated my desire for a forbearance and correspondence via phone call. 

I need to apply for a forbearance before XX/XX/year>. There is not a functionality online ; I have to go through representatives. Unfortunately, representative will not answer the phones.
Product: Checking or savings account

The dates range from XX/XX/XXXX to XX/XX/XXXX. I believe I was incorrectly charged overdraft fees and other fees. The company made no attempt at all to rectify this or even attempt to help. I tried customer service numerous times and also at the branch to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote 9 letters ( sent via USPS Postal Service Certified Mail ) to EXPERIAN requesting proof of verification about items that I identified in my credit report as inaccurate, outdated or incomplete. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness. <P/>Tracking Number : Certified mail Receipt Green Card/ XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX They failure to provide me with verifiable proof required of account listed on each letter. Instead, they send to me a letter that says ... " We have previously processed this dispute and the creditor has verified its accuracy ''. No evidence of proof of verification has been send to me. <P/>Attach will find the last letter sent to EXPERIAN, LETTER # 9.
Product: Credit reporting or other personal consumer reports

I found another account on my report that was reporting that is not mine. I filed a ftc report and nobody is helping me get this off. See below. 

XXXX. XXXX XXXX ( Original Creditor : XXXX ) Account # : XXXX Amount {$900.00}
Product: Credit card

XXXX applied my {$8400.00} credit card payment to the wrong card. It was applied to an account where my husband is the primary cardholder. We tried calling multiple times to address the issue and asked to speak with a manager, on both calls the customer account representative hung up on us or would not let us talk to a supervisor. Finally, on our XXXX attempt ( a XXXX minute phone call ) the representative connected us with a supervisor who waived the late fees and interest charges but could only create a case number to investigate. XXXX XXXX XXXXXXXX verified the payment was sent on their end to the correct account, XXXX verified that it was posted to the wrong account, yet no one has been able to fix the issue. In my opinion, my {$8400.00} has been stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing a recent copy of my [   XXXX   ] credit report I noticed a credit inquiry by your company that I do not recall authorizing.
I understand that you are allowed to put inquirie  s on my file, but only if I have given my authorization.   Please have this inquiry removed from my credit file as soon as possible. I have sent this letter certified mail because I need your prompt response to this issue.   I would greatly appreciate receiving a written response that you have had the unauthorized inquiry removed.   If you find that I am mistaken, then please send me proof of my authorization.  <P/> Thanks in advance,  XXXX   XXXX   XXXX
Product: Debt collection

The two companies of the collection are LVNV Funding LLC and XXXX XXXX XXXX. I explained that the debt didn't belong to me and that I may be a potential victim of an identity crisis. I am still being harassed, called repeatedly, and forced to give them information that I don't feel comfortable doing/do n't have. I asked them to stop repeatedly via phone calls and they still call from different numbers and inappropriate times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please delete this immediately. 
XXXX XXXX XXXX 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 found this unrecognized account CHOICE RECOVERY INC # XXXXUnder the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Below are a few questions to answer which may help you to resolve these mistakes. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above company names and dates are fraudulent inquiries reported on my XXXX credit report that I did not authorize. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The above company names and dates are fraudulent inquiries reported on my XXXX credit report that I did not authorize. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The above company names and dates are fraudulent inquiries reported on my Equifax credit report that I did not authorize