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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Consider this as a follow-up to my previous attempt to file a complaint Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$330.00}XXXX XXXX XXXX XXXX Balance : {$400.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.
Product: Debt collection

I have a medical bill that was sent to my auto accident attorney by mistake ( hospital assumed 2 visits were auto accident related although only one was ) so I never was given the opportunity or notice to pay a bill. Ran my credit today and realized the amount was {$1500.00} was sent to collections and hospital said they sent the bill to my attorney and could not discuss it with me. Attorney said it is not accident related and thats why they did not forward me the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have ask EQUIFAX, XXXX, XXXX  to look into these accounts that was opened in my name without my consent this has set my life on whole when i never sign for any of these account they need to be remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have sent the correct paperwork per the FCRA to the credit reporting agencies and they are not attaching the paperwork to the disputes to correct my credit report. 

These are the accounts : XXXX XXXX XXXX XXXX  I have not gotten any copies of the verification process per the FCRA like Im supposed to.
Product: Credit reporting

I recently submitted a dispute to Experian based on inaccurate information on my credit report. There is a collection listed for XXXX XXXX, and showing XXXX as the Original Creditors. I contacted Experian to let them know that this information should be removed and that I paid XXXX XXXX XXXX in the amount of {$410.00} ( see attached ), over a year ago. Experian still refuses to remove the information, and has only updated my credit report with inaccurate information which shows a balance owed of {$410.00}. I have attached front and back copies of my check, which was cashed by XXXX XXXX XXXX over a year ago. Please help me hold Experian accountable for removing this inaccurate information from my credit report. This has negatively impacted my ability to purchase a home.
Product: Debt collection

Dear Sir or Madam : I am writting to you because on XXXX XXXX, 2015, I did received a letter from Portafolio Recovery Associates LLC., Sender is : XXXX XXXX XXXX XXXX XXXX , XXXX, XXXXIn this letter he or they is/are claiming that I have a debt and they do not disclose the name of the person or company making the claim. 
I certainly can submit proof that I never have incur in any debt, nor done or signed for any kind of loans or credit cards or buy something or used a service to pay later, since all my life I have used cash to pay for any product or service I wanted. 
I am a retired senior and I do not acknowledge any kind of debt. 
Please, I will greatly appreciate it if you please get in contact with me via letter or phone and let me know of how to respond to this kind of scam, because this is a fraudulent debt collector. This person or company is requesting that I contact them, but I have not done so, since I am afraid what tactics he or they may use in order to implicate me in their nasty claims. 
For your attention and prompt replay to this matter, many thanks in advance. 

Sincerely, XXXX XXXX.
Product: Debt collection

A debt regarding an emergency room visit for my minor daughter. The debt collector is a third party collector and is not certified in medical billing and insurance. I have no knowledge of the original hospital attempting to collect this debt. All information in this complaint about the debt and company attempting to collect it was provided by XXXX and XXXX via phone. 

Sequence of XXXX called me on XXXX/XXXX/2015 at XXXX XXXX CST using the number XXXX. I informed her that I was disputing this debt. I requested the mailing address for certified mail disputes. She refused to give me the mailing address for dispute resolution until I asked her XXXX times. She stated [ my daughter 's ] insurance company was XXXX XXXX. I informed her that [ my daughter 's ] insurance company is XXXX and that XXXX XXXX is her doctor 's clinic. She then requested [ my daughter 's ] insurance information. I refused to give it to her. She then hung up on me. I was unable to obtain the account number or other information regarding the debt. 

I then called the number XXXX back at XXXX XXXX CST and spoke with XXXX. She gave me the account number and confirmed the address stating that it was a payment center address. I asked if it was for disputes, and she confirmed that I should send the dispute there. I informed her that I was disputing my debt. She then stated she would mark my account " as refusing to pay ''. I informed her that I was not refusing to pay that I was disputing my debt via certified mail, at which point she hung up on me. I was unable to obtain further information on the debt. 

A certified letter of dispute and cease and desist has been mailed to the address provided by XXXX.
Product: Credit card or prepaid card

I applied for this account and was approved in 2016. I requested to have XXXX XXXX as a authorized user on the account and apparently he then added himself without my authorization as a joint applicant. I was under the impression the account was still open but he took it upon himself to close the account due to divorce. we were never a married couple and he had no authority to do this cause I never approved putting him as a joint.
Product: Vehicle loan or lease

I had a payment due on XXXX  that was set for autopay. I called XXXX  to notify Westlake Financial Services that I had a new bank account number and to please use the new one. As shown on the screenshots below every time that I would log in it to make a payment, it would say that I did not have a payment due until XX/XX/XXXX in the amount of {$550.00}. It also clearly game a warning that a payment was in process and asked me if I was sure if I wanted to make another payment. I don't have the money to make a duplicate payment. As a student and full time XXXX driver, I would've made the duplicate payment if I would've known my car would be repossessed for their own mistake or not updating the financial dashboard. Very misleading and borderline malicious how XXXX went about things. In my head without any email notice or phone call, from Westlake Financial ( The Lender ) and the Collections department that is ironically also ( Westlake Financial ), my car was repossessed on XXXX  and sold back to the original dealer of purchase. Weird. In addition, at the time of purchase the dealer did not give me an option to use XXXX XXXX or another lender of choice and pressured me to use Westlake Financial which is not surprised. At first when talking to XXXX XXXX at XXXX, he refused to answer any questions and kept referring me back to the dealer as the car was sold back to them in the matter of hours. I personally believe the relationship between Westlake Financial and this dealership is very suspect. On top of this, XXXX has a 15 Day Grace period to make a payment which in this case, they took my recently purchased auto and {$1500.00} hard earned dollars for being 10 days late. I am a full time XXXX driver and this has taken a toll on my quality of life and will require a serious lifestyle change to get my life back. I am in the dispute process and hope that the XXXX can help me with a resolution to get my vehicle back.
Product: Checking or savings account

On XX/XX/2020, Bank of America deducted {$1000.00} from checking account without any explanation. I called them and as usual no resolution that they will investigate. In the meantime they stole {$1000.00} and will only refund after I file a complaint with CFPB.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX with new & updated information about my previous complaint XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX has not only failed to comply with the FDCPA but has also failed to comply with the FCRA as well by report-ing an alleged account that has not been properly verified- ( sworn under oath 28 USC 1746 ). I am demanding that all report-ing to all consumer reporting agencies- ( XXXX, XXXX XXXX Experian ) cease immediately.
Product: Credit reporting or other personal consumer reports

I recently obtained a credit report, and had many unauthorized inquiries reporting from " transunion '' I called transunion to inform them that these were not authorized or performed by me and they were done illegally without my consent. transunion offered me no help other than to dispute with the creditor which told me to call transunion. the following inquiries are listed by name and date they 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was talking to someone by email about tutoring his son. Then he sent me a check of {$2600.00}. I received it on XX/XX/XXXX. He said he accidentally sent too much, and asked me to deposit the check and XXXX him the rest. Since there is a limit {$500.00} I can XXXX someone new, in the course of 3 days, I XXXX  3 different people total amount of {$1400.00}. Then the check turned out to be false and the check got returned. So the {$2600.00} amount bounced from my account, and it turns out I sent {$1400.00} to scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I hada car  loan with XXXX and paid it on time for 4 years as a lease  car and then turned it in and got another car. XXXX is saying that they billed me for a ding in the car of {$250.00} and I never got the bill and then reported me late. they said they called me 20 times but when i asked for the phone number they were calling, they had the wrong number it was one digit off from mine. So i never got any mail or calls regarding this. I had moved prior to all of this happening and then. I asked the car dealer XXXX for their records from the lease and they told me they dont keep records. 

There actions of the wrong number and wrong address caused my score to drop and my credit score went down. I am not happy
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated a wire for the amount of {$5000.00} US Dollars from my bank, XXXX XXXX  to my husband 's bank in XXXX, HSBC. The funds did not make it to his bank. After 2 weeks of waiting I decided to cancel the wire and the XXXX XXXX wire department requested a return of funds. On XX/XX/XXXX XXXX XXXX informed me that HSBC involved OFAC and that I needed to answer a series of personal questions for HSBC to release the funds back. On that same day XXXX XXXX  sent the requested information to HSBC. Again, XXXX XXXX asked for the funds to be returned. Everyday after the XX/XX/XXXX XXXX has sent requests to HSBC to return funds and has had no response. On XX/XX/XXXX, XXXX XXXX  informed me that OFAC had closed the investigation but still hadn't heard any responses to the requests sent by XXXX XXXX  to HSBC regarding the return of funds. Today it is XX/XX/XXXX and XXXX XXXX 's wire department has yet to hear any responses. I need my money back now! Wire Confirmation number that XXXX XXXX  sent the wire successfully to HSBC is # XXXX
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 section 602 A. States I have the right to privacy.

15 usc 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 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 7 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. 

XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX They have violated my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

I don't remember exact dates anymore, but Zimmerman & Zimmerman no longer have XXXX XXXX as a client. When my credit card went over and had to pay all fees etc, my checks were garnished and the fee paid in whole and satisfied. XXXX AND Zimmerman & Zimmerman did NOT report this to collections. As such, I still have a civil suit against me ( showing on my record from FIVE YEARS AGO ) to where lenders can't loan me money for a much needed new vehicle. I HAVE THE SATISFACTION LETTER. In the days this has happened, I found out XXXX is NO LONGER a client of Zimmerman & Zimmerman. As such neither have ANY record of my satisfaction letter, but I DO have a hard copy.
Product: Student loan

My complaint is that I have mailed information to Navient to see what could be done to have my student loan payments reduced but they continue to have me delinquent with payments I have tried for a year now to see what can be done when XXXX send information to me about doing a repay plan for XXXX dollars a month for a full year than my account would be forward to a loan servincing company paying the same amount each month they lied to me because when I received information from Navient my payments would be over XXXX dollars a month I could not afford that so I mailed a letter with a request to see what other options I have they never acknowledge my later but continued to place my account in a late status each month I want to pay on my account but I can not afford the amount that was stated the company is unwilling to help. i do n't understand why the companies are not willing to help consumers XXXX
Product: Credit reporting or other personal consumer reports

To whomever this may concern, Im beyond frustrated with Transunion. 
I received a copy of my credit report and Id like to make the following adjustments to my credit profile to update it MY NAME is : XXXX XXXX PLEASE REMOVE : XXXX XXXX FROM MY FILE. THAT IS NOT MY NAME AND NEVER HAS BEEN MY NAME EVER. 

MY CURRENT ADDRESS AND ONLY ADDRESS IS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Please remove : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX requested for these closed accounts to be removed from my credit report as they are Aurthorized User lines. That I dont want on my file Remove the following lines listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove the following inquires from my credit report as they are unrecognizable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IVE ATTACHED AN FTC REPORT AND MY XXXX AND ID FOR IDENTIFICATION PURPOSES. THANK YOU IN ADVANCE.
Product: Vehicle loan or lease

I'm trying to get a state to state transfer of my vehicles title from TD Auto Finance. I purchased the car on XX/XX/2020 I was told that the process takes about 30 days. I followed up with emails and phone calls on XX/XX/XXXX, XXXX, XXXX. I was told that TD bank hasn't received the title yet from Arizona. I was later told that they had received it and they would fax it as well as mail a copy of it to me. I never received the fax, but I did get a Title and Registration Application in the mail. My title agent said she needs a  certified copy of the title, not the registration application. She even spoke with them directly. My agent and I spoke with XXXX XXXX a TD bank customer service supervisor on XX/XX/2020. She assured us that she would mail a certified copy of the original title that day to my title company and to expect a 5-6 day delivery time. It never arrived. XX/XX/2020 I spoke with the finance department at XXXX XXXX, ( dealership where I purchased the vehicle ) to see if they could help me, they said they would contact TD bank the next day. I followed up with TD Auto Finance customer service on XX/XX/2020 and spoke with XXXX XXXX and he advised me that they still don't have a copy of the title and nothing was sent on XX/XX/XXXX. I called back today, XX/XX/XXXX, and was told that TD Auto just received the title this morning and will have it sent out in a couple of days and expect a 5-6 day delivery time once it is sent. I have my doubts that this will happen, but I remain hopeful. Meanwhile, my temporary tags have been expired for a couple of weeks and I can no longer drive my car legally because I can't register my car in Florida without a copy of the title. I have been more than patient and accomidating but I can't seem to get a straight answer from them. This really shouldn't be this difficult. I'm hoping this complaint will motivate them to resolve this issue.
Product: Credit reporting or other personal consumer reports

Good day, there's an inquiry on my credit report that I don't recognize nor have applied to, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me XXXX  on why and how this happened.
Product: Debt collection

On XX/XX/2015 I cancel my XXXX for XX/XX/2015 my balance on XXXX was XXXX On XX/XX/2015 payment of XXXX was withdraw from my checking acct. Only XXXX was deducted from my balance On XX/XX/2015 payment of XXXX was withdraw from my acct. I try to correct this problem with directv. After many calls finally reach human being, all she could do give me an address I send all my documents and no respond. 6 months later collection agency mail me letter, I contact them and no respond. Now one year later, other collection contact me .Once again I have to correct XXXX mistakes. I owe XXXX nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXXXXXX 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: Checking or savings account

On XX/XX/XXXX I made a deposit through the mobile banking app with two checks one for {$330.00} and one for {$150.00}. The money was immediately credited to my account, and I use some of it as it was for a business trip I was taking that weekend. In addition to those two checks, I deposited other cash into my account through XXXX  to use for my trip. The next day Wells Fargo went in my account and took back the credits for those two checks and put them on hold for over 10 days but did not tell me why, and this overdrew my account in addition to putting a hold on the money that I had deposited in there in addition to the checks. The day they put a hold on my checks those two checks already cleared the check writers account. I have never had a return check and I have never had a problem with fraud. They would not tell me why at first that they put a hold on it but then they came back and said for fraudulent activity but could not explain why. And when I explained to them there was nothing in my account that would even suggest remotely fraud they could not give me a straight answer and would not credit the money to my account even though those checks had already cleared. Instead they keep telling me I have to wait until the XXXX for my money to credit and this deposit was done on the XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. I sent letters on XX/XX/XXXX XX/XX/XXXX and today XX/XX/XXXX and sill have these incorrect items. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation, and you did not notate this debt was in dispute. Not only have you ignored my prior requests for validation of debt, but you continue to report this debt to the credit bureaus causing damage to my character. I know by law these must be deleted and I am owed {$1000.00} per violation. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

XXXX & XXXX XXXX Last verified, date of last activity, date opened, closed date are all reporting incorrectly. I also know that XXXX uses deceptive practices and I feel as if this is one of those cases. 

Equifax- Is reporting a debt that I have no way of knowing what it is because they do not show a creditor. This must be deleted, how is this affecting my credit but I have no way of knowing who its from!!!!