23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a fraudulent account. Ive never signed up for anything with XXXX XXXX or XXXX XXXX. My identity was stolen and multiple fraudulent accounts where opened under my name without my authorization and or knowledge. This account is one of them. Ive disputed the validity of this account with ABILITY RECOVERY SERVICES , LLC, several times to no avail. ABILITY RECOVERY SERVICES , LLC, refuses to provide me with the documentation Ive demanded them to provide me with, ABILITY RECOVERY SERVICES , LLC, refuses to remove this account out of my name and off my credit report.
Product: Payday loan, title loan, or personal loan

I'VE CALLED SERVAL TIME AND ONLY THE AUTOMATED COMES ON AND I GIVE ALL MY INFO AND IT SAYING THAT IT DOSNT RECOGNIZES ME... I WANT PAY IT OFF BECAUSE ITS A TRIBAL LOAN AND THE INTEREST IS CRAZY AND IT WAS A MISTAKE EVERY SAY THEY ADD MONEY TO MY LOAN AND I CANT GET HOLD OF THEM.. I NEED TO GET OUT OF THIS LOAN
Product: Credit reporting, credit repair services, or other personal consumer reports

I have put in disputes to TransUnion, XXXX and XXXX regarding 2 accounts from XXXX XXXX   that are too old and should be deleted from my credit reports. The information is incorrect and recently they updated the status without my permission and now it has reactivated an account that was paid in full and closed over 10 years ago. Also, I have an account with XXXX XXXX that was paid in full and closed by me that I asked to be deleted/removed and it also shows an update in XX/XX/XXXX. This account was to be deleted/removed in XXXX. XXXX XXXX has documented my accounts inaccurately. They said they changed the account to a shorter account number but kept reporting information under both the original account number and the new generated account when the first account was closed 10 years ago.
Product: Credit reporting or other personal consumer reports

TransUnion, please delete the following account : XXXX XXXX XXXX , XXXX . The listed balance of {$2900.00} is incorrect as the account has been paid. Furthermore, the account is erroneously listed as open, which is clearly incorrect. Supporting documentation, and proof of identity attached. Kindly remove the account immediately.
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. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these accounts from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}. 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE HARD INQUIRY with a Company that does not have any account with me. 
They can not remove this from my credit report because they don't show any account on there records. I did not allowed this company to pull my credit report. When I tried to call this number they ask for an account and gave my social security number NO RECORDS FOUND. 
I am asking XXXX, ( Equifax XXXX FILE : XX/XX/XXXX Confirmation # XXXX ) to stop reporting this information on my credit file since it in inaccurate. 
XXXX XXXX File XXXX : XXXX Date Created : XX/XX/XXXX XXXX and Equifax is allowing this inaccurate information to remain on my credit report investigate, remove and delete. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on repairing my credit since XX/XX/2019. Last month, when I received a new copy of my report, I noticed an address reporting that is unfamiliar to me. XXXX  is reporting the address as a previous address of mine, and XXXX  is reporting it as my current address. The address reporting is : XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX. 
I am not familiar with this address and I have never been to Pennsylvania. I would like for this information to be removed as it is hurting my credit scores. Below I have included letters I sent to XXXX, XXXX  and Equifax asking them to update my personal information.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There are several accounts that I didnt open or give anyone else permission to open.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and i have made several attempts to XXXX to have my identity restored due to criminals illegally reaping the benefits of using my identity. On XX/XX/year> i sent out a dispute letter regarding my identity being stolen to XXXX credit reporting agency. During the time my identity was stolen i was serving a long prison term in the Michigan Department XXXX XXXX so attached to my dispute letter was supporting documentation such as Proof Of Incarceration proving that i had no access to my own identity and that the perpetrators did what they wanted and ruined my financial well being. 

XXXX and creditors deleted what they felt was necessary to them. The remaining accounts and inquiries that need to be deleted from my credit report are : XXXX. ) XXXX XXXX Acct # : XXXX XXXX. ) XXXX XXXX Acct # : XXXX XXXX. ) XXXX : XXXX XXXX Bank XXXX. ) XXXX : XXXX XXXX Bank XXXX. ) XXXX : XXXX XXXX investigation was conducted pursuant to the FCRA section XXXX. XXXX in case of disputed accuracy.. The investigation was done in such an error that they REMOVED XXXX ACCOUNTS RESULTING FROM THE IDENTITY THEFT BUT DIDN'T DELETE THE ASSOCIATED INQUIRIES. 

Also XXXX and creditors failed to have damaging information blocked and removed from my credit report according to FCRA 605.B Block of information resulting from identity theft. Instead XXXX and creditors continue to make the consumer suffer having to deal with the burden, all because they make a profit from data furnishers to continue to report inaccurate and false information. 

According to the XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is to be done in a way that allows complete identification information to be reported with the ability to match the CORRECT consumer.
Product: Checking or savings account

I had someone scam my business account over the phone and then go in and get a cashier 's check for XXXX and XXXX. They say the disputing policy for check is 30 days but it happened when I was in XXXX  and I couldn't dispute it. They are turning down refunding the money due to the 30 day rule but I was incarcerated and couldn't do a dispute. I disputed it as soon as I could after jail. They owe me the money cause they were supposed to protect it and they allowed them to walk in XXXX different states and take out XXXX dollars of my hard earned money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX incorrectly entered that I was consistently late when I was on deference. This still shows a negative reflection on my credit reports.
Product: Debt collection

Creditor Bureau calls me everyday, they have my medical information and mailed me a copy. I want this company to CEASE & DESIST FROM CONTACTIING ME CALLING MY PHONE LEAVE ME ALONE,
Product: Credit reporting

I was informed that I can check my Equifax dispute on their website. When I check the status of XXXX it 's says should be available on XXXX/XXXX/16 and even the automated system says my investigation is complete but when I go on the website it says pending and no information.
Product: Mortgage

this is a follow request to my complain with Pacific Bay Lending. Based on my experience in mortgage industry. this company is not adhering to ECOA and Reg B guidelines. My loan was not decisioned within first 30 days of application. My loan is at day 45 and still no decision. Rate has now expired. Being in the business and industry when i spoke with the account executive XXXX he said " We were unprepared for this amount of volume '' and that since i am in the business i should understand this. This is not a valid excuse to not adhere to ECOA and RegB guidelines. I expect a follow up investigation in this companies untimely and " unpreparedness '' This is unfair to unknowing clients where fees and costs will be passed down to the client when the delays have all been on lenders end.
Product: Debt collection

Re : Chase Bank / Unlawful Credit Card Debt Collection Practices. Due to a loophole through the court system and a Chase bank credit card charge-off in 2009 for {$6400.00}, I have been issued a wage garnishment now totaling {$14000.00} through a debt company XXXX XXXX. After a long effort to prove unlawful judgements, deceptive affidavits, debt flipping and AZ interest rate violations, my motions to vacate the case have been denied. 
XXXX XXXX had failed to provide acceptable documentation and disclosures of debt ownership but it was disregarded and/ or ignored by the courts. Also, some spreadsheets provided by XXXX resemble " robo-signed '' copies of uncollectable debt transfers. The '' so-called debt '' was passed along through various debt collectors through incomplete bills of sale. 
I have also been affected by inaccurate and duplicate debt accounts by credit reporting agencies. This has affected my ability to obtain credit, financing and possible employment in the past years. Collection Information about the debt left an impossible burden of challenging the errors. Now, the {$500.00} a month garnishment has also caused financial hardship. 
The successful debt collection lawsuit against Chase bank proves wrongdoing by XXXX XXXX, debt buyers and the bank. The repeating many times over of resale of debt, often for pennies on the dollar, is excessive. 
I will include in this complaint, various court documentation, unsuccessful debt verification and credit report documentation. If any other documentation is needed, I can supply this on demand.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was affected in the XXXX Equifax security breach, leading to several days ' worth of annoyance and unnecessary XXXX about the potential threat of identity theft. Although I have taken all possible steps to avoid issues from this breach in the short term, this data breach will continue to affect me for the rest of my life, as my personal information can not be " taken back '' once it 's been released into the public.
Product: Checking or savings account

I filed the claim with wells fargo regarding my fraud case on my checkin account. Wellsfargo account number is XXXX Merchant called XXXX withdrew {$44000.00} from my checking account. Ever since, i reached wells fargo for help but they didn't help me and kept on saying it an authorized charge. 

I never used XXXX and never gave my information! 

I need your help for wellsfargo to provide a proof showing an authorized charge because i never used XXXX in my life!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate information on my file. I have sent correspondence and have contacted them via telephone on numerous occasions to have same corrected. The company is willfully and negligently non-compliant.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle 's handling of despites, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. despite using Zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately they informed me that recovering lost funds was impossible and that tracking these transaction was unfeasible the cfpb 's neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams this lack of accountability and transparency is unacceptable and raise serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts recently to have the balance updated on 2 charged off accounts ; XXXX Credit Card and XXXX XXXX XXXX. I have sent multiple disputes to all three credit bureaus XXXX, Transunion and XXXX. They have all stated that they investigated and updated my results. I dont believe that they have investigated because they would have found in the investigation that the balance on the charged off accounts with XXXX  card services and XXXX XXXX XXXX should both be listed as {$0.00}. Both of these accounts have been sold to collection agencies. According to fair credit reporting practices, an account sold to a collection agency should not continue to report a balance owed. This is a direct violation of my rights under the FCRA.
Product: Vehicle loan or lease

In XX/XX/XXXX my bank didn't pay my car loan because my overdraft protection was accidentally removed. I noticed in XX/XX/XXXX that my car payment with Credit Acceptance wasn't taken out I contacted them on XX/XX/XXXX asking about my payment the representative said I had a payment scheduled for XX/XX/XXXX, on XX/XX/XXXX no payment was reflected on my account. I called again on XX/XX/XXXX and was advised again a payment was scheduled for XX/XX/XXXX, no payment was taken out. On XX/XX/XXXX I received a notice from the credit bureau showing my car not was reported as late and my credit score dropped 78 points. I contacted Credit Acceptance again this rep told me I had a payment scheduled to come out on XX/XX/XXXX, I asked was it other ways I could make my payment she said online I checked it would not allow me to log in I called back in and the rep told me I needed to create a new again because they no longer used XXXX XXXX for their payment company. I still wasn't able to make a payment online because the system said I had a payment scheduled in the system. I called back and was advised my account needed to be deactivated to allow me to make a payment online, I made a payment. I still haven't received any correspondence advising me on my loan being past due or that their was an issue with their system. On XX/XX/XXXX I put in a complaint with the better business bureau after calling again to the company and no one could explain why my payments were not being deducted. On XX/XX/XXXX I  received a call from a rep in the compliance department who advised me my auto pay was XXXX, she then explained I could make my payment online and explained why the payment did not go through she could not explain why the previous reps did not know this or why they would tell me to check with my bank because my bank was blocking the payments ( which was incorrect ). I received another call from that same compliance rep today XX/XX/XXXX advising me she would place notes on my account but she could not remove the late payment charges on my credit. Because of the miseducation of the reps of Credit Acceptance, I can no longer purchase my house and will be evicted from my home because it is showing my car loan as past due for an error on their part. I can understand XX/XX/XXXX payment issue but going forward that was a issue on the company, I was also told that when I missed a payment before they would change my biweekly payments from {$210.00} to {$230.00} and this would not report my car loan as late but when I spoke to the compliance rep today that was incorrect. I would like the late payment charged removed so that I can get approved for my mortgage as well as get a better company to handle my car loan.
Product: Credit reporting or other personal consumer reports

I have written Experian many time on these issues. 

They are incorrectly placed false names on my credit report. 

I have sent Certified Letters ' XXXX ( Name ) and XXXX ( Hard Inquires not known or giving permission ) I've also asked in the same letter, after removing these items I DO NOT want any Credit Freeze or Fraud Alert placed on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried disputing the account due to all of the wrong information including the payment history, and how they are still reporting even after the charge off date and the account has been closed for years
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDPT ED/XXXX  XXXX -DPT ED/XXXX  XXXX -DPT ED/XXXX  XXXX -DPT ED/XXXX  XXXX -DPT ED/XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian credit prepared report dated XX/XX/2015 have us filing Chapter XXXX Bankruptcy on XX/XX/2015 and that grievous error was made. We have NEVER filed for bankruptcy on XX/XX/2015.We have had our credit denied several times because of this report from XXXX XXXX .
Product: Credit card

While checking my most recent credit report I noticed unauthorized and fraudulent charges and inquiries made by this company even after I advised them of identity theft and asked this account be closed and removed from my credit report. I advised that the store owner illegally forged my name without my permission on this contract. I did not authorize anyone nor give Written consent to anyone employed by this company to furnish any information on my credit report. This is a violation of the Credit Report Act 15 USC 1681 ( b ) c which constitutes as fraudulent activity and is also a serious breach of my federally protected consumer rights. 
I notified Synchrony Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that I am not responsible for the listed account as I am a victim of identity theft. I forwarded an identity theft police report number from my local police department, my report/complaint number with the FTC as well as a copy of my complaint with the attorney general and will attach the information yet again for review. I also furnished Synchrony Bank with the Civil Index Number regarding the fraudulent account and charges and after numerous complaints written, phone and online they have continued to violate my consumer rights. 15 US Code 1108/c-2, clearly states a stop the reporting of any information in the file of a consumer That the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well over 30 days in facts 5 months. Synchrony Bank is in violation of this law because I am a victim of identity theft!! I want this account closed immediately and to stop reporting on my credit report as this is a violation of my federally protected consumer rights and as the law advises. I would hope that Synchrony Bank no longer violates my rights and removes and blocks this account and its information as well as ALL inquiries associated with this identity theft. If this account is not closed IMMEDIATELY as the Federal Consumer Law suggest I will have not option but to bring a Civil Suit to protect my Federal rights and seek ANY and ALL the judge sees fit. 

XXXX XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX {$4400.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions XXXX have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts/items. XXXX XXXX XXXX. Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of my credit report from Experian after having a long process trying to get my credit unfrozen. They finally unfroze the report and immediately dropped my credit report # severely. I requested a free credit report from them and instead was referred to their self-service dispute website which permanently says " due to technical problems '' it can not be used. 

I believe the information being used to report my credit score by Experian is wildly inaccurate and incomplete. Their score is 80 points below that of the other two agencies. 
Essentially, Experian is refusing to provide my credit report. 

I need a copy of my Experian credit report immediately so that I can take action against them. 

I will wait 1 week from the date of this complaint to have in my possession a complete Experian credit report. Failing that, I will seek counsel in this matter.