23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

An insurance check from   XXXX   XXXX    county   XXXX   XXXX   XXXX   was addressed and issued to the Insured policy owner and the   busines s   ( auto body shop ) for repairs  on our vehicle created by an accident. A claim was made to the insurance company ; therefore a check was issued and the ins urance adjuster hand delivered the check to the owner of the  body shop and t he che ck was Payable to : the insurance policy owner and the   body shop       XX/XX/XXXX . The owner of the body shop took the Check to Wells Fargo Bank on  XX/XX/XXXX  a  nd the teller directly deposited the check WITHOUT the Insurance Policy Ow ner 's signature. I received a copy of the check from t he Insurance Co. and no  signatures were on back of the check. On the back of the Check it states : Personal Endorsement of Each Payee Required ENDORSEE : Please endorse check exactly as your name appears on the face. THEN it was stamped by  Wells Fargo " CR EDITED TO THE ACCOUNT OF WITHIN NAMED PAYEE ''. The amount of the check is twice of the quote given to us for repairs ; therefore, this money was stolen and falsified. Therefore, I am filing a complaint against  Wells Fargo on a llowing funds illegally to be deposited to t his body shops account without Consent. No Consent form was signed nor do we   have any invoices on the body work done to the vehicle. Requesting the difference of the amount quoted to us for the body work done. A verbal quote from the body shop was {$2100.00} and the check was written for {$4800.00} due to the lack of responsibility on  Wells Fargo Bank allo wing this individual to take money without our consent and due to the nature of this claim our insurance premiums went up.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

I received a letter ( XXXX ) from MEDICAL DATA SYSTEMS receiving documents for verification purpose of alleged debts. They claimed to be a third-part service. HIPPA LAW was violated. A contract was provided as proof of verification and the contract does not explicitly state that " I '' gave authorization to a third party to access my information. Many other laws has been violated FDCPA SECTION 806. FDCPA SECTION 808. ALSO, there's a violation of CONSUMER law 15 USC l681 S 2 ( b ) XXXX BALANCE : {$3200.00} XXXX BALANCE : {$4000.00} XXXX BALANCE : {$6300.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized credit inquiries that appear on my credit report. I have reviewed my credit file and identified multiple inquiries that I did not authorize. These inquiries constitute a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which mandates that a credit bureau may only furnish a consumer report when permissible purpose exists. Since I did not initiate or authorize these inquiries, they must be removed immediately. 
The unauthorized inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 U.S.C. 1681b ( f ), a party requesting my consumer report must have a permissible purpose. Since I did not apply for credit, loans, or any services that would justify these inquiries, these entities lacked a permissible purpose, and thus, the inquiries must be removed.

Additionally, 15 U.S.C. 1681i grants me the right to dispute inaccurate information in my credit report and requires TransUnion to investigate and correct any unauthorized or erroneous entries. 
I demand that TransUnion : Conduct an immediate investigation into these fraudulent inquiries. 
Remove the unauthorized inquiries from my credit report. 
Provide a written response confirming the deletion of these inquiries. 
Disclose the name and contact information of each entity that requested my credit file. 
I have attached a copy of my drivers license, and a ftc affadavit for identity verification. 

Thank you for your prompt attention to this matter. I look forward to your written confirmation of these removals.
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report that dont belong to me. I sent a police report to the bureaus, but nothing has been removed Transunion inquiries Inquiry details XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX  XXXX, Il XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX XXXX {$25000.00} XX/XX/XXXX
Product: Debt collection

On XX/XX/, XXXX, from the number XXXX, GC Services Limited Partnership called my cell phone, without my prior permission, at an inconvenient time. Your employee informed me that the call was being recorded but failed to mention that GC Services is a debt collector and he was calling in an attempt to collect a debt. Your employee then proceeded to continuously ask me to verify my personal information. I declined several times explaining to him that I dont verify my personal information with people I dont know, but I did confirm my name. He explained that he had an urgent business matter that he needed to discuss but could not proceed without verification. Again, I declined to verify the information he provided and I was asked to please hold so that I could be transferred to a supervisor. When I spoke to the supervisor she introduced herself as XXXX XXXX and also proceeded to make several attempts to have me verify my personal information without first giving me the proper disclosures required by federal law. With each response I had to reiterate that I do not verify my personal information with people I do not know and I did not give GC Services permission to call my cell phone or have access to my personal information. The call was then disconnected. Your company made me aware that this call was recorded and the evidence of these violations will be present in that recording. 
The above violations to my consumer rights proceed additional violations of the Fair Debt Collection Practices Act that I suffered from your company in your written communication that I received XX/XX/XXXX  via mail. I have sustained an additional 9 violations of the FDCPA, in conjunction with the potential of this being a fraudulent debt. GC Services is trying to claim an alleged debt that currently another debt collector, XXXX XXXX XXXX XXXX is attempting to collect. Your company has also threaten to sue and I am experiencing terrible XXXX XXXX that are agitating my XXXX and XXXX as a result of your communications with me. I am a XXXX veteran and I am a federally protected consumer and my rights have been contiguously violated ever since the initial communication by GC Services Limited Partnership.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I contacted Experian, XXXX, and XXXX XXXX by Phone to update all personal information. I was informed that it would take up to 30 days for my information to be updated. I waited almost 2 months for this to reflect on my profile but it never happened. 

On XX/XX/2021 I sent out letters to Experian, XXXX, and XXXX XXXX in further efforts to update my personal information to the only information that is Valid. I've waited patiently to no avail. I need this information updated as soon as possible to reflect accurate information
Product: Credit reporting or other personal consumer reports

I have been dealing with these credit reporting agencies for three months and I haven't gotten any resolution they are complying with the laws set in place by our government, I have been treated unfairly and this has really caused me great stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX on XX/XX/23 to remove this inaccurate address and they said they can. I also sent in a letter with my identification verifying my current and only address.
Product: Debt collection

For the past 4 weeks I have been receiving phone calls and text messages from a company called Harris & Harris , Ltd. claiming to have a debt collection against me. In the beginning I thought it was a scam, I still feel as though this is. I at one point did tell one individual that I mistakenly picked up a call when they tried to hide their name when they called from a number that if they were legitimate, that they could mail me the information so I could substantiate their claim and to stop calling me until I received such information. 
I have never received anything in the mail from them. I received daily calls from they despite them being told to stop calling me and me constantly blocking all the new numbers they try to contact me with circumventing my efforts to block them. They attempted to text me and I sent them a 'STOP ' communication notice and I haven't received further communication past this. 

I am unaware of a single debt that I would have out there from any creditor and this level of harassment needs to stop. I am also going to reach out to my state AG office, Attorney General XXXX XXXX, for additional support in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I reviewed my credit reports from XXXX, XXXX, and TransUnion and found multiple inaccuracies related to my personal information. These errors include incorrect names, addresses, and employers that do not belong to me. I submitted formal disputes to each credit bureau, requesting the correction of this information under my rights established in the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ). However, the credit bureaus failed to properly investigate and correct these inaccuracies within the legally required timeframe.

These errors have caused harm to my credit profile by misrepresenting my identity and potentially linking me to fraudulent activities. Additionally, outdated and incorrect phone numbers remain on my report, increasing my risk of identity theft and unsolicited communications.

Under 15 U.S.C. 1681e ( b ), credit bureaus must maintain maximum possible accuracy in consumer reports. Their failure to do so violates federal law and affects my financial opportunities. I also requested that any deletions be communicated to other credit bureaus under 15 U.S.C. 1681i ( a ) ( 5 ) ( D ), yet I have not received confirmation that this requirement was met.

I am requesting immediate corrective action to ensure compliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX In the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing as an active account and that the balance I owe is {$35000.00} reported XXXX XXXX I challenge the accuracy, compliance and reportability of this account. 

Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation Bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 Days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing regards to the frivolous inquires that have surfaced on my credit report after I just had this happen in past timing this is getting ridiculous. According to 15 usc 1681c-2 blocking of information, all information deemed fraudulent by the consumer SHALL be removed 3 days of this receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

is formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within XXXX XXXX XXXX XXXX days, yet you have failed to respond. 
Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission XXXX FTC ) ( see 15 USC 41, et seq. ).
Product: Mortgage

Loan is an interest only loan that now has a principle payment added. My father passed away several years ago and my mom has a trust where she is the trustee for the trust in the name of my father. My name is also listed, however this bank constantly loses things that are faxed to them and they repeatedly ask for things over and over. Not talking to my mom, telling her they CAN NOT talk to her. 

I need someone from the bank to look into this ... .please. The mortgage payment went from {$1000.00} to {$1900.00} per month, my XXXX yr old mother will not be able to pay this on SS and pension alone ... .we need help from someone
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX. I am a victim of Identity theft. I hear about robberies and muggings often, I'd never thought that I'd be the one going through it, unfortunately I was robbed at knifepoint while picking my dog up from doggycare and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see my attackers face as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXX, XXXX  I am writing to delete the following information in my file. The items I need deleted are listed in the report, i am a victim and i did not make these charges I ask that these items are deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

Dear CFPB, I am filing this complaint through your office for assistance in regards with the inaccuracies on my credit file. I have mailed a dispute to credit bureaus but I was not able to receive a good response. 

KOHLS/CAPONE XXXX
Product: Credit reporting or other personal consumer reports

Under the FTC, and privacy act I have to a right to opt out of creditworthiness or other personal characteristics that is being shared. If any company shares credit score or details about a purchase. I have a right to say no about sharing. This is a defamation to my character.
Product: Credit reporting or other personal consumer reports

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

On XX/XX/XXXX my niece contacted my concerning some issue with her debit card and if I had a joint account with her. This information was given to her by the employees of the bank. I then decided to contact the bank that is when I was told that my debit card was closed by the fraud dept. on behalf of a call that was placed by my niece concerning her debit card being lost or stolen. I was told my card was lost or stolen meanwhile my card that chase bank compromised is still in my possession of as this date XX/XX/XXXX. on XX/XX/XXXX I was also advised that my niece is a signer on my account and also the beneficiary. I was advised to visit a branch location to resolve this matter. I was asked why did the fraud dept. send me to the branch location when they were the ones who initiated the problem. At the branch I was also advised by an employee on the phone that my niece is a signer on my account making my account accessible to XXXXhree individuals where by there are only two signers on my account my self and my daughter and my debit card was lost or stolen. After that date I placed several calls to the bank trying to find out how and why my card was closed since my niece called concerning her account. One employee even told me that the beneficiary can conduct transactions on any account. I eventually got a claim initiated with the executive department. In the interim of waiting on this matter to be resolved my car insurance, my apple account and my legal shield was almost cancelled due to these accounts being linked to my Chase debit card. The matter was eventually resolved per the executive office after approx. 6 weeks. I had to request documents as such but this letter does not explain what happened and caused my debit card to be closed by an individual who has no personal ties to my account other than being the beneficiary on the account. The most I received from XXXX is an apology and the letter is verbiage that the executive office approved to be sent out to myself.
Product: Credit reporting or other personal consumer reports

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
The account listed are not transactions done by myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX there was a hard inquiry on my account that has been open sinceXX/XX/XXXX with XXXX XXXX for XXXX 's XXXX XXXX. The account has not been used since then nor have I had contact with XXXX XXXX or the furniture store sinceXX/XX/XXXX The inquiry was unauthorized and I was never informed that an inquiry would be ran. 
I called into XXXX XXXX 's customer service. They told me they can not access any information to the account because it's the store 's card, so they had to transfer me to that card 's customer service. When I reached the representative on that line, they told me they have no record of the inquiry being pulled and can not tell me why one would have been pulled. They claim to have filed a dispute through Transunion, but I do not feel confident that any actions were properly taken since they can not see their own inquiry they pulled. This is negatively affecting my credit because hard inquiries take points away. 
I do not understand how a company has no record, but had to have sent a report to a creditor requesting my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX potentially negative months {$1500.00} Closed Account info Account name XXXX Account number XXXX Original creditor - Company sold - Account type Unsecured Loan Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Status updated XX/XX/XXXX Balance {$1500.00} Balance updated XX/XX/XXXX Original balance - Monthly payment - Past due amount {$1500.00} Highest balance - Terms 9 Months Responsibility Individual Your statement- This information is still report incorrectly on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need expedited removal of the account that has been re-aged on my credit report. The Date of First Delinquency field on previous reports contained an incorrect date and I disputed this date over and over again with both the CRA and the Furnisher and it was never corrected, always verified as accurate. Now the Date of First Delinquency field is blank, showing no date at all.

This date is important in order to calculate the 7 years for the account to be removed. Please note : Per the complaint instructions, attachment does not include my personal identifying documents.

Company Involved : Equifax Information Services, LLC ( CRA ) Company Involved : XXXX XXXX XXXX XXXX XXXX ( Furnisher )