23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2024 I had spoke with Credence Resource Management LLC regarding a debt that is owed. They had stated my debt ( approximately {$1900.00} ). They told me that if I was willing to pay my debt, they would take approximately {$500.00} off of my bill. I stated that I am willing to pay my debts, but needed to speak to them on Monday, XX/XX/2024. 
On XX/XX/2024 at approximately XXXX ( XXXX ) XXXX, I had received another phone call from Credence, even after having an appointment to speak to them about this issue. I immediately requested to speak to the supervisor, XXXX XXXX. 
I told XXXX XXXX everything that has happened yesterday with the agreement, and that the staff member stated that it would be noted to talk to me on XX/XX/XXXX. I told XXXX XXXX that I am filing a complaint because at this point I will not be contacted repeatedly by the company after attempting to set up a payment when I can. It is truly sad that I am trying to do the right thing and pay my debts, but this company will not listen to me.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted credit bureau and let them know that I had got an email stating my information was once again involved in a breach and I had multiple UNKNOWN & UNAUTHORIZED inquiries on my credit report and I needed them removed. I was transferred to 3 different representatives and the call dropped. I called back the next day and was told there was nothing they could help me with!! They are as follows : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  FOUR TIMES ON XX/XX/XXXX, XXXX, XXXX  XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX
Product: Debt collection

In XX/XX/2018 two XXXX XXXX XXXX accounts were sold to XXXX XXXX in an attempt to collect debts that were not mines. I wrote letters to XXXX XXXX to provide proof that these accounts belonged to me and to also provide a signed contract with my name and they were not able to do that so all collections attempts were ceased and account was deleted from my credit. I see that now those very same XXXX XXXX XXXX accounts have now been sold to Enhanced Recovery Company in an attempt to say these accounts are mines again. The account are in the amounts of {$830.00} and {$610.00}. Please provide me with proof that these accounts belong to me with a signed contract or cease collections on both these accounts.
Product: Vehicle loan or lease

I contact the XXXX XXXX XXXX, once a week for XXXX weeks straight. XXXX XXXX XX/XX/year>. Everytime I call either by myself or with insurance company and third party partner ( co-part ) the information on the letter was incorrect. Then when the lease is paid by the insurance company now I have pay additional fees. That wasnt explained since the total loss of accident on XX/XX/XXXX. Misrepresentation on every call. I only received XXXX letter in the mail. It basically stated to continue to pay on lease until car is paid off in full. XXXX month went past, and I was responsible for pay on vehicle that wasnt in possession and was delayed from being paid off due to lack communication from XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Solar mosaic of XXXX CA opened an account in my name for solar/ home improvements on XX/XX/19 apparently at the request of XXXX XXXX XXXX   of XXXX XXXX CA . 
I never initiated this loan or process. 
It apparently has a balance of {$28000.00}. 
I have never received any funds nor requested them. 
This is identity fraud. I have notified solar mosaic and they are investigating. I have attempted contact with XXXX  XXXX  but have received no response yet. 
I learned about this just 1-2 weeks ago when checking my credit report.
Product: Credit reporting

I have recently checked my credit report on XXXX XXXX, and saw that on the Experian report and address I have never lived at showed up. That address is in Pennsylvania, I have never even visited Pennsylvania. I that can be cleared that would great.
Product: Prepaid card

American Express Serve and XXXX has taken hundreds of dollars from cards blaming system glitch. Been over 24 hrs and they can not give time frame.
Product: Credit reporting or other personal consumer reports

XXXX Upon reviewing my prior CFPB disputes and reviewing my updated consumer reports. 
I noticed that there are still some items reporting on my consumer reporting inaccuracies Wiith my student loans Please see the following accounts below : US. Dept of Education account # XXXX - Balance - {$8.00} - Status- ( Paid ) U.S. Dept of Education account # XXXX - Balance - {$2.00} - Status - ( Paid ) US . Dept of Education account # XXXX - Balance - {$12.00} - Status - ( Paid ) U.S. Dept of Education account # XXXX -Balance - {$2.00} - status ( Paid ) There are three other XXXX  loans where are reporting inaccuracies as well. 

Please see supporting documents
Product: Debt collection

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX TER, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT THE BUREAU Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious THE BUREAU I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX TER, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Around last XXXX after being released from hospital I Was Victim of Identity Theft.. Accounts were Not Authorized By Me & Are Fraudulent. I sent all three credit bureaus certified letter via United States Postal service. Enclosed in that letter was the following information : Copy of identification : Copy of correct address : Copy of utility bill : Request To update correct address : Request To delete multiple names : Request to remove fraud statement to contact None Were acknowledged ....

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( C ) No address requirement ( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

In XXXX of XXXX  I was notified by XXXX XXXX that there was an account in my name that needed attention. I suddenly had a account from some company in Texas for over {$1600.00} in collections. I have had my identity stolen in the past and made poor finical choices so I had filled for bankruptcy and use credit karma to keep track of everything. 
As soon as I found this account, I called the company to find out more information. I started the steps online to report the identity theft, I have placed a freeze all al my credits around as well as marked my account as fraudulent activity is taking place. 
I was directed by just energy that I would need to make a police report and get them that. So I started that process. Once obtained, I then sent a message asking where to send this information. 
No collection agency has reached out as I don't think they have my information, and I will not reach out. 
Just energy asked me to complete this step and sumbit it to them in addition to the other documentation I babe submitted. 
I have also attached the police report obtained.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX 9. XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX NA XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. IR/NAF XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX BANK on XX/XX/XXXX under account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Identity theft has severely impacted my credit report, with unauthorized accounts appearing without my written consent or signature. Having already contacted your organization about this issue, I am formally demanding the immediate removal and blocking of these fraudulent accounts from my report. These unauthorized entries have not only caused me significant XXXX XXXX  but have also created substantial financial hardship by preventing me from achieving crucial life goals like homeownership and properly providing for my family 's needs.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 
My SSN # XXXX. Date of Birth is XX/XX/XXXX 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze.

I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

my data was breached twice once thru equifax and XXXX XXXX.and i believe and someone hacked into my phone and is impersonating me. i filed a report last nite in regards to my bank. they took my acct over including my debit card. put it on XXXX pay publicly then put some lock on it so i cant get into it. when i looked at what i wrote to u last nite they changed it. also i filed an equifax claim for the data breach nevet heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I've been fighting these accounts for several months.
Product: Credit reporting or other personal consumer reports

NATIONAL CREDIT ADJUSTERS This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. NATIONAL CREDIT ADJUST Original creditor : XXXX XXXX XXXX XXXX. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( s ) .Furthermore, I have requested your method of verification and you have not complied, which is an additional violation. In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. I contacted the original creditor and they informed me that National Credit Adjust is not the company that XXXX XXXX sold the account to. The account was sold to XXXX XXXX then XXXX XXXX. Original documentation bearing my signature for this alleged debt was never presented. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA and FDCPA. Attached is the letter from the original creditor. Remove this account from my credit report within 3 days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX XXXX XXXX  are fraudulent inquiries that I did not authorize
Product: Mortgage

We applied for a mortgage with Wells Fargo last XXXX with XXXX XXXX. During the process, they sent out an appraisor, XXXX XXXX, who as per XXXX XXXX at Wells Fargo has been appraising homes in our area for over 20 years and is XXXX of the best in the area. XXXX XXXX assessed our home at XXXX. On the day we were supposed to close on the initial application, XXXX XXXX, our agent at the time, sent me a text message stating that they would not be able to do it until they did another appraisal. Another appraiser came to our home for approximately 10 minutes. During this time, she neglected to go through the entire house - including our XXXX square foot basement which includes a second kitchen, sauna, XXXX bathrooms, bedroom, excercise room, office, living room and leisure room. She was extremely rude and obnoxious to my wife and left after looking at a small portion of the house. She then appraised the house for XXXX, citing things about the house that were factually inaccurate. We recently attempted to refinance again with a different agent, XXXX explained to me that they could use the original appraisal of XXXX and the only thing required was that the appraiser XXXX XXXX XXXX XXXX return to the home ( it was in construction during initial appraisal, XXXX to confirm that the home had not reduced in value. The appraiser did so, and we received a copy of her report stating that the home was in fact worth XXXX and that it had not reduced in value. We submitted all required paperwork and were preparing to close when XXXX XXXX informed me that they would not be able to do the loan in that amount due to a second appraisal, which did not happen as we were never contacted nor visited by an appraiser. I asked why they were using that value, based on the incomplete, therefore inaccurate appraisal, over the more thourough appraisal ( again, completed by XXXX of the most relable, accurate appraisors in the area as per XXXX XXXX XXXX. ) She said she did n't know and recommended I escalate the question, which I did. I received a phone call on XXXX at approximately XXXX from a XXXX XXXX, who can be reached at XXXX XXXX. XXXX XXXX explained to me that they determined the lessor amount was more accurate. I asked him who came to that determination and he explained that it was done by a vendor and that it is therefore out of Wells Fargo 's hands. I asked him for the name and contact information of the vendor who came to that determination and he said he did not have that information. I asked him to get me the information by XXXX on XXXX. I stated that if I was not given that information by that time, I would be contacting my attorney, which I plan to do. Thank you for your time
Product: Debt collection

This debt was for my son who went to the emergency room for an issue he was XXXX yrs old. They billed me for his account when he was legal age and on his own. I was not even there when he was treated. How am I responsible.
Product: Money transfer, virtual currency, or money service

I sent an international money transfer online through western union app on XX/XX/2020. Transaction number is XXXX. I paid {$400.00} plus fees using my bank debit card. The app stated that the transaction is under review and should be available to sender within 2 hours. But after 4 hours. the transaction was never processed, so I called Western Union customer service who asked me to email a copy of my ID so they can process the transaction as soon as possible. I sent my ID, and all they did is sending me an email assuring me my money is under " secure hold ''. I thought I did a mistake while reviewing the transaction online because there is " review and resend '' tab under my transaction number, which I clicked. This triggered another withdrawal of {$400.00} plus fees from my bank. I called within 30 minutes to cancel the second transaction according to Western Union policy, but they refused to cancel. After so many calls with them, and being put on hold indefinitely I asked to cancel both transactions and refund me. They sent an email stating they were unable to refund. They provided no reason. That means that they can hold my money for a long time. They have no reason or right to refuse to refund me. I'm asking for a refund, and I guess they hold customers ' money for as long as possible to gain some interest.