23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

PLEASE HAVE THE FOLLOWING accounts deleted due it was someone else name put on my credit XXXX XXXX is NOT MY NAME and her account was on my credit. 
Please delete the following accounts immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply
Product: Credit reporting or other personal consumer reports

Credit Acceptance reported on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX andn XXXX, XX/XX/XXXX report to XXXX, XXXX, XXXX without consent Violation of 15 U.S.C. 1681 Section 602 : This section of the FCRA emphasizes the importance of accuracy and fairness in credit reporting. The late payment entries on my credit report are inaccurate and do not reflect my true payment history.

Violation of 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : This section specifies the permissible purposes for which a consumer report may be furnished. The presence of these erroneous late payments on my credit report does not serve a permissible purpose and unjustly harms my creditworthiness.

Violation of 15 U.S.C. 1666b : This section relates to billing errors and the obligation of creditors to correct such errors. The late payments reported are erroneous, and the creditors have not fulfilled their obligation to correct these inaccuracies. 

In accordance with the Fair Credit Reporting Act, I am requesting that you investigate these matters and remove the inaccurate late payment entries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the 4th straight month MoneyLion has inaccurately reported my account as late to all three credit bureaus ( XXXX  XXXX  XXXX  ) each month a investigation is launched and is found that MoneyLion has yet again reported inaccurate information ( and each time they admit and apologize for the inaccurate information ) but this time they have decided that they were going to report the month of XXXX as late even though that it was NEVER late and was never reported as late until XXXX ( again was already reported as paid on time and current to credit bureaus until XXXX ) this is VERY inaccurate as I have never missed a payment
Product: Money transfer, virtual currency, or money service

I would like to be reimbursed, I would like a refund of the reported transaction.
Product: Credit card or prepaid card

I made a payment to my Bank of America small business account on XX/XX/2021 for XXXX . The money was drawn from my account the same day and applied to my balance the same day. It is XX/XX/XXXX today and they will not update my available balance allowing me the credit I paid for. I spoke with XXXX XXXX who stated they can hold my money for 3-5 business days which I believe is terrible to do to a small business and being they took my money out of my account on XX/XX/2021. I believe they are being unethical and punishing people by holding there money and releasing the credit when they feel like it. Please do something about this to help other small businesses in the future. In todays day in age sending money via XXXX or other platforms is instant and it is hogwash that they can hold my money and credit limit down for 7+ days. 

Thank you
Product: Debt collection

I have XXXX of the exact same debts reporting on my credit report. Same account, Same amount owed, same debt agency, same date of service, same account number, etc. I did an online dispute and they came back verified, however they are the exact same debt and should not be on my credit report twice. You can see in the attachment that they are the exact same debts and they were " verified '' although they should not both be on my credit report.
Product: Vehicle loan or lease

I have had lot of medical issue s and had my girlfriend paying bills that come to mind out wasn't and now that I know about called Harley Davidson financial and asked to refinance or to work something out they refuse they have called late at night and called other family members disclosing my information with out my consent been threatened by them the third party finance recover people and repo guy threats of haveing me put in jail. And I traded and put money down on bike and paid for warranty that was worthless and after all that the total was supposed to be around 11000 now they say I owe them XXXX and change the bike is garbage hasn't ran right it's junk and they knew that I wanted a different bike they pressured me into this said they couldn't fiance that one should have known then it wasn't right but I'm pretty sure they have broken over 4 laws and refuse to do anything or compromise.at the least they should have to remove this from my credit don't know why they would even want it back not running I'm guessing so they can sale for XXXX dollars and come after me for the rest think not. Any help y'all can provide will be appreciated thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXX, and Experion 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, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the attached report. I am a victim of identity theft and did not make these charges. This is an ongoing issue that is affecting my credit health. I ask that the items be deleted as fast as possible 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
15 U.S. Code 1681c2 a consumer reporting agency shall block 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 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should NOT be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 
Fraudulent & Harmful / Negative Accounts XXXX - Account # : XXXX Account Opened : XX/XX/XXXX LATE PAYMENTS REPORTING XXXX Account # : XXXX Account Opened : XX/XX/XXXX LATE PAYMENTS REPORTING XXXX XXXX - Account # : XXXX Account Opened : XX/XX/XXXX Balance Reported : {$5700.00} CONTINUED ON NEXT PAGE XXXX - Account # : XXXX Account Opened : XX/XX/XXXX Balance Reported : {$3000.00} XXXX XXXX XXXX - Account XXXX XXXX XXXX Account Opened : XX/XX/XXXX Balance Reported : {$3200.00} XXXX XXXX - Account # : XXXX Account Opened : XX/XX/XXXX Balance Reported : {$3000.00} XXXX - Account # : XXXX Account Opened XXXX XX/XX/XXXX Balance Reported : {$1400.00} XXXX XXXX - Account # : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$1500.00} XXXX XXXX  - Account # : XXXX Date Opened : XX/XX/XXXX Balance Reported XXXX {$2500.00} UNAUTHORIZED INQUIRIES CONTINUED. 
Inquiry Name - XXXX XXXX XXXX XXXX Inquiry Date - XX/XX/XXXX XXXX Inquiry Name - XXXX XXXX XXXX Inquiry Date - XX/XX/XXXX XXXX XXXX Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date - XX/XX/XXXX Experian Inquiry Name - XXXX XXXX  XXXX and Loan Companies Inquiry Date - XX/XX/XXXX Experian Inquiry Name - XXXX Auto Reseller Inquiry Date - XX/XX/XXXX Experian XXXX Name - XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date - XX/XX/XXXX Experian
Product: Credit reporting or other personal consumer reports

Inquiry date : XXXX XXXX XX/XX/XXXX and XX/XX/XXXX Inquiry date : XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiry date : XXXXXXXX XXXX XX/XX/XXXX Inquiry date : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiry date : XXXX XXXX XX/XX/XXXX XXXX date : XXXX XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX Inquiry date : XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I also ask these creditors several times to removed unknow reported addresses, and unknow reported names used.

These are unauthorized inquiries on my credit report that I did not authorize these companies to run my credit, someone used my information. I have been a victim of identity theft and this is fraud. I have sent a few rounds of dispute letters in XX/XX/XXXX and no response and still to today my identity is being used. Last year XXXX I had to file for bankruptcy, this is ruining my life.
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
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I am involved with the class action lawsuit against Wells Fargo regarding being wrongfully charged a higher rate or additional fees on an auto loan. 

I had an auto loan with Wells Fargo Bank between the years XXXX and XXXX and I think I may have been impacted.
Product: Debt collection

Portfolio continues to call me all day every day. They have called my employer, family and friends and have shared my information. They have threatened me many times. I have blocked them and they just call from a different number. I have asked them to stop many many times. There is no reasoning with them.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my right
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a cease and desist against portfolio recovery associates for defaming my character on my consumer report. Cease and desist communication means communication across all mediums. My consumer report is a medium and your company communicating information about my debt is a violation of a cease and desist order. Also, your company claims I am a customer of yours. Please provide a copy of a certified letter that proves I received communication from your company within 5 days of your company reporting anything without my written consent or permission. Your purchasing of an account does not make me a customer of yours. That is a lie and a direct violation of my right to privacy. Failure to cease communication will result in legal action being taken.
Product: Mortgage

When Hurricane Irma tracked through Florida in 2017 we had damage to our property where we reached out to the servicer Roundpoint for assistance for one payment to help pay for repairs that insurance did not cover, they advised area has been designated by FEMA and they were offering assistance for impacted borrowers. 
We were advised there would be no negative impact with any credit bureau reporting and no fees and account was placed in a Forbearance status. 
We completed the trial payments and accepted modified terms. 
The account did report to the credit bureau late but was later corrected by the servicer. 
The complaint I have is the loan level advance fee for {$15.00} that was charged from the property inspection that was ordered from the modification. 
Our area was a FEMA designated disaster area, Roundpoint advised no fees while account was in Forbearance status. 
I have tried twice to have fee waived, they said would escalate to their appropriate department for review and still no adjustment. 
Other than the assistance I asked for from Roundpoint, I have never been late with a mortgage payment, they would not waive for even customer first I have no confidence with Roundpoint to further assist me with matter
Product: Credit reporting, credit repair services, or other personal consumer reports

My idenity has been compromised and now looking at my credit file, I see a lot of accounts on there thats unfamiliar, unknown and unauthorized by me. So these following accounts are fraudently placed on my report. Im demanding these accounts be removed immediately.

1. XXXX XXXX XXXX {$170.00} 2. XXXX XXXX XXXX {$170.00} 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2100.00} 5. XXXX XXXX {$2100.00} 6. XXXX XXXXd {$790.00} 7. XXXX {$180.00} 8. XXXX {$370.00} 9. XXXX XXXX XXXX {$800.00} 10. XXXX XXXX {$710.00} 11. XXXX XXXX {$2100.00}
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea how it got there. I check my credit report regularly, but this time, unexpected discrepancies appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the unauthorized inquiry remained. This issue is extremely frustrating, and I demand that the documents I have submitted be reviewed thoroughly so I can finally put this worry behind me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX with my credit monitoring company or with the bank involved. In fact, my credit monitoring company XXXX XXXX XXXX ) picked up and alerted me to an attempt to open an account in my name at a bank ( Wells Fargo ) which with I have no prior or current relationship. I have spoken to Wells Fargo and they have " frozen the attempt '' - they have been helpful and responsive. I have also frozen my credit bureau reports ( XXXX, XXXX, XXXX ) on line and the fraud team from XXXX XXXX is apparently also to follow-up on this. So I actually have no complaint but was advised to report this occurrence to the CFPB since it appears to be an example of attempted identity theft
Product: Credit reporting 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. 

Account Name : XXXX XXXX CO Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion. XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 10. XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX 15. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 16. XXXX XXXX XXXXXX/XX/XXXX 17. XXXX XX/XX/XXXX 18. XXXX XXXXXX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX XXXX XXXX XXXX XX/XX/XXXX 21. XXXX XX/XX/XXXX 22. XXXX XXXX XX/XX/XXXX 23. XXXX  XX/XX/XXXX 24. XXXX XXXX XXXX XX/XX/XXXX 25. XXXX XXXX XX/XX/XXXX 26. XXXX XXXX XXXX XX/XX/XXXX 27. XXXX XXXXXX/XX/XXXX 28. XXXX XXXX XXXX XX/XX/XXXX 29. XXXX XXXX XXXX XX/XX/XXXX 30. XXXX XX/XX/XXXX 31. XXXX XXXX XXXXXXXX XX/XX/XXXX 32 . XXXX XXXX XXXX XXXXXX/XX/XXXX 33. XXXX CRED XX/XX/XXXX 34. CREDIT XXXX XXXX XX/XX/XXXX 35. XXXX XXXX XXXX XX/XX/XXXX 36. XXXX XXXXXX/XX/XXXX 37. XXXX XX/XX/XXXX 38. XXXX XXXX XX/XX/XXXX 39. XXXX XXXX XXXX XX/XX/XXXX 40. XXXX XXXX XXXX XX/XX/XXXX 41. XXXX XXXX XX/XX/XXXX 42. XXXX XXXX XXXX XX/XX/XXXX 43. XXXX XXXX XXXX  XX/XX/XXXX 44. XXXX XX/XX/XXXX 45. XXXX XXXX XX/XX/XXXX 46. XXXX XXXX XX/XX/XXXX XXXX : 1. XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX  XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX XXXXXX/XX/XXXX 10. XXXX XXXX  XX/XX/XXXX 11. XXXX XX/XX/XXXX TRANSUNION : 1. XXXX XXXXXX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX  XX/XX/XXXX 7. XXXX  XXXX XX/XX/XXXX 8. XXXX FA XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXXXXXX XXXX XX/XX/XXXX 12. XXXX  XXXX XX/XX/XXXX 13. XXXX XX/XX/XXXX 14. XXXX XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XX/XX/XXXX 19. XXXX XXXX XX/XX/XXXX 20. XXXX  XXXX  XX/XX/XXXX 21 . XXXX XXXX XX/XX/XXXX 22. XXXX XXXX XX/XX/XXXX 23. XXXX XXXX XX/XX/XXXX 24. XXXX XXXX XXXX XXXXXX/XX/XXXX 25. XXXX XXXX XXXX XX/XX/XXXX 26. XXXX XXXX XX/XX/XXXX 27. XXXX XXXX XXXXXX/XX/XXXX 28. XXXX XX/XX/XXXX 29. XXXX  XXXX XX/XX/XXXX 30. XXXX XX/XX/XXXX 31. XXXX XXXX XX/XX/XXXX 32. XXXX XXXX - XX/XX/XXXX 33. XXXX  XXXX XX/XX/XXXX 34. XXXX XX/XX/XXXX 35. XXXX XXXX XXXX XX/XX/XXXX 36. XXXX XX/XX/XXXX 37. XXXX XX/XX/XXXX
Product: Debt collection

Divulge information to someone I do not even know about my debt. This person is not listed on any of my references. Ally Financial used a 3rd party search engine on my fiancee and called numbers associated with her last name until they tried to track down someone that new her and told this individual that they did n't want her but me for a debt I owed them. She is not a applicant on the loan so why are they harassing people who I do n't know and do n't have permission to share information about me with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a request on XX/XX/20 requesting method of verification for 3 accounts. I have attached the letter as well. I have not received any documentation or response at all. the following accounts that was : XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account They have not sent any type of response to my request. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in your file at the time of the request concerning the accounts that they are reporting on my credit report.