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

15 USC 1681 Sec. 604. 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 instructions of the consumer to whom it relates. 

I also do not have a contract with the following : XXXX XXXX XXXX DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not liable for this debt, also they did not provide me with the original application with a wet-ink signature under penalty of perjury of someone with knowledge of the matters attested to. 

Also under 15 USC 1681 Section 602 A I have the right to privacy. 

I never authorized these accounts to be reported on any of my consumer reports. They have violated numerous laws reporting these inaccurate accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX regarding my late payments twice told them the late payments they are reporting is reporting different numbers to all 3 credit bureus one bureu show XXXX missed payments then at another bureu it is reporting XXXX I will like for issue to be resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked LexisNexis to verify the information they're reporting on my report. On XX/XX/2023 I received a letter saying everything was verified. 

I still found inaccuracies between the public record information and the information they're reporting. 

They're reporting incorrect information and claiming that it is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX  Balance : {$17000.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXXXXXX XXXX Balance XXXX {$32.00} XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

I was checking my credit score and found a collections document : CREDIT SYSTEMS Last reported XX/XX/2023 {$1100.00} Open balance XXXX XXXX Original creditor This is an energy company in Texas, I am located in Arizona, and I have never opened an account with this company. I called the company on XXXX, and they claimed they could not find my information. 
Upon further investigation on my behalf, I came across an email from XXXX denying a personal loan. The letter reads as follows : Dear XXXX XXXX Thank you for your interest in XXXXXXXX XXXX XXXX. 

To ensure you're always informed, we're writing to let you know that we could not approve your loan request at this time because : COLLECTION TOO FEW ACCOUNTS IN CURRENT STATUS DEROGATORY PUBLIC RECORD OR COLLECTION FILED Keep in mind, your credit score will not be impacted by your request since we used a soft credit inquiry to check your eligibility. 

If you have any questions regarding this letter, write to XXXX XXXX, issuer of the XXXX XXXX XXXX, at XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. Please include your name, address and application number XXXX. 


Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I had not received a bill when expected for my XXXX Visa Card issued by Barclays Bank Delaware ( Barclays ) of XXXX. XXXX XXXX, XXXX, Delaware, XXXX, so I promptly sent them a written correspondence on XXXX XX/XX/XXXX. A normal response should have been the issuing of a billing statement. Instead, they sent me a XXXX XX/XX/XXXX letter with the blatant fabrication " We called you several times to discuss your concern, but were unable to reach you. '' In reality, I never received a single phone call as it would have been registered under " Recents '' upon my XXXX XXXX XXXX. Finally, quite belatedly, they sent me a XX/XX/XXXX to XX/XX/XXXX Statement with the unrealistic Payment Due Date of XX/XX/XXXX that had to be received at their payment processing center 1,842-miles away ( a 27-hour drive ) located at XXXX. XXXX XXXX, XXXX XXXX XXXX, California, XXXX, that was not in my physical custody until XX/XX/XXXX for the remittance of {$33.00}. I immediately issued personal check # XXXX for {$35.00} and mailed it the next day before the XXXX pickup time. On XXXX XX/XX/XXXX, XXXX emailed me that " We received your XXXX Visa Card account payment and applied it to your credit card XX/XX/XXXX. '' XXXX XXXX XXXX ( Barclay Bank Delaware ) Then sent me a XX/XX/XXXX letter stating " The balance on your XXXX Visa Card amount is {$140.00} as of XX/XX/XXXX. Your next payment is due on XX/XX/XXXX, with a minimum payment due of {$27.00} '' that I was not in receipt of until XX/XX/XXXX. Conseqeuntly, I deducted the {$35.00} I've already disbursed and subsequently mailed them check # XXXX for {$100.00} to XXXX XXXX XXXX, California, on XX/XX/XXXX. Today ( XX/XX/XXXX ), I received my second XXXX Visa Card Statement for the XX/XX/XXXX to XX/XX/XXXX period with a new balance of {$170.00} ( of which only {$29.00} do I owe ) with an iniquitous {$27.00} Past Due charge even though it is clearly there direct fault my payment was " late. '' Please enforce the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX, Regulation Z, as Barclay Bank clearly has transgressed 226.5 ( b ) ( 2 ) ( ii ) known as the " 21-Day Rule for Delivery of Periodic Statements '' ( XXXX XXXX XXXX ). They have a flagrant disregard in assuring XXXX Americans have equal access to their services. I don't appreciate being segregated by this ableism company who has gross incompetency in ensuring timely issuance of credit card billing statements. Thank you for your help.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the account listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Account : XXXXXXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with 15 U.S.C. 1681i, I am disputing the accuracy of information reported on my credit file regarding a TD Auto account, which shows a missed payment for XX/XX/XXXX. This payment was made in full, and I am unable to retrieve additional receipts due to login issues. As per the statute, I request that this information be reinvestigated and deleted. 

Td auto allow me to make a payment in XX/XX/XXXX for {$410.00} XX/XX/XXXX i paid the remaining balance from XXXX and full payment for XXXX payment.
Product: Debt collection

TRANSWORLD SYSTEMS HAS FALSELY REPORTED TWO ACCOUNTS ON MY XXXX, XXXX AND XXXX CREDIT REPORTS WITHOUT PROPERLY NOTIFYING ME AT THE CORRECT ADDRESS OR WITHOUT PROPERLY GIVING ME DEBT VALIDATION. I SENT A TOTAL OF 6 LETTERS WITHIN A TOTAL OF 3 MONTHS BACK TO BACK AND TO NO AVAIL NO RESPONSE BACK TO ME. MY FDCPA AND FCRA RIGHTS HAVE BEEN VIOLATED AND I WANT THESE ACCOUNTS DELETED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX 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 do not recognize any of these companies and have not applied for credit at any of them!
Product: Bank account or service

XXXX issued a {$50.00} debit card to me. It expired XX/XX/XXXX and I would like it to be reissued to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXXXXXX XXXX  and Wells Fargo. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. The Account Opened is Wells Fargo Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}. The Account Opened is Wells Fargo Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed Experian small business that my file contained incorrect and wrong information. I submitted this 2 x in XXXX online with their reporting system to update the information. I sent a registered letter on XX/XX/XXXX to one of the incorrect accounts asking for verification. To this date there has been no verification. I informed Experian via phone call and then on XX/XX/XXXX I filed a formal complaint with Experian. BIN is XXXX. The case number is XXXX. It has been over 120 days that I have been trying to get Experian to correct simple information and they have taken no action. On the website it states that my case is still pending assignment to an agent. It has said this for over 60 days now. They have had ample time to deal with this and they continue to report incorrect and false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my TransUnion credit report from XXXX XXXX  vi for XX/XX/2020. That hard inquiry should not be on my credit report because Ive never walked into any of their branches and authorized them to do a hard pull on my credit report. I am hereby asking for that item to be deleted or removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0}.
Product: Credit reporting or other personal consumer reports

Based on the consumer protection law : 15 U.S. Code 1681e - Section XXXX  The following account # must be removed or updated as accurately as possible since it has discrepancies between the closing dates as well as the last payment date. 

This account also reports late payments where it is not the case, please update payments or remove from my report. 

It also shows a discrepancy in the status of charger off which is only reported in EXPERIAN. 

See attached
Product: Money transfer, virtual currency, or money service

I am a current victim that got their identity stolen through XXXX security breach that affected over 340 million people. I was applying for loans online. On XX/XX/17 One called me and I assumed it was because I applied to them and come to find out they found my info on the internet and offered a loan approval just have to verify checking account by them sending a TREASURY check to me and I needed to XXXX XXXX it back but XXXX XXXX was closed so bought {$850.00} XXXX cards with my debit card and pin to complete the transaction. On XX/XX/17 I looked on my online banking and saw that they did put that amount in and so swiped my credit card that Wells Fargo did not catch this security breach of my identity and allowed a card that technically had the amount in it by was not cashed yet. XXXX supports legal rights of the banking company to dispute all charged, fees, and loss of my personal money that was In their. Wells Fargo states it 's impossible for scammers to get my online banking login information, without me telling them! I have supported documents to prove that statement false by XXXX. I 've talked to many Wells Fargo reps, been in store with managers, made police report, made lawyer aware and still they refuse to budge. Stating that i did give the scammer my login information which is a accusation that is discriminating with no facts to support Wells Fargo Accusations. I had to call wells Fargo yo find out my account has been overreacted the amount that I saw was available. Also I did not know it was sent through my online banking because no alert was made and figured they wired it to my account, which is why I made sure the funds were in my checking that were authorized and to run my debit with pin knowing my card would n't go through if the check did n't because of having only {$200.00} in my checking at the time. They corrupted my credit score to retired and false work information that prevents me to get any other credit line since that 's what I needed in the beginning before I became more XXXX for lack of security attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX  account on my credit profile for Experian and XXXX for a secured loan I never took out that is paid in full. I have submitted Identity theft reports to XXXX and Experian both respectively but they fail to respond back to me with results of the investigation and have this account that doesn't belong to me still on my report. It is hurting my credit report because there is a XXXX day past due for XXXX XXXX payment but this is not my account and this is paid in full. I need XXXX XXXX with the Account # XXXX to be removed off my report
Product: Debt collection

I don't owe anything to ERC ( Original Creditor : XXXX XXXX ) with account number XXXX They should have confirmed this from the Original Creditor since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX BALANCE {$1000.00} XXXX XXXX XXXX XXXX XXXX BALANCE {$1400.00} XXXX XXXX XXXX XXXX XXXX - BALANCE {$16000.00} XXXX XXXX XXXX XXXX XXXX  - BALANCE {$1900.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX - BALANCE {$1900.00} XXXXXXXX XXXX XXXX XXXXXXXX - BALANCE {$490.00} XXXX XXXX XXXX - BALANCE {$9400.00} XXXX XXXX XXXXXXXX XXXX XXXX  - BALANCE {$7100.00} Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have been living in the XXXX for the past XXXX weeks and I aim to spend another XXXX here. rying I have been trying to withdraw euros with my PNC virtual wallet debit card, but I find the atm fees to be prohibitively expensive ( usually anywhere from XXXX euros ). I haven't authorized any charges to my debit card from atms. I have not checked my balance on an atm or withdrawn any money from an atm and refused all fees when attempting to withdraw euros. After checking a few atms over the past week I have noticed XXXX {$5.00} charges from my bank labeled " INTL Balance Inquiry ''. Both are dated XX/XX/2023. I hadn't authorized those fees, much less checked my balance on an atm ( why bother when I can do it on my phone for free ). 

I can't dispute the charges until after they post on my account. I am almost certain they will refuse to refund me, but I will still file a dispute with PNC. I am very sure this anti-consumer practice is very very very widespread though, considering how profitable it must be for the banks. It is like going to the store, asking how much an item is, and them charging you {$5.00} to ask the question. There was no indication on the atms I was approving the fees, to make no mention of the fact that I didn't check my balance on them in the first place.
Product: Debt collection

The company ( Collection Bureau of the Hudson Valley ) accepted funds to legally settle a debt ( XXXX XXXX ) but never provided information that the debt was settled. They never refunded me or the debt management company ( XXXX XXXX XXXX ) I was enrolled and working with. I would like for them to refund my money. My account was paid off by me in full. If they had actually completed the settlement when they received the funds my credit report could have been updated correctly for a long time prior to me paying the debt off in full. XXXX responded to me about the arrangements are as follows : XXXX XXXX - XXXX. And the rep confirmed the same Account Number to me as well. 

The settlement we had worked out with Collection Bureau of the Hudson Valley was for {$120.00} on the balance of {$240.00}. We paid off the amount in the manner as follows - {$62.00} on XXXX/XXXX/2013 -- Check By Phone payment. 
{$62.00} on XXXX/XXXX/2013 -- Check By Phone payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I filed a complaint against XXXX XXXX. I had settled a defaulted loan I had with the back in XXXX, but they had yet to update this account as resolved on my credit report yet. Today, I received a letter from XXXX XXXX, essentially stating that they have not updated my account yet, because I disputed it. Also, as of today, they are still reporting the account as unresolved on my credit report. 

For reference, I am attaching a copy of XXXX XXXX 's recent letter, and also a copy of my settlement and payment receipt from XXXX. 

First of all, XXXX XXXX 's claim that they can not report accurate information about my account because I disputed it is completely bogus. As is my right under the Fair Credit Reporting Act, I have the right to dispute anything that is inaccurate on my credit report. XXXX XXXX does not have to right to " punish me, '' simply because I wanted correct information reported. 

Also, they did n't even address the fact that they are still reporting incorrect information on my credit report, more than 3 month after-the-fact.
Product: Debt collection

I have debt that was sent to Omega RMS from XXXX XXXX. I entered a payment agreement with them online. During this process I switched bank accounts and asked for information on how to change over where my payments are automatically coming from. They stated they could not locate my settlement amount and offered an additional settlement plan for more money. I refused and stated I would like to honor the original settlement and just needed to update my payment information. They stated they could not locate the settlement agreement, therefor honor it. I then stated that I could send it back and they stated that was unnecessary. I asked them how they could lose my information and they did not have an answer. Since then, they have called me multiple times a day, every day, and still refuse to honor the original settlement. They call from several different numbers also.
Product: Credit reporting or other personal consumer reports

I requested that XXXX XXXX XXXX XXXX acct # XXXX XX/XX/15 be removed from my credit report. 1 ) account belonged to Husband XXXX XXXX XXXX 2 ) was included in bankruptcy and paid off. Account is old but keeps returning to my credit report.Remove account.
Product: Mortgage

Specialized Loan Servicing has attempted to foreclose on the proprietary lease and shares in a XXXX XXXX XXXX without a valid and enforceable security interest, and collect a discharged debt in violation of the discharge injunction in place in the XXXX XXXX of New York Bankruptcy Court case XXXX. XXXX XXXX XXXX has sold a debt and mortgage while subject to Loss Mitigation proceeding in the above mentioned case to avoid the implications of the pending Objection to XXXX 's MOTION FOR RELIEF, requesting sanctions and outlining XXXX 's violations of law.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS A PIECE OF XXXX FROM XXXX TO XXXX I WAS IN HOSPITAL FIGHTING FOR MY LIFE IWHT THE XXXX XXXX NAD THIS COMPANY IS MARKING MY PAYMENTS LATE WHEN THEY KNEW I WAS AFFEECTED DIRECTLY BY PANDEMEIC I DEMAND THESE ITEMS REPAIRED XX/XX/21 AND XX/XX/21 THESE PAYMENTS WERE AFFECTED BY PANDEMIC I SENT PROOF OF HOSPITALIZATION AND I SENT PROOF THAT I COULD NOT POSSIBLEY SPEAK OR WALK OR WORK IN ADDITION I PAID XXXX SO THESE XXXX NEED TO FIX IT THIS IS MY 9TH TIME COMPLAINING THEY IGNORE YOU AND THEY IGNORE ME I AM FINDING AN ATTORNEY TO SUE XXXX THEY ARE ALL XXXX  AND DO NOT CARE ABOUT CONSUMERS. THIS COMPANY IS FRAUDULENT IN ITS PRACTICIES AND NEEDS TO BE HELD ACCOUNTABLE. I DEMAND MY CREDIT REPORT FIXED THE CREDIT CARE ACT SAYS I CAN NOT BE PUNISHED FOR BEING SICK REMOVE ALL NEGS NOW ITS SUPPOSE TO REPORT ON TIME AS REQUIRED BY CARE ACT