23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report. I noticed credit inquiries that I did not authorize, and they are a result of identity theft, made by the following companies : XXXX 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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This violates the Fair Credit Reporting Act Section 1681b ( c ) and is a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that 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.

I have attached an FTC Report. Please remove these inquiries from all credit bureaus.
Product: Debt collection

LVNV FUNDING LLC has been constantly Harassing me non stop, even after I notified them of the Identity Theft case and the on going Fraud issues. They have told me they will delete the false account and stop reporting to the Credit Bureaus, XX/XX/year> I have been notified of a huge decrease in my credit Due to this company lying. I feel like Im being Played with and toyed with Purposely. They have repeatedly claimed they no longer own the false account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I found a number of mistakes on my credit report and i contacted TransUnion in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix this issues, this is a clear violation of my consumer rights.
Product: Debt collection

It is essential that CFPB XXXX XXXX. : XXXX be reopened and finally disposed of as requested in this Complaint. 
On or about XX/XX/2022 in compliance with the applicable provisions of the FDCPA, a conference call was convened by XXXX XXXX, PoA for the alleged debtor, XXXX XXXX XXXX, XXXX XXXX and Credit Control Corp ( CCC ), represented by Collection Agent identified as XXXX. 
That telephone conference call was documented by letter dated XX/XX/2022 that was delivered to CCC via facsimile provided by XXXX as well as USPS Certified and Regular Mail. 
The XX/XX/2022 communication was one of several attempts by us to obtain adequate validation from CCC all efforts were non-responsive. 
During the XX/XX/2022 verbal and written communications, CCC was only able to verify that they had a record of the alleged claims ; however, were unable to provide any of the information required to validate the debts claimed to be due. In fact, several of the debts were identified as owned or claimed to be due CCC directly as creditor. This has never been contested by CCC. 
Finally, following numerous attempts to obtain the FDPCA described validation, CCC responded that they have finally imposed a cease and desist contact and also admitted their inability to locate accounts. 
It is noteworthy that considering the exposed recordkeeping flaws with CCCs operations, there could be other to date unreported debts. XXXX alluded to that possibility during the XX/XX/2022 conference call and as documented in the latter of that date. 
As of this writing, CCC has failed to provide the requested information, not even that expected to be included in a bare account and has far exceeded the statute of limitations of collectability as provided in the FDCPA.
Product: Credit reporting

They will not even talk to me because there is stuff on my report that i can not answer The person even admitted they do not check the stuff they put on my report how can i fix this if i can not despite it
Product: Credit reporting or other personal consumer reports

I did not authorize these activities, and I've taken steps to address the issue, including filing a report with the Federal Trade Commission ( FTC ).
Product: Credit reporting, credit repair services, or other personal consumer reports

please add missing from report : fcra violations XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/AMAZON PLCC
Product: Checking or savings account

Back in XXXX of XXXX  I rented a car thru XXXX XXXX Upon trying to pick up this vehicle I was informed they do not rent to Ga residents. So I informed XXXX XXXX  about this in which was stationed in XXXX and they laughed about it. I contacted my bank Wells Fargo about this and my money was refunded back to me. Now Wells Fargo is pulling out the XXXX dollars because they said XXXX XXXX sent them the terms and conditions and that since I was late picking car up they wanted there money. The man with XXXX XXXX  said he could not leave the car keys in there lock box because I'm a GA resident. I explained to Wells Fargo numerous times to please contact XXXXXXXX XXXX XXXX  and even go on there website and they will see they do not rent to GA residents. So Wells told me they would not reopen my case and they will be pulling the funds back out of my account. This is fraud at this point. I could not get this vehicle with a GA drivers license and Wells Fargo will not do anything further to help me resolve this and hold XXXX XXXX XXXXXXXX responsible. I receive XXXX benefits and I can't afford to be ripped off by my bank because they refuse to handle this case responsibly. Please help...
Product: Credit reporting or other personal consumer reports

Im 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 is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has not updated my XXXX XXXX credit card balance as XXXX for 3 months now
Product: Debt collection

Midwest recovery Systems is claiming I owe XXXX XXXX XXXX {$580.00} and I live in XXXX XXXX. They said it would go away if I paid it in full and did not give me information about how I can dispute it they also said it was from XXXX which is over 7 years ago. This needs to be removed immediately as they placed this on my credit on XX/XX/XXXX and I have always had full-coverage insurance so there is no way I would have a medical debt such as this.
Product: Credit reporting or other personal consumer reports

I've been filing complaints against Experian over the past several months about sharing my information publicly without my consent. I have sent them instructions on what I wanted removed from the company 's database and the the information that is negatively affecting my consumer report and they have yet to fix the issue. I have been applying for extensions of credit from financial institutions and getting denied because of negative information being received from Experian. Experian has a grave responsibility to the consumer and the banking system to report fair and accurate information and with the consumer 's consent. This will be my last complaint before I take legal action.
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 to remove off my credit report 15 u.s.c 1681 sections 602 A state I have the right to privacy. 15 u.s.c section 604 A sections for 2 : it state a consumer report agency cant report with out my writing permission. 15 u.s.c 1681s-2 ( a ) ( 1 ) a person shouldnt report anything to a report agency if information not accurate or right. 15 u.s.c 1681c ( a ) ( 5 ) no consumer report agency may report containing any of these items any advice information past 7 ur
Product: Credit reporting or other personal consumer reports

( NAME ), ( SSN ), ( DOB ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Incorrect Name - XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX CO - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Had chase card for many years. Then I had an enormous amount of unknown, unauthorized charges. They pretended to help me. took a few off but didn't really affect the large amount of fraud they were allowing. I asked for the card to be cut off. I paid it off and did not activate the new card. They sent me a new card. However they continued to allow charges to the old card, no matter how much I complained. So I stopped paying.
Product: Debt collection

On XX/XX/2018 WINDHAM PROFESSIONALS reported to my credit report a balance owed of over {$6000.00}. The balance is in question is currently being serviced by the original lender on a payment plan, and the balance was actually {$5600.00}. This agency falsely retorted an incorrect balance on my credit report, and is not even the debt owner.
Product: Debt collection

i have been disputing a XXXX  bad debt added to ann account I paid off with foster & garbus since XX/XX/2019. 

They refuse to speak to me or email me yet are garnishing my paycheck.
Product: Credit reporting, credit repair services, or other personal consumer reports

We i was a victim of false certification for a loan by XXXX XXXX XXXX XXXX. 
Which XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Found the school wrong XX/XX/2018 and Discharged my and issue a refund .Also requested that it be removed for my credit reports .. Now Edfinancial service was the load serving company, Which also reported to my report .Sent me letter on XX/XX/18 that they will HONOR the XXXX XXXX XXXX XXXX ruling and will remove the loan from my credit report. 

I recieved a letter on XX/XX/2018 from EDfinancial Service stating that there reporting is accurated .But in there letter date XX/XX/2018 states the checked with the XXXXXXXX XXXX XXXX XXXX .. Which the load was false and need to be removed.. I have contact them twice about this matter ..
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA VIOLATION ON THE ACCOUNT THAT NEVER LATE. 
CRA VIOLATION / NO KNOWLEDGE / TOO MANY INQUIRIES ON THE CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I am concerned with what I am seeing on my credit report. I am not sure what is correct and would like all these items to be verified and to make sure they are 100 % accurate.
Product: Credit reporting or other personal consumer reports

I applied for an auto loan at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) and was told that I was applying for financing through them. A few weeks later, checked my credit report and noticed SEVERAl hard inquiries on my report that I did not authorize. My information was being ran through a lender database without my permission. I want these hard inquiries removed. I did not authorize these companies to use my information and this is against the fair credit reporting act.

I have also filed an identify theft report. 

The following hard inquires were not authorized or approved otherwise with my signature or verbal approval : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The credit reporting time limit has expired and Transworld Sytems Inc., has illegally re-aged the account. My disputed credit report reflects that the account was opened on XX/XX/XXXX. 

The actual date of first delinquency is approximately XX/XX/XXXX. The last date of activity on the account is approximately XX/XX/XXXX. 

XXXXXXXX XXXX XXXX is the original debt collector.
Product: Debt collection

On both XX/XX/XXXX, and XX/XX/XXXX I informed ProCollect that I was not responsible for the debt as I had been removed from the lease on XX/XX/XXXX and a new lease was signed at that time leaving just the roommate that was on original lease. When the roommate vacated the premises on XX/XX/XXXX there were additional charges left to pay. Seeing as I was not on the most current lease, I am not responsible for the debt owed. I contacted the original creditor, the property, and the debt collector to resolve the issue and have been told that my name can not be removed by the creditor, the debt collector stated they verified the debt is mine, and the property manager told me I would need to provide the attached roommate release form to both to have my name removed. This has still not been resolved and I am being told by the debt collector that it is my debt and I need to pay it immediately.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or wholly updated : XXXX XXXX XXXX XXXX XXXX XXXX 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

I have attached an FTC report with an account and inquiries I did not authorize
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I requested an itemized statement of the debt and a 1099C. I never received this information and Instead, the company reported me to XXXX for Account Abuse for money they charged off. I have every right to get a 1099C from these people. Furthermore, I was denied when trying to open a credit card with XXXX today because of this intentionally damaging reporting.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for their failure to respond to dispute letters that I mailed on XX/XX/XXXX, and XX/XX/XXXX. In these letters, I requested investigations into inaccurate items on my credit report, including entries for XXXX XXXX XXXX IL XXXX XXXX, XX/XX/XXXX - XX/XX/XXXX inquiry, and incorrect names and addresses. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a reasonable reinvestigation when the completeness or accuracy of any information is disputed by the consumer. However, I did not receive any response from Equifax with investigation results, despite mailing two separate dispute letters. 

Enclosed with this complaint are copies of the dispute letters I sent to Equifax, serving as evidence of my attempt to address inaccuracies in my credit report and Equifax 's failure to conduct a proper investigation.
Product: Credit card

I applied for a Commenity Bank/XXXXVISA balance transfer on XX/XX/2017 for {$6100.00} to my XXXX XXXX account. Commenity Bank/XXXXVISA charged my account the {$6100.00} plus a transfer fee immediately but till this date has not made the balance transfer. I have called them on so many occasions. I have heard stories from Commenity Bank/XXXXVISA that the transfer takes up to 60 day to just recently, the check for the transfer was sent out and cashed. My XXXX XXXX account still has not received any transfer. Now I have the amount of the balance transfer showing up as additional debt on my credit report which has negatively affected it and I 'm paying for a transfer that was never made. I already told them I do n't want the transfer anymore. Please help.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX  me he said he is a car dealer and I wanted to buy a XXXX XXXX  from him but fortunately, he is a scammer and I transfer the {$8000.00} to his XXXX XXXX XXXX account from my XXXX XXXX XXXX refuse to give me back the money since its not going to provide the car I complained to my bank that XXXX XXXX is a fraudster that I want to cancel the transaction I make to his account my bank refused to cancel that transaction and refund me my moneyXXXX  XXXX also bank with XXXX XXXX, He scam me and the money is in his account but the refuse to reverse the money to me please I will like look into my situation
Product: Debt collection

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Product: Mortgage

In Nov/Dec of XXXXXXXX XXXX XXXX XXXX sold my fraudulent FHA mortgage XXXX XXXX. ( seller hid major defects/appraisal fraud ) Despite paying for XXXX XXXX taxes during closing ( XX/XX/XXXX ), XXXX paid them again later in XXXX, which caused a shortage in my Escrow account. This amount of {$1300.00} still has not been returned to my account despite reaching out for guidance more than once almost 1 year ago. This shortage, along with the reasons listed above, caused me to experience financial hardship and I was in fear of not being able to make my payments. In XXXX before missing any payments I reached out to get assistance. I did not receive any options until after I missed XXXX & XXXX payments. This has caused additional financial harm as well as harm to my credit. More recently, in XXXX of XXXX, XXXX failed to pay my Homeowners Insurance renewal, despite me paying funds into my escrow for this very reason. Instead, there is now forced-placed insurance on the home. When I reached out to my insurance company, I was informed that my home is not eligible for insurance due to the unsafe conditions of the home. This is directly related to the fraudulent actions mentioned above. There are structural, mold, and rodent issues in the home which I have exhausted every resource imaginable to try to address. At the very least, I request my Escrow account be reviewed, payments applied correctly, and some action is taken to get the proper insurance back on my home to ensure my personal belongings and family are properly insured.
Product: Bank account or service

On XXXX {$1200.00} was transferred out of my Wells XXXX checking acct illegally, without my authorization. It was deemed bank fraud by Wells Fargo. They have admitted that fraud occured on my acct. 
Wells Fargo still has not refunded me the {$1200.00}. I call every day and they tell me that " the credit was given to you, but you ca n't see it online. '' My balance does not reflect {$1200.00} being refunded in my acct. Wells Fargo is corrupt. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 15 U.S. Code $ 1681c-2 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 IMMEDIATELY!

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!
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The file reported is inaccurate and erroneous and is leading to a negative impact on my file. 
3 credit bureaus are required to authenticate this account under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below ; XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/22 Balance : {$0.00}. I respectfully request that 3 credit bureaus would take a step to update that wrong information from my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By submitting this complaint, the Credit Bureaus must comply with my request either by proving that the information is accurate or remove the actions of their bureau.