23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Collection : MIDSTATE COLLECTION SOLU In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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!

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes 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: Debt collection

I am desperately looking for a fair solution. I am writing to you today regarding the following Transworld Systems accounts : 1 ) Account # XXXX, Date Opened in report : XX/XX/2014, Original Creditor XXXX XXXX XXXX XXXX, Balance {$100.00}. 

2 ) Account # XXXX Date Opened in report : XX/XX/2014, Original Creditor XXXX XXXX XXXX XXXX, Balance {$60.00}. 

This company is reporting false and erroneous information to the credit bureaus, and I am demanding both mentioned items to be removed from my reports. 

Please send the attached documents to Transworld Systems Inc. 

Thank you, CFPB.
Product: Checking or savings account

Somebody in Chicago got my social security number date of birth and open up a savings and a checking account with USAA I contacted them they told me to contact you to report it they closed the account and froze it I don't know what is going on someone has my information using it for their own purposes
Product: Payday loan, title loan, or personal loan

I bought this Laptop on XX/XX/2022 on XXXX and the Affirm company is paying for me and I have to reimburse Affirm with interest.I received a message from XXXX and XXXX to inform me that they didn't deliver this laptop because there is no one at my house to sign, the next day I received another message than thislaptop had delivered to my home, when I arrived at home don't saw nothing.I contacted XXXX and Affirm, they promised me they would open an investigation and After 3 day 's they will contact me, they never contact me.I contact them multiple times and they informed me that I have to wait. Few months later XXXX told me that I have to go and failed a police report and I did went ahead and proceeded by doing so and, contact the merchant again which is XXXX and they informed me that I have to get the police to called them the merchant and I informed the police officer about it and they told me that they dont call merchants, the merchant should be the one reaching out to them because the report that he wrote have all the contact information.After several months of struggle going back and forth between XXXX  and Affirm, XXXX told me to contact XXXX  and I did that but XXXX  told me it's too late I should do that before 90 days.Now Affirm has decided to send me to the credit collection department XXXX because I refused to continue pay this laptop which I never received.I can't pay for something I never received.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to c
ivil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached evidence : XXXX XXXX XXXXXX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XX/XX/year> This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit card

My XXXX  had a credit card with Wells Fargo. My XXXX  passed away XXXX. Wells Fargo filed a claim against the estate. In XXXX of XXXX  Wells Fargo called me and attempted to collect my XXXXXXXX XXXX debt from me. I told them I did not have an account with Wells Fargo. Wells Fargo had added my name to my XXXXXXXX XXXX account. They reported this on my credit report. The agent I spoke with said she would refer this to the fraud dept. About a month later I received a phone call from the fraud dept stating this account was fraud and they were sending me a letter stating such which they did. I am attempting to settle my XXXXXXXX XXXX  estate and asked for a letter from Wells Fargo stating the balance was XXXX due to the fraud. They referred me to the Executive Office who took all of the information and said they would contact me periodically to let me know what was going on with a deadline for a final response by XXXX. I never received any response at all. I called Wells Fargo back and spoke to a very rude person who stated basically they could do what they want to and did not have to give me a response in the timeframe they initially laid out. They are very deceptive, added my name to my XXXX  XXXX account, attempted to collect the debt from me and are refusing to followup on their own deadline.
Product: Debt collection

I keep getting phone calls and text messages from XXXX. They do not leave a message, but text message says it was XXXX XXXX  about collecting debt for an account with XXXX XXXX. I have never shopped there and don't wear glasses. I've gotten approximately 15 calls from them in the past week. I think someone must have given them my number or that they have my number by mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent correspondence to XXXX, Transunion and XXXX in regards to myself being a XXXX XXXX XXXX XXXX ( Trafficking Victims Protection Act, 22 U.S.C. 7101 et seq. ) Pursuant to 1022.142 ( e ) ( 1 ), these reporting agencies had XXXX days to comply and remove the items described in the correspondence sent. There has yet to be any corrections made by blocking harmful information and it is apparent that these companies XXXX, Transunion and XXXX are willfully and intentionally allowing my suffering to continue and are causing harm to me and my family. They are clearly in violation of XXXXderal Law, and as a Federally Protected Consumer I demand that actions be taken and corrections be made. This is not a matter to be taken lightly. It is the responsibility of the CFPB to enforce our rights as consumers and protect our interests. Please assist me in obtaining relief. I shall be reaching out to federal authorities and plan to request a full audit against these companies for being accomplices to my pain and suffering as I attempt to move forward with my life.
Product: Checking or savings account

I filed a complaint XX/XX/XXXX due to my account being frozen not being able to use funds I was able to call and speak to people even though they didnt help. XX/XX/XXXX and XX/XX/XXXX I tried calling and they said they couldnt complete the verification process to help me gain acsess back to my debit card and my mobile banking. I stated I wasnt able to verify with my phone number due to my phone being disconnected for non payment because they held my funds up for XXXX weeks. Then i dont have anything from in the mail with my account number I cant access my statement because everything is on the mobile app which they cut my access off too and they are not allowing me to activate my debit card so basically they are still holding my funds up. Even tho they stated my account is active and Im able to access my funds. Since I couldnt verify I was told to visit a branch by the rude customer service staff. They have my address on file they know I live in Michigan so now they are giving me the run around.
Product: Credit reporting or other personal consumer reports

XXXX is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate Information must be removed. These inquires has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. REMOVE NOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Huntington XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXXXXXX  I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXXXXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$1200.00} Balance updated XXXX XXXX XXXX  Credit limit {$1000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Line of Credit Payment summary XXXX XXXX XXXX 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  PAYMENT HISTORY LEGEND Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XXXX XXXX 
Status updated XX/XX/XXXX Past due amount {$1200.00} Highest balance {$1000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at consumer 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone number ( XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 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 results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Debt collection

Commercial Acceptance bought my SSN and DOB, ILLEGALLY FROM XXXX XXXX WITHOUTH MY KNOWLEDGE NOR CONSENT. AND THEN USED STOLEN MY PERSONAL IDENTITY TO PLACE A DEBT COLLECTION ON MY CONSUMER REPORT. FURTHERMORE, THEY SOLD MY PERSONAL IDENTITY IDENTIFIERS TO XXXX XXXX. THEY PURCHASED MY INFO BACK AND THEN PLACED THE SAME DEBT WITH MORE INTEREST ONTO MY CREDIT PROFILE. I WANT THE CFPB TO PROSECUTE COMMERCIAL ACCEPTANCE FOR VIOLATING UNFAIR PRACTICES IN COMMERCE AND FOR IDENTITY THEFT, AND SELLING MY IDENTITY to XXXX.
Product: Debt collection

I have sent SEVERAL VALIDATION requests to Online Information Services and it was never completed. They also stated in this recent letter they only verified the debt. I also asked not to send a photo copy of an old bill and that's what they sent anyway. I also have asked if they can't validate this debt to please remove from all affected credit reports. I never received VALIDATION or PROOF that I have a business contract with Online Information Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inquiries on my credit report that I do not recognize. I called and was told I would have to file a police report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I became past due on one of my accounts with Comenity. That is when the phone calls began occurring on my cell phone. It got to the point when they were trying to disguise their number and come up restricted. They never once left a message. <P/>On XX/XX/XXXX, they called me at XXXX XXXX., XXXXXXXX XXXX. and then again at XXXX XXXX. I called them back the following day and spoke with XXXX. She told me that as the calls were autodialer/robocalls, there was NOTHING that they could do to control the frequency of the calls. I had called from a line at work. <P/>I just now received a robocall at my place of employment from them, when I never once gave them permission to use that number to reach me. These tactics are a form of harassment. There was dead air and then disconnect. Luckily I was able to retrieve the number and call back to find out that it was Comenity. <P/>Last year, I received an email from a class action suit that I was going to be receiving portions of this suit due to illegal activities 9f their Account Assure practices. Instead of mailing me the check, the put the balance of what was owed  to me towards a legally settled account that was closed a year prior. <P/>I definitely think that the FTC needs to seriously monitor this credit company and all their activities.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

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

XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX : {$990.00} ; XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : Your company is in clear violation of the law. Under 15 USC 1681b - the permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete ALL late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX Attorney name XXXX XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I have contacted the various Credit reporting companies and requested in accordance with Section 605B of the FCRA, we have determined that the block request may have been made in error ; is a misrepresentation of material fact relevant to the request to block and/or you have obtained possession of goods, services, or money as a result of the transaction. I demanded a reinvestigation, as before when I had ask them to investigate they did not and I did my own investigation to find that my information was stolen and utilize by another individuals for several purpose and the companies were trying to hold me responsible. ONce again I would like for them to properly reinvestigate and remove the following : Credit First XXXX / XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX am having issues with inaccurate addresses on my credit file. Under the Fair Report Credit Act, you are required to comply. My Employer is XXXX XXXX XXXX. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX There are numbers are not mine please delete /remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Debt collection

XXXX XXXX XXXX bought debt from XXXX XXXX XXXX XXXX.. Debt was past NYS statute of limitations so XXXX XXXX XXXX first called multiple times a day after being sent multiple letters to stop contacting me. Next XXXX XXXX XXXX lied after being told they were past the statute of limitations by falsely saying I made a payment on XX/XX/21 to keep the account active. When asked to provide written proof I made a payment and how much the payment was for they said they can not release that information. XXXX XXXX XXXX are now trying to intimidate me by having Pressler, Felt & Warshaw LLP contact me with paperwork designed to make me think they could still sue me over the outdated debt.