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

Recently, I Review my Credit files on Transunion and XXXX, and noticed a false information reported on the collection services that i have not acknowledge of or consent to from XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX. I have reason to believe I do not associate or have an account with XXXX XXXX, my wireless cable has always been with XXXX XXXX XXXX. I believe the information is incorrect or mistakes from the Collection Services, therefore reporting false information is in violation with FCRA Fair Credit Reporting Act.
Product: Debt collection

I found out the person who borrowed money for auto loan was not me.

In the document, the address was not mine when the person who used my name and SSN. I am pretty sure the Wells fargo does not have a copy of my driver 's license. The address on the document was not mine. The Wells fargo must have a copy of the deiver 's license of the person who used my name and my SSN. Worstly, the vice president of operation in the Wells fargo, her name is XXXX, she did not check names ( on the driver 's license and SSN 's ) accurately and sighned on the paper.

Wells fargo must send me the copy of driver 's license as a proof that the person is myself if they believe the person is myself. However, I am 100 % sure they do not have a copy of my driver 's license.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that the account i paid off is not being reflected as such on my credit report so i contacted XXXX XXXX XXXX ( the company i paid ) and they said that the original creditor ( comenity bank is reporting the account incorrectly ) and that i need to contact them. the response i received from comenity bank is that i need to contact XXXX XXXX in which i have already done. I am just getting run around while no one is updating or fixing the issue to reflect that the account was paid and not a charge off or whatever incorrect status they have it sitting in. I am resubmitting this complaint with the document that shows the account was paid and nothing owed so it should reflect a paid status on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last Thursday or Friday I contacted Experian because I felt I was being charged for services I was not getting ie : 3 reports not just 1. 

After very long conversation I was more confused then when I called and the rep couldn't even figure it out. A supervisor who refused to speak with me just told her to take me to the site to find the terms. In reviewing the site together neither one of us could find the answers. 

So basically they could not confirm what I should be getting for what I was paying. I explained that because I felt I was being overcharged and they would not help me I would file a complaint with the BBB, which I did. 

I got a message from the BBB earlier today saying the complaint had been sent to Experian. Several hours later I got an email with Experian telling me they had cancelled my account. Seriously?? 

I called and they refuse to tell me why. They confirm it was cancelled internally and not by me. How can they do this when I have been paying for a service and even been overcharged. 

I now have concerns as they are in control of my credit. This feels like retaliation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and omitted from erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to dispute an item on my credit report. The item in question is : XXXX XXXX XXXX XXXX XXXX Ref # XXXX I believe this item is inaccurate and should be removed from my credit report for the following reaso

ns : 1. The debt collector has failed to validate this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g. 2. I pulled out of the bk and never completed the process. Started back paying my debt Under the FDCPA, specifically 15 USC 1692e ( 8 ), it is a violation
to report information to a credit reporting agency that you know or should know to be inaccurate. As such, I request that you investigate this matter and remove the item from my credit report.

Please provide me with the results of your investigation within 30 days, as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter.
Product: Debt collection

National Credit Management has continued to contact me despite receiving a cease and desist letter from me and agreeing to stop communication after I filed complaint XXXX with the CFPB. NCM stated in their response on XX/XX/22 that this account was closed, but then verified the account through a dispute with XXXX as open and accurate on XX/XX/22. The collection agency is violating 12 CFR 1006.18 by engaging in deceptive practices by subjecting me to misleading representations of this debt.
Product: Debt collection

Collection account from AFNI, INC ( Original creditor - XXXX XXXX XXXX XXXX ) added to my credit report in the amount of {$370.00} on XX/XX/2020. 

I have not been an XXXX XXXX XXXX XXXX customer for the past 8 years and have no knowledge of any remaining balance owed. This is the first time Ive ever heard of such claim. 

I have never heard of such company called AFNI, INC Please remove collection from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAP1/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/22 RE. We have disputed this account.
Product: Credit card or prepaid card

This was not sent is error i am a consumer by law and my information as misused and now i have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX balance {$460.00} account # XXXX 30 days late in XX/XX/2022 XXXX
Product: Bank account or service

i had a XXXX account with Wells Fargo thru my employer, XXXX that i was not able to transfer until i turned XXXX or until i had not been with the employer for 5 years. 
Upon turning XXXX on XX/XX/XXXX2017, i called and aske to have the funds rolled over to my bank, XXXX.I asked to have the funds wired directly but they told me they could not do that and i had to wait for a check.I reluctantly agreed. 
The funds were to be sent directly to my bank.I got a letter at my home on the XXXX saying the funds were sent.When nothing was received at my bank by the XXXX, my bank and i conference called Wells Fargo and asked where the funds were.They informed me that a check was sent on XX/XX/XXXX to my bank.We told them that the letter never arrived.They said i had to wait until Friday to do a stop payment on the check and have the funds resent.I called them today, friday XX/XX/XXXX and asked to have the funds resent.They insisted they wanted to mail the funds and i requested they be wired and they said no. 
i then asked to have the money overnighted and they would not do that. 
i rwquested a supervisor and that person agreed to overnight the funds after the stop payment was processed which would be Tuesday. 
Meanwhile i have not had benefit of use of these funds for all that time. 
i really believe that the check was never mailed and this is just a delaying tactic for the bank to hold onto this money as long as they can. 
The amount was not enormous,XXXX, but not insignificant to me. 
have you had other complaints about Wells Fargo using this stall/delay tactic to hold onto the money of customers trying to withdraw IRA or other funds from this institution? 
if so, i want to add my name to the list of people that are unhappy about this situation. 
Why is it that bank want to do everything electronically, including cashing my checks and immediately transferring funds out of my checking account, yet when it comes time for me to get money from my account i have to wait for the Postal System to deliver My funds and then suspiciously, the funds do not arrive??? 
This is completely unfair to the consumer. 
I do Not trust Wells Fargo regarding anything they do any more. 

Also, i feel it is unfair if a Company terminates my employment to have a regulation saying that matching funds can not be withdrawn from an IRA account until i am XXXX or 5 years from Termination.If i quit the company, i canunderstand this rule, but if i am let go, this conditon should be waived or not apply.I have waited two and a half years to access these funds and i still do not have them. 

Not happy!!
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Request for Bankruptcy Removal To Whom It May Concern, I am writing to formally dispute the reporting of a bankruptcy on my credit report. I recently reviewed my credit reports from the major credit bureaus and noticed that a bankruptcy is being reported incorrectly. I believe this information is inaccurate for the following reason ( XXXX ) : The bankruptcy case was dismissed and should not appear on my report, Case # XXXX XXXX XXXXXXXX XXXX XXXX DISMISSED I would appreciate a written confirmation of your findings and any actions taken to correct this error. Please respond to this request within the time frame outlined by the FCRA. 
Thank you for your time and assistance in this matter. Please feel free to contact me at XXXX or XXXX if you require additional information. 
Sincerely, XXXX XXXX
Product: Debt collection

As a result of verifying your accusation, we have learned from the original owner ( XXXX ; XXXX XXXX XXXX ; XXXX ) that not only has this matter been resolved, but that they did not hire your organization or ask that you act on their behalf. Please refer to the information collected. Also, please remove the inaccurate claim from my credit report.
Product: Credit card or prepaid card

Army Airforce Exchange Credit Services Contact with fraudulent representative Request removal from ex-spouse account No access to account Suspect credit card Fraud.
Product: Debt collection

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX Open Date : XX/XX/2013 Balance : {$300.00}. Please make sure this account was remove in my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove this truncated falsely reported account from my credit report. The account number belong to another person or an imposter using my name to obtain credit information. It is also noted in my investigation that by sending me account statements from the creditor dignifies ownership. I have a letter from the FTC attached to attest to this. This account is not reported accurately due to the fact that it does not express the full account number and MUST be removed immediately to avoid litigation  : 1   XXXX /  XXXX   XXXX   #  XXXX  I have attached the lawsuit to be filed as wells as  XXXX  vs.   XXXX     XXXX   XXXX  Case  .  No.  XXXX  to show precedence to the court on the same violation I am seeking. I am not seeking monetary relief. I am only seeking the removal of the above account from my credit report as well as the unauthorized release of my credit report to the following companies :  1 .  XXXX   XX/XX/XXXX  2.  XXXX   XXXX    XXXX     3.  XXXX   XXXX   XXXX   XX/XX/XXXX   4.    XXXX   XXXX   XXXX    XX/XX/XXXX  5.  XXXX   XXXX   XX/XX/XXXX  6.  XXXX   XXXX   XXXX   XX/XX/XXXX   7.    XXXX   XXXX   XXXX   XX/XX/XXXX  8.   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX  9.  XXXX   XXXX    XXXX  . If these accounts are not cleared immediately, I will be forced to file the lawsuit attached forthwith and seek punitive damages as well as violations of the FCRA  Section 623 i ncluding Defamation and willful injury at {$1000.00} per violation.  May  I also remind you of  XXXX ,  XXXX   TRANS UNION CORPORATION US   , Court of Appeals fo r the   XXXX  Circuit Court Ca  se   XXXX   XXXX   XXXX  ,    XXXX   XXXX   XXXX  , Filed (  XXXX  No.  XXXX  )
Product: Debt collection

XXXX, as a result of data breaches, has exposed me to a present, heightened, and imminent risk of fraud and identity theft, As a result, I must now closely monitor and pay out of pocket to guard against identity theft for the rest of my life.
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against the XXXX bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the XXXX bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a fraudulent account on my credit report, which is currently being reported by Equifax. Despite my earlier submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), as per your protocol, this account remains on my Equifax credit report. Upon discovering this fraudulent account, I contacted the associated company, which has confirmed the fraudulent nature of the account and assured me of its removal from their records. Subsequently, the other major credit bureaus, namely XXXX and XXXX, have removed this account from their records after recognizing its fraudulent nature. I am perplexed as to why this fraudulent account continues to be reported by Equifax despite being removed by the other credit bureaus. I have fulfilled all necessary requirements and provided all relevant documentation to support my claim of identity theft. Please DELETE this account : XXXX XXXX
Product: Debt collection

INQUIRES : A credit report of inquires that do not belong to me CREDIT IN THE CREDIT BUREAUS : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLAGSHIP CREDIT XXXX
Product: Payday loan, title loan, or personal loan

XXXX XXXX does not fully disclose the predatory features of their loans. 
They were supposed to give me 90 days of interest free financing. I had automatic payments set up with my bank account. They are telling me that I " missed a payment '' during the 90 day period which made me " ineligible '' for the interest free financing. 

The rate they are charging me ( 133 % ) is WAY over the maximum Rate Cap in California where I reside. There is apparently a " loophole '' with XXXX when using " XXXX XXXX ''. However - my disclosures clearly state that the Loan is funded and serviced through XXXX, not XXXX. This interest rate is insanely predatory someone needs to hold XXXX XXXX accountable.
Product: Debt collection

Calls are from this number. XXXX. State they are XXXX XXXX and are overly agressive trying to get paid for debt i do not owe nor ever owed. Company leaves repeated messages very aggressively stating a warrant for my arrest is being issued if i dont pay them XXXX immediately. 
Ive never had a first usa credit card and ive never charged XXXX on any credit card. They claim they have proof but will not provide it. When pressed to provide proof they get even more aggresive threatening to take my house and my car and garnish my social security checks. Im retired and live on social security only. This constant harrassment needs to stop. I saved the last message in my voicemail so you can hear how they talk and threaten me
Product: Credit reporting, credit repair services, or other personal consumer reports

the company is reporting fraudulent information on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS A FRAUD BASED COMPANY I AM EXPOSING THEM XXXX XXXX XXXXXXXX  FROM XXXX TO XXXX IN HOSPITAL I NOTIFIED THEM AND THEY MARKED MY PAYMENT FOR XXXX AS 30 DAYS LATE THAT IS HOGWASH I PAID XXXX ON TIME AND THEN WAS ADMITED INTO ICU FOR COVID THEY CAN NOT MARK ME NEGATIVE WHEN ALL MY PAYMENTS HAVE BEEN ONTIME AND I WAS EFFECTED BY PANDEMIC AND THEY KEEP SAYING THEY WILL FIX IT AND DO NOT RESPOND TO EMAILS AND WHEN YOU CALL THEY ARE ALL FOREIGHNERS AND HTEY HAVE NO IDEA WHAT THEY ARE DOING THEY LIE MAKE FAKE PROMISES AND EVERY ONE ONLINE IS COMPLAINING ABOUT THEM I WANT THIS REMOVED NOW OR I AM RETAINING A LAWYER FOR CAUSING ME HARDSHIP FINANCIALLY DUE TO DESTROYING MY CREDIT REPORT I DEMAND THIS RESOLVED.
Product: Debt collection

After finding inaccuracies on my consumer credit report, I sent a 1692g request to XXXX XXXX XXXX on XX/XX/XXXX. The verification affidavit was received by MCM on XX/XX/XXXX, at XXXX. The company failed to verify the alleged debt and continues to report false information to the Consumer reporting agiencies. Additionally, the account was paid, in full to XXXX, XXXX XXXX XXXX on or about XX/XX/XXXX. MCM has NO bona-fide claim in the matter and allegations that I owe an alleged debt to its Agent ( s ) and/or Representative ( s ) are frivolous.
Product: Credit reporting or other personal consumer reports

I kindly request your assistance in investigating these matters. I believe they may be a result of identity theft or reporting errors, and I want to ensure my credit report accurately reflects my financial history. 

Capital One Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/year> And a Credit Card form CapitalOne that was opened XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a natural person and i am submitting this complaint/dispute on my own behalf NOT any third person. I have personally disputed an inaccurate account with this CRA as well as the furnisher of this information twice. On XX/XX/2022 i mailed in a third certified letter to to dispute this incorrect information they are reporting. I recieved a notice from TransUnion on XX/XX/2022 that account has been verified as accurate. TransUnion is reporting an account from Eastern Account Systems ( a debt collector ) on behalf of XXXX XXXX XXXX due as of XXXX XXXX in the amount of {$1000.00}. I have a letter from the original company stating that the amount of {$1000.00} was due on XX/XX/2022. How can an account be past due from XXXX if it isnt due until XXXX. I also sent a certified letter to this company to validate this debt with NO RESPONCE. This inaccurate account needs to be DELETED!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, based on a accident ( disaster ), I faced the financial hardship. Wells Fargo is my mortgage lender from XXXX, and I asked them for a mortgage assistance. They offered several options but asked for permission to check my credit score. At this moment the score was about XXXX. However, Wells Fargo asked XXXX XXXX for assistance, and when results came, it was a very unpleasant surprise. The new FICO score has dropped for 83 points - due to the Wells Fargo/XXXX XXXX inquiry. When asked for information why it has happened, the answer was that this score is based upon XXXX  report. I called XXXX and they denied providing such a wrong information. At this moment am disputing this sudden drop of the score and I am asking removal of such inquiry. 
As far as I know, the official credit bureaus are the only providers of credit information. Many new providers of scores are doing it for less money and are increasing the market. Their information is not always correct. They maybe are pleasing the lenders who are paying for information, but it can create harm to customers - intentionally or inadvertently. 
I am informing CFPB because this has happened under your watch of the compliance with FDCPA.