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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested documentation from XXXX XXXX to check to make sure all that is reporting is correct. You are also reporting inaccurate balance on the account this account has been paid off.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My information was used fraudulently, and now I see items on my report that I was never associated with. Following TransUnion 's instructions, I filed a report with the FTC and submitted it, but these fraudulent items are still on my report.
Product: Money transfer, virtual currency, or money service

This company was only supposed to take funds out of my account on the XXXX they took funds out on the XXXX and the XXXX and they are not returning my money as of this time I have things that have come out of my account that are going to continue to be declined because this overdrafted my account I've tried to communicate with these people but they refuse to return my money ASAP so I need to get this company involved because this is fraud
Product: Credit reporting or other personal consumer reports

I want reported accounts removed they failed to properly investigate.
Product: Debt collection

I recently received a letter and calls from XXXX XXXX trying to collect on two debts- HomeDepot ( CITI ) {$1400.00} and XXXX XXXX ( XXXX XXXX ) {$1000.00}. I tried to explain that I had paid the Homedepot account XX/XX/XXXX but they informed me that they have no records and I have to pay and offered 10 % off both accounts if I decide to Settle. I went ahead and set up payment arrangement and they're to take {$25.00} per account the month of XX/XX/XXXX and starting XXXX, {$100.00} each. After I had set up the payments I found the receipt of the settlement agreement for CITI-HomeDepot of the cashiers check. I need this to be corrected and removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I look at my credit report and seen 80 inquiries on my report for XXXX  thats not mind! From XX/XX/XXXX-XX/XX/XXXX
Product: Debt collection

After reviewing my credit file I have 2 accounts that do not belong to me from your company Merchant and Professional. I am a victim of identity theft and the accounts listed below which appear on my credit is the result of identity theft. Furthermore, I have never even done business with your company or any company that you represent. Not only did you insert these fraud accounts into my credit file you did not give me a notice that these accounts were being inserted nor did you give me my right to dispute the validity of these alleged accounts. Due to the fact that I know for certain you can not provide proof bearing my signature because these are not mine I am requesting that these accounts be removed immediately, If the accounts listed below are not removed I will be forced to pursue legal action against Merchants & Professional. This is your notice that these accounts are disputed and they are a result of identity theft.

One account is the amount of {$2100.00} Another account in the amount of {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from XXXX XXXX, a debt collector collecting a debt for XXXX XXXX. I spoke with XXXX XXXX and sent them the police report. They said I would also need to send a copy of the police report to the company that now owns the debt. I have now attached a copy of the police report through the CFPB portal.
Product: Student loan

Well Fargo input my loan as a $ XXXX/month payment. It made it nearly impossible for me to get a car loan as this made my income to debt ratio over 300 % ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Federal law provides that bureaus must maintain the correct status on items or remove them from the file. I am enrolled in a NON-PROFIT consumer credit counseling program. When such programs are " NON-PROFIT '' the bureaus must change the status to a " XXXX '' XXXX and XXXX XXXX have complied with this law but Experian apparently has their own interpretation of the law. The accounts included in this program are : XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX   Account Number XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX
Product: Debt collection

XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, TXXXXX In went into XXXX XXXX XXXX to purchase a sofa set in XX/XX/XXXX, I had just purchase and my credit would not allow me to get another store credit card, however the sales person told me about the making payments each month until it was paid off. 
Which I did, in XX/XX/XXXX I became ill and I reach out to XXXX XXXX and ask for the pay off amount a the amount was higher that the purchase price of {$990.00} it would be over {$4000.00}, I was in despair and request that they pickup and return, I was told yes they will call me and never did, as I went in for XXXX XXXX I continued to make the payments because I didn't want my credit to be damage, after recovering I call XXXX XXXX again and still no pickup, I contacted to main office still, this is going on now over a year. I have sent court documents and they were refused. this has no end now they have place on my credit report. I was reading up and saw that this? The Federal Trade Commission received 2,779 complaints about XXXX and XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX. More than 90 % cited aggressive collection tactics.how can a government office allow this to happen each day. why. I need help.
Product: Checking or savings account

Wells Fargo failed to notify me of a suspicious debit from my checking account which lead to my account being hacked
Product: Debt collection

Whom It May Concern, I have no ideal who or where this company came from but I have never had a account or bill with WWR # XXXXTo The reason for my dispute is WELTMAN, WEINBERG & REIS CO LPA was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also,  WELTMAN, WEINBERG & REIS CO LPA failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809.  Validations of date and Mini-Mirandi under Section 807 ( 1 ) WELTMAN, WEINBERG & REIS CO LPA failed to send me my initial  communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. WELTMAN, WEINBERG & REIS CO LPA* is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where WELTMAN, WEINBERG & REIS CO LPA is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. WELTMAN, WEINBERG & REIS CO LPA has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Product: Money transfer, virtual currency, or money service

{$2500.00} was scammed from me using Zelle. I contacted XXXX bank who failed to reimburse me because the withdrawals were approved by me. 

I was trying to sell an item on XXXX market place. Buyer supposedly sent the money with Zelle. I got an email from scammers telling me I had to create a merchant account by refunding the money to the buyer, I never saw the initial payment to me. Who I thought was customer service for Zelle kept telling me I needed to refund more money due to a problem get the account established and my bank not working properly. 

This happened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request a correction of the following information that appears on my credit report [ XXXX, XXXX, XXXX ] Account Name : XXXX XXXX XXXX- XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX- XXXX XXXX XXXX Im the victim of identity theft and I dont recognize these accounts on my report. Please provide evidence the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information.
Product: Debt collection

On XX/XX/XXXX and XX/XX/XXXX of 2022, I requested my contract and full file and audit traiXXXX. On XX/XX/2022 I was given access to a digital account and was told the information would be unloaded on two days. I logged in several times and they failed to provide me with the info I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim due to an XXXX  credit breech. on XX/XX/2020 I submitted identity theft documentation to Experian credit bureau and they continue to report fraudulent accounts, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Debt collection

THESE ARE NOT MY ACCOUNT, IM SO STRESS HELP ME TAKE THIS OFF FROM MY REPORT
Product: Payday loan, title loan, or personal loan

I never applied for a pay day loan this loan was opened XX/XX/2022 .My formal spouse had used my information to opened a pay day loan and the only reason I found out was through my credit account I dont want my credit affected by something I did not do
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit reporting or other personal consumer reports

I FOUND OUT THA SOME ACCOUNTS WERE OPEN FRAUDUNLENTLY WITH MY INFORMATION IN XXXX AND XXXX. THE AMOUNTS ARE {$27000.00} - {$75000.00} AND {$43000.00}
Product: Credit card

Amount : {$310.00} Date of charge : XX/XX/23. They said that they would look into the matter, then send a reversal of the amount, only to add that amount to my card few days later, which affected my credit score.
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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my SANTANDER CONSUMER USA - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

They got the same address like four times that I havent lived in over 20 years
Product: Debt collection

Lied about owner of school skipping town to XXXX and heed all records and the federal government was looking for him when I asked for copy of any and all school records told them I was filling for loan discharge they told me it did n't matter that the apps would be thrown in trash by the student loan people. I sent three apps in with a time span of 4 to 6 weeks of weighting for a response from the student loan pepole For each one. None came sent letter to student loan people reporting the story I was giving to them.as well asking about the loan discharge apps I sent threw the collections agincy.there response was that they are very Thorel in keeping records and had no record of receiving any apps from me and stated that there was no evidence of illegal activity going on with the school. This happened many years a go.I had no one to turn to or new what to do so I complied and continued to pay and I 'm still paying.there was not any thing done about my complaint to the student loan pepole.it was forgotten.I have been paying them money under false and miss leading information for years now.the collection agency never sent the apps to the student loan pepole.
Product: Credit reporting, credit repair services, or other personal consumer reports

The government pays these services to help consumers with their credit scores. I find that the services and the actual score do not match why is that. They are not even close
Product: Credit card or prepaid card

This company is a cheat and a fraud, I disputed some charges as fraud from the year XXXX, XXXX and XXXX in the first week of XXXX XXXX, I was told that a decision would be given on XXXX/XXXX/XXXX but when I called today at the capital one, I was just being transferred from one department to another. The charges are around {$8000.00}, but I was just placed on hold and no explanation was provided. 

I spoke with the employee XXXX  today, her employee Id is XXXX.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed accounts on my credit file that are not accurate, These inaccurate accounts are hurting my ability to obtain credit.
Product: Student loan

Currently you have a lawsuit with Navient and XXXX XXXX and did n't know who to contact about my same issue with the company? I have taken loans from XXXX XXXX and they transferred them to Navient. I am currently in a forbearance program and racking up interest. I did n't know if we were part of the law suit or what direction should I take to get some relief? Thanks
Product: Mortgage

I received a letter saying I didnt have wind insurance on my house. I called the number on the letter and spoke with a representative of the company, who investigated my current insurance and assured me that I indeed did have wind insurance. She said it was probably an oversight and they would fix it. Yesterday I received another letter saying my payment was going up because I didnt have wind insurance when they know I do!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 15 USC 1681C-2 : I pulled my credit report recently, to find numerous fraudulent accounts on my report. Inquires not made by me. I have contacted each alleged creditor, collection agency etc & have been told that my information was verified, however they were unable to provide me with documentation on when the accounts were opened, where they were opened and contact info given. I have filed a report with the FTC for identity theft and this is my next step as i can not get resolutions from the creditors or collection agencies. Please see the attached report. The dates below are based off of information from my credit report, i do not know when the accounts were ACTUALLY obtained/applied for. I am only given this as the creditors will not give me information. 
The credit bureaus ( XXXX, TransUnion XXXX XXXX ) have been unresponsive and declined to resolve disputed information directly through them. Please note, not all information listed below is on the FTC report as I am limited to the amount of characters on the report. 

Personal Information Names : XXXX XXXX XXXX, XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX FL XXXX Phone numbers : XXXX Employment Information : XXXX dozens of fraudulent accounts that have been opened, names that i have never been/been associated with and addresses I have never lived at Never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file.
Product: Credit reporting

I am filing this complaint because my requests have been ignored by XXXX. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy ''. I have requested an investigation and re-investigation and XXXX request have been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX have a record of my existence. However, XXXX   claims that they do not. I have a credit card and car loan through Chase Bank, yet XXXX says I do not exist. I have sent in copies of my SS Card and driver 's license via mail and fax and they have no record of ever receiving these. Most recently I faxed records on XX/XX/20. 

On XX/XX/20 Chase Bank reported that they only send information to XXXX. If Chase Bank could send my information to XXXX, this would presumably solve the problem. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempt to address this account with the credit bureaus and creditor but they fail to fully investigate the account in question. The account is reporting inaccurate, incomplete and erroneous information. After reviewing my credit reports and comparing them I have found multiple inaccuracies, incompleteness and erroneous information being reported. The credit bureaus and creditor have received multiple disputes from me about the account but have failed to update or delete this erroneous information from my credit reports.
Product: Credit reporting or other personal consumer reports

An identity theft Dispute Letter was mailed for inquiries showing on my consumer report. the company did not remove them. I mailed dispute letters for these inquiries directly to the companies using the addresses reported by the consumer reporting agencies, and my mail came back as non-deliverable. The company is reporting inaccurate and erroneous info on my credit report.
Product: Debt or credit management

On XX/XX/2023, I sent Experian XXXX letters regarding my personal information being updated and disputing some accounts on my profile. I did not receive a response from them. I know by law they are permitted a thirty-day window to respond and Experian has failed to comply.