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

XXXX has a collection on all 3 accounts of XXXX dollars but I dont know where that came from. Im a current XXXX wireless company right now. So I dont see how Im a current customer but have a collection with the company. Please remove from a credit reports or get them to show verifiable information and how they verified
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 


I looked at my XXXX, XXXX & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

I have sent rounds of letters to experian to request them a investigation about two inquires that are not related with me that should be deleted but they did not take any action about my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE AND PURSUANT TO THE FEDERAL CREDIT REPORTING ACT 15 USC 1681 SECTION 602 ( H ) - I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 ( A ) ( 2 ) - A CONSUMER REPORTING AGENCY MAY NOT FURNISH MY INFORMATION WITHOUT WRITTEN CONSENT. 
15 U.S.C. 1681 ( B ) PERMISSIBLE PERMISSION TO USE INVOLVING A CREDIT TRANSACTION IN ACCORDANCE TO THE CONSUMER BY WRITTEN CONSENT XXXX, XXXX, AND TRANSUNION HAVE VIOLATED MY RIGHTS BY FURNISHING THE FOLLOWING ACCOUNTS. 

XXXX XXXX XXXX - XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX - XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXXXXXX XXXX. 

XXXXXXXX XXXX {$220.00} CLOSED XXXX POTENTIALLY NEGATIVE MONTHS RESOURCE XXXX XXXX CLOSED XXXX LATE PAYMENT XXXX XXXX$0.00} CLOSED XXXX POTENTIALLY NEGATIVE MONTHS XXXX XXXX$0.00} CLOSED 4 POTENTIALLY NEGATIVE MONTHS XXXX {$0.00} CLOSED RESOURCE XXXX XXXX - XXXX XXXX XXXX XXXX XXXX According to XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Association ( XXXX XXXX 2007 XXXX XXXX XXXX XXXX it decided that without a permissible purpose one is in violation of 15 U.S.C. Section 1681b. Based on this decision, it appears that your agency is in violation of furnishing a copy of my credit report to the below companies. 
As the court interpreted and based on has been done in my case, FACTA clearly states that one only has a permissible purpose for obtaining a credit report under US 1681b ( a ) ( 3 ) ( A ) and when it is only in connection to a credit transaction in which a consumer has participated directly and voluntarily. I DID NOT DIRECTLY AND VOLUNTARILY SEEK CREDIT WITH THE FOLLOWING COMPANIES and they DID NOT HAVE A PERMISSIBLE PURPOSE XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Rights Reserved Without Prejudice XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I filled out an online form around XXXX XXXX. Received a call from them the following day and was instructed to register to to an online account to which they have already set up using sone info in my application form. I was told that my username is my email address and password is my Social Security. 
Once I have logged on, there was already a contract ready for my signature. After verification of my bank details I asked some questions regarding the contract. At the end of the phone convo I told the lady that I am not signing the contract yet and I will just get back to it later. To which she said it was okay and that she will be calling me again, or I should feel free to call them back on the number she was using to call me. 
Not sure if she called me back. When I logged on to my Myquickwallet.com account, the loan agreement/contract was no longer there. I tried to call their number back but couldn't reach them. Now, on that account, my personal information are listed including my Social Security number! Like if someone hacked my account, the hacker would have easy access to my Social Security number. So, since the personal loan didn't materialize, I have decided to just have them deactivate and completely delete my account. I sent them an email requesting for such action since I can't do it from my end, but the email bounced back to me, it said the the email address can not be found. 
I am faced with the dilemma of an unsecured Social Security number and personal information. I just want Myquickwallet.com to deactivate my account with them. Please help me. 
These are the contact numbers tgey have on their Web site : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX I certainly hope my complaint merits your favorable action. Thank you and more power.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This is the third interaction we have had. You recently said you sold this information to another company so I would like to know the company handling this. As you can see the information is incorrect on my credit. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged dbet, nor therefore any such debt, in fact therefore exist This needs to be removed from my credit. I will not let this up. As this is effecting me long term. Yes I've submitted documents to get this removed because of statement above. You have sold my information to another company and haven't provided any details to who.
Product: Credit reporting, credit repair services, or other personal consumer reports

wells fargo dealer services is damaging my credit by reporting a XXXX charge-off on an auto loan ( wells fargo dealer services, partial account no.XXXX .... ) the original charge-off amount was for XXXX dollars which Wells says was for a bounced check on the final payment of the auto in XXXX. 
However due to admitted error on the part of wells fargo, wells owed me XXXX dollars since XXXX for insurance charged that I didn't need.Wells discovered their error, and '' promptly '' sent me a check for XXXX dollars in XXXX. 
so at the time of charge-off in XXXX for a XXXX dollar amount.. 
wells has " discovered '' they have owed me XXXX dollars since XXXX..wells sent a check for XXXX dollars for the " stolen '' funds for a fraudulent insurance scam ( cfpb court case resulting in XXXX XXXX dollar fine ) .YET WELLS FARGO WANTS TO HOLD ME AND MY CREDIT ACCOUNTABLE FOR A BOUNCED CHECK ... CLAWED BACK 47 DAYS AFTER THE CHECK PAID ... .EVEN THOUGH AT THE MOMENT OF CHECK BOUNCE WELLS HAS ADMITTED THEIR ERRONEOUSLY STOLE XXXX DOLLARS AND HAD BEEN HOLDING THOSE FUNDS SINCE XXXX. 
THE ATTACHMENTS HOLD THE INFO.WHICH CAN BE JUDICIALLY NOTICED EVIDENCE IN MY CASE LATER ON.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiry on my reports or noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items must be removed. XXXX  XXXX XXXX ( XX/XX/2022 )
Product: Credit reporting or other personal consumer reports

This is my second complaint. I filed a dispute with your organization last XX/XX/year>XXXX  and explicitly identified the bogus accounts. There are still phony accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be remove from my credit report asap. 
1.  Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

I owe a debt to a payday loan company called Speedy Cash that I took out online. They call me multiple times a day, upwards of 6-7 times a day, sometimes before XXXX am and even as late as XXXX pm. I will decline a call and they will immediately call me back, yesterday it was three calls within a XXXX minute timeframe. I have answered and told them that they needed to quit calling me so much because I work in a XXXXXXXX and cant always answer, and yet they still repeatedly call me and are blowing up my phone all day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX XXXX {$1300.00} XXXX XXXX {$2800.00} XXXX  XXXX {$460.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX account # 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

On XX/XX/XXXX I supposedly received a phone call from a Wells Fargo agent, from a so-called XXXX, to ask me if I made a wire transfer to a XXXX XXXX for {$7100.00}, I told her no. She proceeded to tell me she must close my account and open a new one, I truly thought she was from WF as she spoke so eloquently and knowledgeable. I said yes please. She told me I must first move my smaller 3 accounts to my one business account where the wire was being drawn from. Believing she was still a WF employee I complied. When that was completed she said she had to go for it was XXXX XXXX  quitting time that she would get back with me at XXXX XXXX XXXX next XXXX.. She did not call me back till about XXXX XXXX XXXX with the excuse that she had several bank meetings, she apologized and said she had XXXX more meeting and would call me back in a half hour to complete my new accounts.. She never called back, I then became very suspicious of her and I called the bank directly and they said that they had not called me the day before about anything. I told them what happened with the so-called XXXX and they responded that the wired check for the {$7100.00} cents was already paid out to a client by the name of XXXX XXXX on that same day. at a XXXX XXXX  in XXXX, Texas. I truly denied ever allowing a wire transfer for that amount which was truly all the money I had in my account. I filed a complaint of denial that same day. with the bank and In ten days they responded to me that they will not be returning that money back to me becasue I authorized it and the money was gone.. I denied to them ever doing that but they still dnied me. I appealed and once again they denied me with a phone call. They never called me themselves to alert me of such wire fraud beforehand for all that amount of the only money I owned and owed out in bills, products, rent and one worker. I'm XXXX XXXX XXXX with chronic conditions and bad health problems. I am practically XXXX  unable to walk and unless I get this stolen money back I will be out in the streets. 


Truly honest XXXX XXXX XXXX XXXX
Product: Debt collection

Credit Management , LP ( on behalf of XXXX XXXX XXXX ) is attempting to collect from me a dept that I do not owe/does not belong to me. Credit Management , LP notified XXXX credit agency with regards to this issue on XX/XX/XXXX.

On XX/XX/XXXX ( Saturday ), I received a letter from Credit Management , LP attempting to collect a debt in the amount of {$160.00} on behalf of XXXX XXXX XXXX ( Reference # XXXX, Client # XXXX, Creditor Account # XXXX, Total Amount Due {$160.00} ). This is the first time I was ever made aware of XXXX XXXX XXXX XXXX  attempt to collect a debt from me. The debt is not mine. I do not owe the debt nor have I been a customer of XXXX XXXX XXXX. On XX/XX/XXXX, I responded to Credit Management , LP via a Certified Letter with a request for validation of the debt. To date, I have not heard back from Credit Management , LP. This morning ( XX/XX/XXXX ), I received a notice that my credit ( XXXX ) had received a report of " Potentially Negative - Major Derogatory '' event reported the day before, XX/XX/XXXX reported the day before by Credit Management , LP to the XXXX Credit Reporting Agency. I have filed a complaint with the California Attorney General office, the XXXX XXXX XXXX and now here at the CFPB, as well for help with this issue.
Product: Money transfer, virtual currency, or money service

My Zelle was taken away from me for fraud after somebody sent me money and claimed it was fraudulent. I wasnt contacted to see if it was actually fraudulent. I have XXXX so XXXX unable to add money to my account without Zelle.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is fraudulent activity on my credit report. I recently received my 1099 copy B from this IRS from both Nelnet and XXXX XXXX XXXX XXXX XXXX . The IRS accepted both documents I filed 1099C with Nelnet and 1099A with XXXX. 
I expect these accounts on my credit report to be resolved immediately due to the Securities Exchange Act, as well as the Federal Reserve Act Section 29, 12 CFR215.11, due to breach of fidicuary duties. 
My consumer rights have been violated and there are numerous UCCs that support my claim. 
15 U.S. Code Chapter 41 15 U.S. Code 1693 UCC3-419 15 USC 1692a ( 3 ) 15 USC 1681a ( c ) 15 USC 1602 ( i ) I am aware of both the indenture trustee and trustee of both Nelnet and XXXX XXXX XXXX and if this matter isnt resolved, I will have to take legal action within 30 days of notice.
Product: Bank account or service

XX/XX/2015 I was offered a sign up bonus to open a Citigold checking account. Since I did not have my state issued ID at the time I was given instructions on how to do so online. After opening the account I reached out to confirm the offer was attached to my account. I was told that it was. Once I met the requirements for the bonus I reached out again to confirm I had done what was needed and was told that I had and that the bonus should post to my XXXX XXXX account no later than XX/XX/XXXX. Now I am told that I was not eligible for the offer but I have all the messages to prove that I was told I was. I was even told to go in branch to talk to a representative and when I did I was told that they did not have the power to give me the bonus but to reach out to customer service again because it should be honored. I did that and after their investigation where they can see all my previous communication where I was told I had the offer on my account and that I completed the requirements I am still being told that they still will not honor this offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

An original letter was sent to the credit bureau in XXXX. I didn't receive a response so I entered a complaint on CFPB for XXXX. Bureau responded and asked for confirmation of identity. The requested information was submitted with the original request letter from XXXX as indicated in the letter from the credit bureau.The personal information on my credit report is still being inaccurately reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 sections 602 states that I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Credit reporting or other personal consumer reports

Hello, I'm reaching out in response to reports of unknown & incorrect information on my credit profile with the credit bureau and I have been in compliance of all protocols. However, the agency is Violating my rights & listing inaccurate information that is unjust to my social & my name. The supporting documents have been sent in. That they ask for. I've also did identity theft online and with local agencies and sent them the information also I have made multiple attempts also stating that per FCRA Laws this is incorrect listed on multiple different levels. 15 USC 1681s-2a 15USC-1681 If information is listing inconsistently overboard and a few of the other agencies removed the information for that reason. Of and accuracy and inconsistent of being correct then all of it should be deleted...
Product: Debt collection

I CONTACTED COMPANY THEY WERE UNABLE TO LOCATE THE ACCOUNT THIS REPORT IS REGARDING GIVING ME NO WAY TO DISPUTE WITH THEIR COMPANY. HOWEVER WAS ABLE TO CERTIFY ITS ACCURACY THAT I INFACT DO OWN THE ACCOUNT AND AS A RESULT NO CHANGED WERE MADE ON MY CREDIT REPORT WHICH SHOWS THIS AS A NEGATIVE DEBT COLLECTION OF {$1000.00}..
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, these creditors have violated my rights under 1581usc section 602 which states I have the right to privacy, under 15usc 1681 section 604a It also states a consumer reporting agency can not furnish a account, without my written instructions. Under 15usc 1666B, a creditor may not treat a payment on a credit card account under an open and consumer plan as late for ANY purpose
Product: Debt collection

I am writing to you with a sense of urgency and frustration regarding the fraudulent accounts that have infiltrated my credit report. It is imperative that you take immediate, aggressive action to rectify this situation, as it is causing severe damage to my financial well-being, and I hold Equifax responsible for allowing these errors to persist. 

The following fraudulent accounts have been reported on my credit profile : XXXX XXXX  XXXX Despite my relentless pursuit of justice and rectification, these fraudulent accounts continue to plague my credit profile, causing untold harm to my financial standing. I am not merely requesting, but DEMANDING that Equifax launch an immediate and aggressive investigation into these disputed accounts, ERADICATE them from my credit report, and furnish me with a revised credit report that reflects the truth about my creditworthiness. Thank you for your immediate attention to this critical issue.
Product: Debt collection

R.S Clark an d associates has filed an account on my credit report dated   XXXX  ,2017 which is not a debt that I owe in the amount of  XXXX . Never had any dealings with this company ever. Also having knowledge that this company is not authorized to collect any debt in Florida.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment hisipry. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being XXXX. I firmly insist that you correct my account to accurately depict my payment history.
Product: Credit reporting or other personal consumer reports

Creditors I have never done business with are contacting me saying, I have debt with them. I have never signed or consented to any agreement. My information has been breached and I want these companies removed.
Product: Debt collection

On XX/XX/year>, I slipped in XXXX on some water that was on the floor that did not have a caution sign placed by it. XXXX did cover my medical expenses but they sent money to the insurance company instead of the hospital to cover the bills. I did not learn of this until I saw the medical bills on my credit report. I contacted the insurance company and they said yes XXXX did pay but the insurance company sent it back to XXXX because it should have been sent to XXXX XXXX instead. I contacted the hospital and they said they never received the payment and it was sent to bill collector. I have tried numerous times to contact XXXX and left messages and no one has returned my calls. I refuse to pay this when XXXX is responsible. I want it off my credit report also.