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

I have tried to resolve this issue with this debt collecting company and they have yet to delete the item from my credit report. I have reached out multiple times and they have shown no proof off who acquired this account. This account also shows false information from one one bureau. I have multiple inquiries which I am not aware of. Only being reported through Transunion. 

XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX ( two on this date ) XX/XX/year> XXXX XXXX
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. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  XXXX has violated my rights. Or a 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 card or prepaid card

Contacted Prosper Credit customer service. I when from a by weekly pay date to monthly. I asked to change my due date. This the first time I made the request. They told me that their system needed updating and would not allow the change in due date. My credit card contract with them stipulates that I have the right to change the due date every 365 day period. I put a complaint in before and the never responded. I requested a complaint ticket number for the current complaint # XXXX.
Product: Credit reporting or other personal consumer reports

The following companies reported inquiries without my knowledge or authorization on my Equifax credit report. Someone has used my information try and obtain a vehicle. I am not aware of these inquires or the account connected to these inquires. This is not my doing and I have not authorized these companies to access my credit report. This has yet to be verified and validated. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Date of Inquiry Company XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I placed an order with XXXX for a XXXX XXXX. Total price {$23000.00}. It was to be delivered XX/XX/XXXX. I gave them bank details so they could verify I had funds available. They processed an ACH and funds were taken XX/XX/XXXX. On XX/XX/XXXX XXXX told me that due ti delivery problems the car would now come XXXX. I inquired about my funds and was told that if I had to cancel the car an ACH would be processed right away, no delay from XXXX. On XXXX XXXX delivered the wrong car ( different color and XXXX more miles ). Delivery man confirmed the car was wrong said he would be back in 2 hours with correct car. An hour later he called and said the pictures of the car online were not reflective of the one he had to bring me ( stained interior and many scratches on exterior ). I told him I wanted to cancel and get my money back. He agreed. I had a chat with a live representative that afternoon confirming the cancellation and my refund amount. On XXXX I called XXXX to reconfirm as the amount was not in my bank yet. While the customer service person could see the cancellation he noted that a refund had not been processed. I asked for a wire transfer. Representative called me back and said that a refund had been started but that their system would only allow an ACH refund and nothing more expedited even though they acknowledged they were at fault in the delay. I think it is unfair that XXXX took my funds without delivery when they could have just checked availability or taken a down payment. I think it is very unfair that after recognizing their error in not initiating an ACH on XXXX as promised they did not spend the extra dollars to send me a wire rather than another delay with the ACH process.
Product: Debt collection

On XX/XX/XXXX, I received a notification from XXXX that my credit score dropped XXXX XXXX. As I signed into my account, I found a collection account I knew nothing about. This company is Wakefield & Associates flagged as Collections for {$2100.00}. Prior to this notification received no mail, no calls or any kind of communication regarding this account. I have no idea what this is and I don't even have any outstanding debts. 

On XX/XX/XXXX, I sent a certified debt validation letter to Wakefield and I have yet to receive any communication from them verifying this is my debt. Prior to mailing this letter, I XXXX the company to find out what kind of collection this is. I was not able to find any information on this company and also found several negative reviews on XXXX XXXX XXXX XXXX site stating this isn't a legitimate company.
Product: Credit reporting or other personal consumer reports

My credit report is showing multiple unauthorized inquiries from these companies, XXXX  XXXX on XXXX. XXXX  on XXXX. XXXXXXXX XXXX on XXXX. XXXX on XXXX. XXXX XXXX XXXX XXXX on XXXX. These UNAUTHORIZED inquiries have affected my credit profile and is affecting me from using my credit. Under FCRA specifically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information. Including inquires into my credit report without my explicit permission. Pursuant to 15 USC 1681 section 602 states I have a right to privacy this inquiry needs to be removed immediately.
Product: Debt collection

XXXX XXXX XXXX was my behavioral care provider for over a year. On XX/XX/XXXX they claimed that I cancelled my appointment with my therapist on XX/XX/XXXX and charged me a {$100.00} fee. In addition, they sent me multiple out-of-network bills months later. After I conducted further investigation with my insurance ( XXXX ) I found out my therapist was billing incorrectly using the wrong code, including this cancellation fee. I was in conversation with XXXX  trying to sort this out and on XX/XX/XXXX I received written email communication from them apologizing for their errors stating that it had been resolved. Later on XX/XX/XXXX I received a call from XXXX XXXX at Collection Solutions Inc stating that this fee had been sent to a debt collector without my knowledge and after I had received written communication from XXXX  that it had been resolved. I reached out to XXXX  multiple times to get this fixed and work it out and they were dismissive. I provided them with evidence, including screenshots of text conversations proving that I did not cancel my appointment and was simply running late. When I notified my therapist she said it was fine and was willing to accommodate me, we were even making plans to meet later in the day as that is what she preferred. Moreover, I sent them several screenshots of her cancelling our appointments on me day of because of her own personal matters. Every time I was understanding and willing to reschedule. In spite of all this evidence, they refused to do the right thing and listen to me. On XX/XX/XXXX XXXX at XXXXXXXX XXXX billing called me to yell at me and tell me she was not going to do anything about it. On XX/XX/XXXX I sent XXXX XXXX XXXX a Cease and Desist notice as they have been harassing me about this without providing any proof of why I'm responsible for this. This issue has caused me great stress and agony, as well as so much time out of my daily life to address it. The most disappointing aspect of this is that this is coming from a mental health service provider. How they've treated me greatly concerns me for the wellbeing of anyone under their care. And from seeing reviews about their company online, it seems like I am not the only XXXX. Please let me know if you have any questions for me. Thank you for your attention with this matter.
Product: Credit reporting

I submitted a complaint last week. It took EQUIFAX less than 48 hrs to decide NOT to read my complaint including an attachment providing full details regarding the false & illegal reporting in my name. The following is what has taken place since I filed my complaint last week " Initial complaint " EQUIFAX has refused to investigate my dispute and refused to provide me evidence to support their claim to refuse to remove a collection claim in my name despite proving to them that I took the company to court where the judge point blank told the woman to stop harassing me, treat her customers right and to remove all remarks on all three credit bureaus reports.Despite me providing EQUIFAX a copy of the woman 's own written statement that she has informed them to remove collection account from my name, EQUIFAX continues for the third year in the row to refuse to remove the account. What does it take for EQUIFAX to follow the law and remove false reporting in my name? All they say that they have " investigated it " but refuse to provide me any type of evidence and documents, and completely ignore the written statement from the woman behind the claim to remove it '' End of initial complaint '' EQUIFAX response " Equifax has reviewed the complaint and its records. You did not list any specific items in which you are disputing. In order to properly address your concerns and assist you, you will need to provide specific details regarding items on your current credit file in which you disagree. Written confirmation has been mailed to you on XXXX/XXXX/XXXX. '' My response after receiving a response like that ; " I am so sorry you choose not to read my complaint in its fullest as I attached a letter from your client verifying that she told you to remove her claim back in XXXX but yet you choose to ignore your own client and illegally reporting items in my name. It is amazing the knowledge you can gain by actually taking the time to read what people give you. I strongly advise you to actually open the attached document, read it and then respond.If you still struggle reading the document which is written in XXXX please let us know so it can be translated. If you can not open attachment, you need to let us know. '' I look forward to EQUIFAX actually reading the attached letter from their own so called client in which the client states she informed EQUIFAX back in XXXX to stop reporting the claim and to remove it completely " I guess EQUIFAX believes they do n't have to follow the law even-though their own so called client has told them to stop harassing me and to stop reporting a claim. I have attached the letter again. Please do open the attachment that has ALL the information they claim they did n't receive. Furthermore the claim that EQUIFAX contacted me for further details is a lie. I would love to see prof of this claim. If EQUIFAX continues to believe they are above the law, then police will get involved and charges filed
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX, Experian, and XXXX complies with federal law and provides consumers with the necessary proof of investigation. 


I want reported accounts to be removed. From experian, XXXX, and XX/XX/XXXX 
-XX/XX/XXXXXX/XX/XXXX - {$220.00} -XX/XX/XXXXXX/XX/XXXX {$350.00} XXXX XX/XX/XXXX XX/XX/XXXX {$240.00} -XX/XX/XXXXXXXX & XXXX XX/XX/XXXX {$700.00} XXXXXX/XX/XXXXXX/XX/XXXX {$560.00} XXXX XXXX XX/XX/XXXX {$17000.00} XXXX XX/XX/XXXX {$250.00} XXXX XX/XX/XXXX {$10000.00} XXXX XX/XX/XXXX {$530.00} -XX/XX/XXXX XX/XX/XXXX {$270.00}
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information I have provided therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Checking or savings account

Td bank closed my account with giving me any acknowledgment. I was told if I paid XXXX I would be able to open up an account. Well I paid that XX/XX/XXXX well today is the XXXX and just now finding out my account is closed. Went to the branch was told I need to go to the original bank. Well called the original bank but they cant give me any information they would need to reach out to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I explained to Experian that this account is too old to be reporting to my credit report for XXXX XXXX XXXX XXXX. I have requested that this account is deleted from my report but they still report it.
Product: Debt collection

In reference to my earlier complaint XXXX with LVNV Funding LLC, I have new supporting documentation of all accounts satisfied in full.
Product: Checking or savings account

I opened an account with zions bank around XX/XX/2018. The first issue was that a mobile check deposit that was given to me as a birthday gift for XXXX had been rejected. I had called customer service to ask why, and she said that since I was a new customer that I was unable to deposit checks. The funds cleared a few days later. Around XXXX, I had a payment for a credit card payment for XXXX bounce with no notice. On Wednesday the XXXX, I had went to the XXXX XXXX branch to attempt to close my account. The Teller said I had a block on my account and didn't know why. She was able to call someone in the back office to get the funds released. I ask her to close the account but she was unable to nor was she helpful at all. On XX/XX/XXXX, I logged in to my online banking and see that the XXXX is apparently still there when I took it out on Wednesday!
Product: Debt collection

Jefferson LLC Company sent letters and place two collections accounts on my credit report without providing me a debt validation letter according to 15 USC 1692G. I requested the following : 1.Full detail payment history of the debt.

2. Original contract with my wet signature on it that I agreed to pay this debt.

3. The chain of title 4. I asked if any insurance claims were filed on the two accounts they are attempting ti collect a debt on. I have yet to receive any of this information. I am requesting you follow up and have them provide me with this information and if this information is not provided remove both accounts off of all three credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get these accounts removed from my report because these accounts are were closed because they dont belong to me and they were never late. 

I have contacted the XXXX XXXX XXXX, Experian, XXXX and XXXX and all I have received from the credit bureaus on behalf of the Bank was excuses such as We cant find your file or send us more information at doesnt exist in short these excuses continue unchecked by the Govt and have been irreparably harmed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I lost my job and began the divorce process. I fell behind in mortgage payments with First Horizon. In XXXX I started the process of a short sale and had a buyer. Somehow the foreclosure occurred and First Horizon transferred the loan to XXXX. In XXXX I was contacted by XXXX XXXX and was told I was responsible for $ XXXX because of the foreclosure. They offered to settle for $ XXXX over 60 months. I typically made payments on time, faced other financial hardships but ultimately paid it off. I have about 40 late payments on my credit report just because of this. Because of PMI I may not have been financially responsible for the $ XXXX but I paid anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I sent {$2000.00} via Zelle to my girlfriend 's account, from my FI ( XXXX XXXX XXXX XXXX ) to her bank ( XXXX  XXXX XXXX ), on Tuesday, XXXX XX/XX/2022. Currently, the funds have been removed from my account at XXXX, but have not shown up in her account ( XXXX  ). I have reached out to XXXX and Zelle, and she has reached out to XXXX. All three institutions are pointing fingers at each other, as to where the money currently is. She has incurred several overdraft fees due to monies that I/we expected would be available next business day, per Zelle 's marketing model. Our latest update is that the monies will be 'available ' in her account on Tuesday, as Zelle has set the transaction as an XXXX transaction.
Product: Credit card

Citibank claims I made purchases close to my address, with signatures they claim match my dr.license, these claims are obscure, as I live in XXXX, or. 
I request a geo-location of my cell phone XXXX, time and location to prove my proximity to any activity with a citibank card XXXX I also request any and all copys of signatures mailed to me for inspection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an open auto loan with XXXX XXXX XXXX XXXX that has been paid off. However, before it was paid off, my XX/XX/XXXX payment was marked as 30 days late when the payment was called in on XXXXXXXX XXXX. While on the call the recording stated that the call was being recorded and towards the end of the call I was asked to speak my name again for the recording then the payment was completed. I received a call from XXXX a short time afterwards informing me that my account was 30 days late. I informed them that Id made my payment but after checking with my bank I was informed that they never withdrew the payment. I immediately called XXXX back and made another payment with a representative. I asked if they could pull that recorded to call so that they would know the error was on their end. The representative then informed me that although the recoding says the call is being recorded, it only records if you speak to live agents so they wont be able to listen to it resulting in the 30 day late mark remaining on my report. I have disputed this payment several times now with XXXX XXXX and they werent responding at all until I just recently disputed it with Experian, XXXX, and XXXX while giving my supporting evidence and they just responded as verified. I have no control over XXXX XXXX phone system nor did I have any way of knowing that they were obviously having phone errors as a consumer.