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

I filed a Bankruptcy in XXXX. I also purchased an automobile through Well Fargo in XXXX. I called Wells Fargo and told them that I was filing Bankruptcy. I later received a packet of documents in the mail to complete. I called Wells Fargo and told them I was going to continue to make my payments that the vehicle was not included in the bankruptcy. I asked if I need to go ahead and complete all of the paperwork in the packet they sent me. I was told no, just continue to make my payments. What they did not tell me was that it would show up on my credit report ( XXXX XXXX ) as the vehicle was in the Bankruptcy with the balance showing {$5600.00}. 
I have paid the automobile off there is a {$0.00} balance on it. I can and will produce documents to this effect if need be. I have made my payments mostly with a debit card out of my bank accounts and can get copies of all of my statements. 
All I want is for Wells Fargo to correct the credit reports, they have refused to do that so far. 
I have attached documents confirming I claimed the automobile as exempt and also a copy of the last/final payment to Wells Fargo.
Product: Checking or savings account

For reasons I do not understand, I discovered that a fraudulent Chime account was created in my name, using my email, XXXX, mailing address, and other personal information. I called Chime to try and report this fraud, however could not talk to a real person. To make any progress to address this problem, I had to setup an online profile and download the Chime app. Upon opening the app for the first time, I was immediately offered a four figure loan, which I declined. I opened the chat function in the app to explain that my account was fake and the result of identity theft. Chime Support replied that they could help me, but the only way to close my account was to provide Chime ( who may very well have a hand in this fraud ) with the last four of my SSN. Initially I refused to do so, but seeing no other option, I closed my account via the app ( providing the requisite information ) and promptly deleted the app from my phone. A few days later I received a Chime credit card, which I destroyed. A week later, I received a client communication from Chime, despite the fact that I have done what I can to close the fake account and discontinue any relationship with the company.
Product: Debt collection

This was a payday account with XXXX XXXX, a debt collector Vance and Huffman LLC reported the negative item on XX/XX/2021. They had bought off payday loan debt from XXXX XXXX and now has reported it to the credit breaus as a negative item in which they have no identification or verification that I signed ( wet signature ) and owe them this debt that was sold to them because I never had a contract with Vance and Huffman LLC. This should be remove/dispute off my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureaus and provided them with written notice on XX/XX/2018, that I was a victim of identity theft and contacted the Federal Trade Commission. I contacted Equifax and asked for XXXX XXXX XXXX ( Account # XXXX ) and XXXX  ( Account # XXXX ) to be removed. I also contacted XXXX  and asked for XXXX XXXX XXXX ( Account # XXXX ), XXXX XXXX XXXX ( Account # XXXX ), XXXX XXXX XXXX XXXX ( Account # XXXX ) and XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) to be removed.
Product: Debt collection

I am a victim of identity theft .This creditor is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them i never applied for their card and they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress.
Product: Debt collection

I've never done any business with this company. I never signed a contract with this company. No one has any permission from me saying that I agreed to do any business with them either. Therefore, I want this item deleted from my credit report immediately. 

Thank you,
Product: Debt collection

XXXX has placed account into collection with 4 different collections agencies. Each time we dispute the debt they do not reply within the 30 day timeframe and sell the debt to a different collection agency. They are reporting negative information on my credit report and have no right to do so, since they are in violation of the FDCA and FCRA. We have Cert RRR confirmation for each time we disputed the debt with each credit reporting agency.
Product: Debt collection

Reviewed most recent credit report and I noticed a collection that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the collection disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection in question did not belong to me. 

Under code 15 USC 1692g, 15 USC 1681C-2 & 15 USC 1681S-2 this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and ability to obtain new credit to purchase a home.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : DEPTEDXXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX, XXXX : XXXX, XXXX XXXX XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Experian credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loan opened at XXXX XXXX XXXX on XX/XX/XXXX Account number XXXX. This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to unlock my credit score with Experian. I successfully utilized their online system and confirmation that my credit score was unlocked appeared at the end of the process. That was on XX/XX/19 and a creditor is still getting notifications that my credit is locked with Experian (it's been 3 days). I attempted to contact Experian via their XXXX XXXX XXXX customer support number and they do not have a live customer service line for consumers. The automated system does not serve my needs, as past attempts to resubmit my credit unfreeze request were unsuccessful with their automated system. They are holding my credit hostage and preventing me from providing this information to a creditor. They are failing to provide an adequate level of customer service to support this issue.
Product: Debt collection

Contacted both companies on XX/XX/XXXX and several times before this. I have try many times to explained to them that I have been a victim of identity theft for many years and this account those not belong to me. I have submitted police reports and much information need and it's still being charged to me and place on all 3 credit report agencies. This is a result from a car accident I had back in XX/XX/XXXX with no fault of my, the other person was at fault and fled the scene, within 2 weeks of the accident the hospital put a lien on my name and send me to credit report agencies of not paying them when I was still in the hospital, had to file a law suit and it's in pending ligation.
Product: Credit reporting or other personal consumer reports

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 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX inquiry Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XXXX inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. These addresses and inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX Please delete these inquiries I do not have these accounts nor ever applied for them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached are documents from my credit report with the inquiries shown. Also there is a copy of my XXXX XXXX claim number along with other documentation you may need to handle this matter promptly as possible. 

I have tried to get these removed multiple times but they were not because they are tied to fraudulent closed accounts the fraudster used.
Product: Student loan

My personal, private, identifying information ( PII ) was breached during an alleged " audit '' being performed by the supposed Department of Governmental Efficiency ( DOGE ) and XXXX XXXX. This individual is not an elected, nor vetting or otherwise qualified federal employee, and neither are the individuals working on his behalf. As of the week ending XX/XX/year>, I can not rely on the Department of Education nor any XXXX-parties that they access to my information to protect any of my most sensitive information including, but not limited to my : social security number, birth date, first, middle, and last name, former and current residences, former and current employment, and financial date. The disclosure of my PII was done without my prior consent and continues to be at risk without any notification from any federal institute or representative. The individuals involved in the current disclosure of my PII have no relation to me or the educational agencies or institutions. I became aware of the data breach the week of XX/XX/year> from an XXXX XXXX and other news articles. I have not received any communications from the department or any other federal entity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/XXXX Experian, XXXX XXXX XXXX, XXXX XXXX TX XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, Experian I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below XX/XX/XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted.

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ).

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis has been reporting an old inaccurate bankruptcy on my credit reports since XX/XX/XXXX. I have sent them a letter regarding the inaccuracies that's being reported to XXXX and on XX/XX/XXXX I was sent a response from XXXX that the incorrect information has been investigated and is accurate. I responded to XXXX and explained that LexisNexis is reporting the wrong date and it's been 10 years reporting these inaccuracies and should be deleted by now. The other information that's incorrect is the status of this bankruptcy that was immediately discharged due to me not pursing it so it should've never been reported. XXXX did not do an investigation before reporting to XXXX. This bankruptcy was removed from XXXX XXXX as it has inaccuracies. I called XXXX on XX/XX/XXXX and spoke to someone named XXXX who said they will start a dispute and that's when LexisNexis reported that this over 10 year account is accurate when it's reporting inaccurately. The account # XXXX. I called the XXXX Bankruptcy court on XX/XX/XXXX & XX/XX/XXXX and was informed by a person named XXXX that they do not report to credit bureaus but LexisNexis gets consumers information and reports and don't always report accurately. XXXX also told me that bankruptcies only remain in the system for 7-10 years and what was reported for me was passed 10 years. This should immediately be removed and not continue to report inaccurate data & dates to deframe my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained and asked multiple times American Advisors Group ( AAG ) a simple question. Where in section 604 of the FCRA does it allow a COMPANY to receive verbal permission as authorization to access a person 's credit report? All they have to do is supply the section and paragraph in FCRA Section 604. However they cover up and dodge the question, make matters worse, and simply state " we had appropriate permissible purpose under FCRA Section 604 '' and continue by stating " We are also confident in the process and partners used to complete this action and reaffirm that our process has been thoroughly vetted and meets all applicable Federal and State requirements ''. Then they continue by making me seem uneducated and alluding I am unhappy about the outcome of my application. I was not properly vetted by AAG and my barndominium is excluded for financing. The question is simple - Where in Section 604 of the Federal Credit Reporting Act ( FCRA ) does it allow a COMPANY to receive verbal permission as authorization to access a person 's credit report?
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute certain information on my consumer report as provided by your agency. I am raising this dispute under the provisions of 15 U.S.C 1681b, specifically focusing on the permissible purpose clause, as I have never provided written consent to your agency for the inclusion of this information on my consumer report. This lack of consent is a concerning issue as it may be indicative of identity theft, and I have already filed a report with the Federal Trade Commission ( FTC ) under Reference Number XXXX. 

The following accounts are being reported on my consumer report, and I request their removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I would like to clarify that my dispute is not with the original creditors of these accounts but with your reporting agency 's inclusion of this information on my consumer report without my written consent, which I believe violates the permissible purpose provision under 15 U.S.C 1681b. According to 15 U.S.C 1681C-2 , it is mandated that these items should be removed within the statutory time frame. 

I kindly request your prompt investigation into this matter and the subsequent removal of the aforementioned items from my consumer report. Please provide written confirmation of the removals made and a copy of my updated consumer report once the necessary corrections have been completed. 

I expect this matter to be resolved in accordance with the Fair Credit Reporting Act ( FCRA ) and the laws that protect consumer rights. Your immediate attention to this matter is greatly appreciated.
Product: Debt collection

On XX/XX/2016 I feel and hit my head at work. I went to the emergency room at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fl. XXXX # XXXX. 
The company I was working for XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fl. XXXX. # XXXX. The company paid the hospital bill because it was a XXXX XXXX   claim, but they did not pay the doctor bill. The doctor bill is from XXXX XXXX XXXX at XXXX XXXX emergency billing department XXXX / XXXX. 

I have called XXXX. XXXX  numerous times and they tell me someone will call me back but they never do.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to Equifaxs negligence.

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

XXXX - XXXX - {$0.00}
Product: Debt collection

This company I have never heard of or heard from is continuously reporting on my credit report that I owe something that they have yet to prove that I owe or that I have owned. Account number reported on credit report is something they do n't recognize.
Product: Credit reporting or other personal consumer reports

I am reporting a tradeline associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which was shut down and issued FDIC enforcement orders in 2008 to cease reporting and delete certain accounts. Despite this, a related account is still appearing on my credit report under Continental Finance Company ( CFC ). I have requested verification and removal, but the account remains. I believe this violates FDIC orders and possibly the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

On XX/XX/2019 Portfolio recovery associates llc filed a lawsuit against me in XXXX court without serving me with proper summons. PRA also tried to get a default judgement against me on XXXX with out me having the right of representation. In the past I requested from PRA proof of contract for the credit cards with XXXX XXXX  which PRA has purchased the charged off accounts for less than the owed amount. I received junk mail notifying me that PRA had filed a civil case against me as they were offering their services to assist me with my case.
Product: Checking or savings account

Chime has suspended my account because they say I havent sent in information theyve asked for! Ive been sending information since XX/XX/XXXX. They keep saying its not sufficient evidence. They asked for my license to unlock my account on XX/XX/XXXX and my account is still locked! I have deposits coming into that account that are too late to change!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$6600.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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