23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am in the process of purchasing a home and I found a collection account on my report. I called the collection agency ( IQ DATA INT  XXXX XXXX XXXX XXXX WA XXXX XXXX ). They confirmed that this is not my account and that it is reporting wrongfully on my credit report. But, they refuse to remove it on their side. They told me that I need to find the person that owes it and make them pay. That is not place to make someone else that owes them money pay their collection while they damage my credit. This is reporting to both my XXXX and XXXX bureaus and should be removed immediately. 

XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, XXXX, I received a call from someone stating they were attempting to collect a debt. I asked questions about the collection and was not familiar with any information provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this letter XX/XX/XXXX to all the 3 Major Credit Bureaus for investigation on inaccurate data on my credit report. I pointed all the incorrect information from Date of Last Activity, High Balance amount, last payment date etc. all different from each credit bureau. This is impacting me greatly because it is keeping me from making major purchases because of the inaccurate information on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom This XXXX Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX/ Acct # XXXX ) on the date of the last activity section. Transunion is reporting a date of last activity XXXX, XXXX is reporting a date of last activity XXXX and XXXX is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. 
XXXX XXXX  XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Credit Line Credit Line Credit Line Account Type - Detail : Line of credit Check credit/Line of credit Line of credit Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$5000.00} {$5000.00} {$5000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$0.00} {$0.00} {$5000.00} Credit Limit : {$5000.00} {$5000.00} {$0.00} Past Due : {$5000.00} {$5000.00} {$5000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. Charged off account Line of credit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Debt collection

My wife received a text from TSI Transworld Systems Inc, about a XXXX XXXX account. Account number XXXX, She forwarded the text to me, seeing as I handle our XXXX account. I called the phone number associated on the text message, and advised them account number, and phone number. My wife responded Stop to the text which normally means STOP. I advised the company that they had the wrong phone number, and needed to remove the number from their records. I was told they did, received another text the next week, for 5 weeks this has been going on, call back in advise them wrong number, remove number from calling list. but continue to get texts. Under the Telephone Consumer Protection Act once advised of the wrong number they can be charged for each text message received from the company. I have asked them to remove me each time. Each time they advise me, i will be removed, they cant seem to get their act together and remove the phone number. Transworld Systems Incorporated XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I submitted a complaint with my police report showing I have been a victim of identity theft. There were several items taken off of my credit including inquiries that I did not authorize. In XXXX of XXXX I received notice that Equifax had experienced a data breach and information was compromised. On XXXX/XXXX/XXXX I pulled my credit report to qualify for a home loan and a account from XXXX XXXX XXXX was located on my credit report. I have called all 3 credit bureaus as well as XXXX XXXX to resolve this issue. I have faxed over police report and findings and these credit bureaus have refused to remove these derogatory items. I also noticed that I have a inquiry from XXXX XXXX XXXX which I also did not authorize. There is specifically a note on my account that advises credit can not be pulled without my authorization and that has not happened. I truly feel like my right as a consumer under the FCRA have been compromised. Please look into this matter immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I viewed and saw some inaccurate items on my credit report. On XX/XX/year> I sent a letter requesting any incorrect information to be removed. 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. 

LexisNexis has several items on my report that are inaccurate including a bankruptcy that was NEVER reported by the courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Today I called Transunion Fraud Department, and I was told by XXXX XXXX that they could not use my Law Enforcement Report, and the only thing that they could do was dispute it again. I have also reached out to XXXX  and XXXX whom have also involved me in another security breach I can't believe that after I have tried over 30 days to remove fraud off of my account they still refuse to help me. I have taken all the proper measures to get this resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act. The accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 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 U S DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 USC 1681 Section 602A states I have the right to privacy.

15 USC 1681 Section 604 a section 2 it also states a consumer reporting agency can not furnish account without my written instruction.

15 USC 1681 ( c ) ( 5 ) Section states no consumer credit reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than recorded conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has knowledgeable calls to believe the information is in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX  XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX XXXX  XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I mailed in dispute letters to Equifax, XXXX and XXXX. Regarding inaccurate information and clear violations of the FCRA 1681 AND 1681b I never gave any of the companies listed above WRITTEN CONSENT to furnish any of the accounts or information I'm disputing. This situation as cause me stressed and is slowing down my process of getting a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is furnishing accounts on my consumer report that is a result of alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I DID not BENEFIT from any of the transactions. I sent EXPERIAN written correspondence which included my proof of identity, an identity THEFT report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice. 
In accordance with the FAIR CREDIT REPORTING act Convergent Account number XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681a 603 ( d ) - Consumer Report Exclusions. Based on 15 U.S.C. 1681a 603 ( d ) ( 2 ) ( A ) ( i ), the FCRA explicitly excludes from the definition of a " consumer report '' any information that relates solely to transactions or experiences between the consumer and the person making the report. The information, including the reported late payment, falls within this exclusion and should not be considered as part of my consumer report. Additionally, this information meets the definition of no.n-public personal information under the Privacy of Consumer Financial Information regulations and sharing of this information is restricted under the Gramm-Leach-Bliley Act. In light of above information, the credit reporting agency is unlawfully reporting information violating my federal rights. The dates are XX/XX/2022, XXXX, XX/XX/2022 XXXX
Product: Debt collection

ATTENTION TO XXXX XXXX ( XXXX XXXX XXXX & ALL CREDIT BUREAUS AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company.This account has been reporting to my file since XXXX I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$280.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX  in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN or Credit Card ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Money transfer, virtual currency, or money service

I made a wire transfer through my bank at XXXX XXXX, to a recipient bank JP Morgan Chase in the amount of {$17000.00} on XX/XX/2022 the XXXX was fully transferred to chase account to XXXX XXXX XXXX XXXX XXXX. Chase bank refused to give the company the money and they never returned my money too. I have been to XXXX XXXX  so many times to retrieve my money but they claimed the money has already been sent to chase bank and ther is nothing they can do. Moreover, the recipient company has also tried so many times at his chase bank branch they still did not release the Money to him. I will be happy if you will help me retrieve this money from Chase Bank.
Product: Bank account or service

Chase Debit CardCancelled without notification or reason. 
See Attached Statement
Product: Credit reporting or other personal consumer reports

Disputed the balance through XXXX, XXXX, and XXXX XXXX credit reporting companies. Capital One refuses to update the balance on the loan. Balance on credit report shows {$2400.00} as of XX/XX/year> but the balance is actually {$1900.00} as of XX/XX/year> based on payments made. Capital One did the same thing on my last loan account.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$98.00} INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested validation of debt from Mercedes Benz Financial Services from XXXXXXXX XXXX XXXX, which is reporting inaccurate and incomplete credit information in a file maintained under my social security number. I respectfully requested proof of this alleged item, specifically bearing the contract, note or other instrument bearing my signature. Under the fair debt collection practices ( FDCPA ), I have the right to request validation of debt. This is a clear violation of the fair credit reporting act, violation of the fair debt collection practices act and defamation of character. Mercedes Benz Financial Services has failed to provide validation within 30 days and I demand that all references to this account are deleted and removed from my credit file. This issue has been going on for months and is causing undue stress. I look to have this matter resolved promptly.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Delinquency Reporting Comenity Bank XXXX XXXX XXXX XXXX Account ) To Whom It May Concern, I am filing a formal complaint against Comenity Bank regarding the inaccurate reporting of my XXXX XXXX XXXX account on my credit report. Despite my attempts to resolve this issue directly with the credit reporting agencies, this incorrect information continues to harm my credit standing. 

Complaint Details : Creditor : Comenity Bank XXXX XXXX XXXX XXXX ) Account Number : XXXX Issue : Incorrect delinquency reporting Credit Bureaus Affected : XXXX, XXXX, XXXX
Product: Debt collection

A Fraudulent XXXX account was opened under my name and social security number, on XX/XX/XXXX in a state I have never been to or lived in. Upon contacting XXXX, they stated I do not have any outstanding accounts, for that reason I do not have an account number to provide. The account I can not get any information about was turned over to XXXX Attorney group by XXXX XXXX XXXX number # XXXX. They also agreed this was Identity theft. I filled a police report with XXXX Police XXXX. in XXXX, CA where I live, # XXXX and provided that to all parties. I thought this issue was resolved after contacting all parties involved and providing all of the necessary documents and proof that this account was not opened by me and is indeed identity theft, only to discover XXXX placed me back into collections on XX/XX/XXXX. I am now having to redo the entire process again to clear my name and credit. The victim has to jump through a XXXX hoops to clear their name, when they perpetrator had no issues using my information to open a fraudulent account. XXXX recommended I file a complaint through this sight. I was not contacted by any company regarding this collection. I only discovered it when I reviewed my credit report. When I provide the companies information in the following questions it's for your reference only, not because I receive any type of communication from them about this collection. I had to research and contact them.
Product: Payday loan, title loan, personal loan, or advance loan

I have tried paying for my loan, and every month have had problems. They will only accept my personal card, sometimes. Each month this happens. Each month they charge late fees. Each month my credit drops. 
Every time I call the company i spend hours on hold, with my XXXX while they make false promises of " fixing '' the system, " retrying '' my cards, and it never works. Each month they add late fees. And the process repeats. 
I have asked to send a check, pay with cash, anything, but no, they only accept a debt card. The problem is I only HAVE debt cards. And they wont accept them. So, theres no way to pay for this loan. Its a scam. 

I have contacted my bank aboutthis, they say everything is good on their end, and they have investigated. They have told me its the companies fault and the company needs to fix the problem. 

I am so scared and do not know what to do. I have tried everything. The company is a scam. 

I guess I should have asked for call records, but I have not had to do anything like this before. The company has said and told me multiple times they are putting in investigations into my account for the reason why the payment is failing, they've told me they are putting a hold on the payment until they resolve the problem, which they never did, and they have told me they will make a record of the issue on my account, so there should be a record on their end. 

WHEN I ASKED FOR MY LOAN NUMBER THEY SAID THEY DONT GIVE THAT INFO OUT. so the number listed is thre only thing i could find.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Suncoast Credit Union XXXX XXXX XXXX XXXX, FL XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. 

I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, in addition according to my rights under 15 USC 6804 financial institutions are required to safeguard and protect nonpublic information collected from consumers and I believe my privacy rights have been violated. 

On XX/XX/year>, I notified Suncoast Credit Union that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that Suncoast Credit Union has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Suncoast Credit Union complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by Suncoast Credit Union. 

Please feel free to contact me at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights. 

I have reached out to the institutions in this complaint about my nonpublic information being shared to third parties as well as the consumer reporting agencies. I have opted out of having my information shared yet I have not received response nor have this information been removed from my report. Documentation to follow.
Product: Credit reporting or other personal consumer reports

inquires on account I was unaware and not accurate.