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

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$490.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has kept an auto loan on my credit report that no longer belongs to me. A judgement by the Arizona XXXX XXXX states very clearly that any and all debt related to the XXXX XXXX XXXX shall be awarded to my ex spouse. 

I called the company in XXXX where I was cursed at and received follow up harassment calls until I blocked the number. I have sent the dissolution of marriage document as proof. 

The definition for contempt of court according to Arizona law 12-861, " A person who willfully disobeys a lawful writ, process, order or judgement of a superior court by doing an act or thing therein or thereby forbidden. '' Forbidden in this case would be this car loan for a totaled vehicle still affecting my everyday life when judgement was clear. By the book, XXXX XXXX XXXX is guilty of contempt of Court. 

XXXX XXXX XXXX has a history of predatory behavior, and ignorance of the law. For example, in XX/XX/XXXX, XXXX XXXX XXXX was ordered to pay {$27.00} XXXX for the exact same reason as I mentioned, " Unfair acts or practices related to the collection of loans or repossession of automobiles. '' I will attach the lawsuit documentation as reference.
Product: Debt collection

Northstar Location company keeps calling myself, my son and my daughter about my other daughters debt. Informed the company to stop calling us about the debt and it is there job to find the person. Told them to not call anymore and they called again today.
Product: Credit reporting or other personal consumer reports

I understand that only hard inquiries made without my consent are eligible for removal. To that end, I affirm that I did not authorize the above-mentioned inquiries and request that they be investigated and removed from my credit report. 

XXXX. XXXX XXXX ; XXXX Date : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX 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 the following accounts has violated my rights : XXXX XXXX - The payment status is incorrect. 
Account Number : XXXX TransUnion/ Experian/ Equifax XXXX XXXX The payment status is incorrect. 
Account Number : XXXX TransUnion/ Equifax XXXX XXXX Account Number : XXXX TransUnion / Experian / Equifax XXXX XXXX XXXX This account is duplicated. 
Account Number : XXXX Equifax XXXXXXXX XXXX Account Number : XXXX TransUnion/ Experian/ Equifax XXXX Account Number XXXX XXXX TransUnion/ Experian/ Equifax
Product: Credit card or prepaid card

This account is way older than this Portfolio Recovery says it is the last payment made was long before they state and they keep moving date up to make it look as though the account is still open and its not it was charged off there and XXXX XXXX XXXX  accounts that the date of last payment recieved by them is longer than 7 years ago so this should be long gone from my credit report Im already getting new credit from XXXX XXXX  thats how old it is
Product: Debt collection

The company could not find the account that is being reported on my credit report. The company was not given consent to use any of my information. The accounts was charged off and I never received the 1099C.
Product: Debt collection

These matters are at a minimum intentional gross negligence and at worst just plain fraud, SOUTHWEST CREDIT SYSTEMS XXXX, I have a unverifed account with your office and I do not recall ever having done any business with this company. I believe this account to be a HIPPA violation and I would like to see the contract for business of service.
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries. I have no knowledge of this, and the company proceeded without my CONSENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

Jon Barry & Associates , Inc DBA Paragon Revenue Group are debt collectors attempting to collect a debt on behalf of XXXX XXXX I have not received from them. I am not a party to their agreement with XXXX XXXX XXXX and I have not agreed to pay anything to Jon Barry & Associates , Inc DBA Paragon Revenue Group. I have no idea how Jon Barry & Associates, Inc DBA Paragon Revenue Group received my private medical information. Jon Barry & Associates , Inc DBA Paragon Revenue Group have once again violated my H.I.P.P.A. rights and is attempting to collect on an alleged debt that does not belong to me. Jon Barry & Associates , Inc DBA Paragon Revenue Group continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods.
Product: Checking or savings account

I opened account with debit card XXXX and they closed account down as I tried to use account they made me pay XXXX for checks. They charged unneeded fees of about 200 for discriminatory reasons. They also made me pay unneeded fees in another account of 200 plus. They failed to give promotions of XXXX ; they failed to give keep the change promotions, they discriminated against me by closing my account down, they failed to take complaints about fraudulent charges to my credit card of about 8000 for insurance I did not want. They took ideas like Economic Simplicity indicator and photos on id 's to get access to funds if someone steals a wallet with no id 's available
Product: Checking or savings account

On XX/XX/XXXX I went to the Bank of America branch located on XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX to make a deposit of {$300.00}. I had XXXX XXXX  bills and {$170.00} worth of XXXX XXXX XXXX XXXX  coins wrapped in {$25.00} coin wrappers. ( Bank of America do not except coin unless they are in coin wrappers. ) I was buzzed into the business account room and XXXX XXXX handle my deposit, I had XXXX rolls of XXXX  coins he unrolled every coin wrapper and counted each and every coin separately and then reroll all the coins in there original wrappers. The bank was very busy and this was time consuming. I'm XXXX  and my back started hurting so sat down and waited for him to finish. I've deposited XXXX  coins often and a teller has never unrolled my coins!! I felt harassed and embarrassed. I felt I was treated this way because the XXXX of my skin. Later I called the manager but was told she was out so I spoke to the assistant manager XXXX XXXX and told her how I felt and was told every thing in the bank most be counted. In XXXX of XXXX I talked to XXXX XXXX the bank manager and she said she knew nothing of the complaint even though I also filed a complaint with customer service. In XXXX I received a call from the bank and was told that everything needs to be counted but would not address my complaint that I was racially profiled I requested to speak with someone else. In XXXX I received a call from a person named XXXX and again was told the bank needs to count everything and Bank of America considers this matter was closed.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of an account on my personal credit report, as it violates consumer protection laws. 

This is a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches.

I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 

Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several fraudulent accounts that have appeared on my credit report. These accounts do not belong to me and were opened without my authorization. I respectfully request that you remove them from my credit report IMMEDIATELY THEY ARE BRINGING ME FINANCIAL HARDSHIP. 

The accounts in question are as follows XXXX XXXX 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 I have taken the necessary steps to report this fraudulent activity to the appropriate authorities, and I have also filed a report with the Federal Trade Commission ( FTC ) and have included the FTC along with my complaint
Product: Checking or savings account

JP Morgan Chase Bank negotiated a fraudulent check in the amount of {$25.00} against my personal checking account at XXXX XXXX XXXX XXXX on XX/XX//2020. The check had neither of the two Account Signer 's signature, nor did either Account Signer authorize said check. The payee on the check, XXXX XXXX XXXX XXXX XXXX, is a business which is unknown to both Account Signers, was not engaged for any transaction. After performing a XXXX search, there are several other individuals affected by this same type of fraudulent check transaction and all for similar small dollar transaction amounts. I have contacted my credit union on XX/XX/2020 to alert of the fraud and the credit union has closed my checking account to avoid further fraud. Note, this is a checking account I have maintained for 27 years without any incident. The result of this fraudulent activity resulted in numerous hours to reset all auto debit of payments to a new checking account and more importantly reset my payroll direct deposit to a new checking account. Due to the pandemic, I could not walk into my local branch to open a new checking account, it had to be completed online and will took 2 business days to complete. 
JP Morgan Chase Bank clearly is not conducting proper KYC/CIP   protocols and should be held accountable, as well as, XXXX XXXX   XXXX, XXXX. 
JP Morgan Chase Bank has not responded to XXXX XXXX XXXX XXXX to refund the fraudulently debited funds.
Product: Debt collection

I have requested XXXX and associated companies no longer contact me via work where they have been harassing other employees, frequent phone calls after XXXX. They are now contacting FAMILY MEMBERS that live out of state that they have no way of even knowing these people 's phone numbers. I have advised them on XX/XX/19 that I am filing a complaint with CFPB as well as having an attorney contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, XXXX and their 3rd parties nonaffiliates are sharing and using my nonpublic personal information without my consent. Causing harm to not only my reputation but invading my federally protected privacy by violating the Fair Credit Reporting Act and Gramm Leach Bliley Act while doing so. SEE ATTACHMENTS
Product: Checking or savings account

I opened a personal checking account with CitiBank on XX/XX/XXXX. 

XX/XX/XXXX, my paycheck direct deposit funded a balance in the account. 

Since XX/XX/XXXX, I have been unable to login to my account to pay bills or transfer money as they never sent me a debit card. 

XX/XX/XXXX I called 5 different departments only to be told my account has been closed and my relationship with Citibank is to be completely terminated, I have received NO COMMUNICATION of this or a reason why. My money is being held captive with no estimate as to when I will receive the balance or an understanding why I have been terminated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have submitted documents to the company and the credit bureau proving that the accounts listed below are inaccurate and should be deleted immediately ... ..they are also fraudulent. on my Experian report it is listed as XXXX XXXX account XXXX XXXX opened on XX/XX/XXXX on my XXXX report it is listed as XXXX XXXX account # XXXX opened on XX/XX/XXXX also on my XXXX report XXXX account # XXXX amount {$53000.00} is completely fraudulent and is not showing on any other of credit bureaus reports... .. inaccuracies alone is cause for this to be deleted immediately! They are also Fraudulent. The company refuses to remove these accounts knowing they are wrong and fraudulent. Please assist me in getting this done... ..the BUREAUS are always intentionally destroying our lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed a collection from XXXX XXXX appearing on all credit reports the collection company XXXX responded to CFPB stating the collection item was placed on hold pending a financial application review from original creditor my problem is the collection company continues to report item to the 3 credit bureau companies if in face the original creditor requested a hold why is it still being reported? 
Original response from medicredit is attached showing item is placed on hold
Product: Mortgage

looking at my second mortgage and I feel it is not legal. on XX/XX/XXXX i obtained a second mortgage " from a friend that was a broker ''. It is from specialized specialized loan servicing in highlands ranch co. the payments are {$330.00} with {$24.00} going to the principal the annual percentage rate is 14.069 % with a balloon payment due XX/XX/XXXX of {$25000.00} finance charge is {$57000.00} the amount financed is {$28000.00} total payments {$85000.00} with a balance due as of today of {$27000.00}.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/1990 My correct Social Security XXXX My correct address is:XXXX XXXX XXXX XXXX XXXX, Florida XXXX My employer is : XXXX XXXX XXXXXXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls.

Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Product: Debt collection

I filled complaint with bureau, they responded with a debt validation letter stating it was sent to me by email on XX/XX/2021 at XXXX I looked up my email on that date and time nothing was sent to me at the email address they said they sent it to.I also see that from the letter they sent to cfbf is not my signature and the signatures are forged. I am requesting the original documents from western dental stating that you now have the right to collect any debt from me that isn't mine. I also want to see the documents that state I OWE YOUR COMPANY PROFESSIONAL BUREAU OF COLLECTIONS ANY DEBT
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This is your final notice. I am demanding an immediate and thorough explanation of every step your agency has taken to ensure the items on my credit report are 100 % accurate, as mandated by 15 U.S.C. 1681i ( 7 ). Under this law, you are legally required to provide me, within 15 days, a full description of your reinvestigation procedure, including the names, addresses, and telephone numbers of every furnisher of information you contacted to verify these disputed items.

I have previously notified your agency that I am a victim of a Data Breach/Identity Theft. I have also filed an FTC Report, confirming my status as a victim. Despite my explicit demand that you block and remove all fraudulent information from my credit report under 15 U.S.C. 1681c-2 ( c ) ( a ), you have negligently failed to comply. This is a gross violation of federal law and my consumer rights. 

The following item remains wrongfully listed on my credit report, and I demand it be removed immediately : XXXX XXXX - XXXX - Under 15 USC 1666b Timing of payments You're required to obtain verification from the DATA FURNISHER. I need to see all the paperwork that proves you did an independent investigation. I need proof that you didn't just send an electronic response to the creditor. Reverse these inaccurate late remarks XXXX - XXXX - 15 U.S Code 1681b-Permissible purposes of consumer reports and 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers Right to privacy - Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX - XXXX - 15 U.S Code 1681b-Permissible purposes of consumer reports and 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers Right to privacy - Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

Listed below are the Inquiries that are being challenged : XXXX - XXXX Verify that these inquiries belong to me. - Please remove it from my credit report. 

XXXX XXXX XXXXXXXX Verify that these inquiries belong to me. - Please remove it from my credit report. 

XXXX XXXX XXXX - XXXX Verify that these inquiries belong to me. - Please remove it from my credit report. 

XXXX XXXX XXXXXXXX Verify that these inquiries belong to me. - Please remove it from my credit report. 

XXXX XXXX XXXX - XXXX Verify that these inquiries belong to me. - Please remove it from my credit report. 

XXXX - XXXX XXXX that these inquiries belong to me. - Please remove it from my credit report. 

XXXX XXXX XXXX XXXXXXXX Verify that these inquiries belong to me. - Please remove it from my credit report. 

XXXX XXXX XXXXXXXX Verify that these inquiries belong to me. - Please remove it from my credit report. 

XXXX CA - XX/XX/year> XXXX that these inquiries belong to me. - Please remove it from my credit report. 

XXXX XXXX - XX/XX/year> XXXX that these inquiries belong to me. - Please remove it from my credit report.
Product: Vehicle loan or lease

I financed by vehicle through Ally in XXXX. I recently paid off my balance in XX/XX/XXXXXXXX XXXX I have been waiting for a month for my title to be mailed to me and have not received anything. I called Ally to ask where my title was sent to so that I could follow up with them. They told me that my title was sent to Virginia. I lived in Virginia from XXXX and updated my address with Ally twice since moving. I asked the representative why my title was sent to VA, and they could not provide an answer. I was transferred to 5 different representatives over two hours and was told that it was my fault because I did not update my address. I told them that I did indeed update my address both online and by phone, to which they said that I did not change my address " correctly. '' When asked what that meant, I was provided with no explanation. I was told that I could take my " paid in full '' letter to the Pennsylvania DMV ( the state that I currently live in ) and they would issue me a clear title. Since the DMV is only open during typical business hours, I will need to take an unpaid day off from work to do this. I do not feel that it is my responsibility to fix Ally 's mistake. In a letter that was " sent '' to me ( meaning it was in my online messages and mailed to an address in VA, one that I never lived at ), it stated that my title was electronic. When I asked if Ally could reissue the title electronically to Pennsylvania, I was told that my title was not electronic but paper. I asked when this happened, since the electronic letter that I received in XX/XX/XXXX stated that my title was electronic. The representative offered no insight and stated that the information in that letter was incorrect. 

They sent my title to an address in Virginia that I never lived at ( they had the correct building number but put XXXX XXXX and I lived in apXXXX XXXX XXXX XXXX  does not exist in that building ). When I explained that, they said that I gave my address " incorrectly '' when I moved. I didn't, considering XXXX XXXX does not exist in that building! I have asked them to reissue my title in the correct state, which is Pennsylvania, and they refused. I now have to miss a day of work and a full-day 's pay in order to fix an issue caused by their incompetence. Ally is not willing to take responsibility and claims that even though I called to update my address, I did not update my address correctly, whatever that means.