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

This is XXXX XXXX and I am submitting this CFPB Complaint regarding the fraudulent accounts and information I recently found you are reporting on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report with a report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report and I am requesting you to please remove them as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$410.00} XXXX XXXX Balance : {$1800.00} XXXX OF XXXX XX/XX/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 XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX in accordance with the Fair Credit Reporting Act section 605b, please remove the fraudulent items as soon as possible.
Product: Debt collection

My apartment complex sent an incorrect amount into collections. I spoke to agency which until was corrected I did not pay because of misinformation from old leasing complex which I was never contacted about. Agency claimed that it will not impact credit if paid which I did in full and have proof.
Product: Debt collection

IRC services called my brothers phone left a.message that they wwre going to have me arrested for me to contact them. He happens to work with me and hunted me down. The guy was yelling that I didn't pay my payday loan from check n go in XXXX  and he was filing felony fraud charges against me and I would be arrested today if I didn't pay XXXX. He discussed all this with my brother 1st. My brother 's name isn't on any thjng that I've ever borrowed. When I called back he was yelling I had 1 hour to pay. I do have a payday loan that I owe on from XXXX. But there was no fraud committed like he said. He said they would be arresting me today in my way home from work. Can you please help? The phone number he called from is XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' IC System is a financial institution by definition under that title 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' IC System, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they certainly do not have my written consent. All consent to XXXX, XXXX and IC Systems, whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' IC System never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of the above-mentioned companys reporting services.
Product: Credit reporting or other personal consumer reports

I Looked at my report XX/XX/year> and noticed some things are incomplete and not accurate. and In accordance with Fair Credit Reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. the LIST OF ACCOUNTS below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681., XXXX XXXX XXXX XXXXXXXX Open date is not reporting correctly, XXXX # XXXX XXXX date is not reporting correctly, XXXX. XXXX # open date is not reporting correctly, XXXX XXXX XXXX XXXXXXXX open date is not reporting correctly., XXXX XXXX XXXXXXXX Open date is not reporting correctly. 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 hitch 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

Application Number : XXXX Hello, I was hoping you would be able to reconsider my application and see if i can get approved for anything. I do n't care on the credit limit, i just need the help to be able to re establish my credit. I would greatly appreciate any help on this matter.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, with my personal information used fraudulently, leading to items appearing on my report that I was never associated with. I followed Equifaxs guidance and filed a report with the FTC, which I submitted, yet these fraudulent items still remain on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ln accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A States i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not fumish a account without my written nstructions
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check to Bank of America, in the amount of {$8000.00} but the check was payable to my wife. I deposited the check in my account. My wife told me not to deposit in my account. So I called the bank to cancel the deposit. The banker told me it was on hold. I asked why it was on hold, The banker told me the system automatically put the check on hold because it has a different name. The banker said the check may be rejected. The banker said there a debit transaction of {$8.00}, XXXX. He asked if I recognize that transaction. I told him I dont know that transaction. He told me theres a contact number by the transaction and I need to speak to them. The banker transferred me to business credit card department. I was told in the business credit card department that since I had balance on the credit card they took the balance out of my checking account. They did this without my knowledge. I told them its my wifes check. I told them since check is not in my name and fund is not mine, can they reverse the fund. The representative said since its in my account, its considered as my money. After I disconnected the call, I went the branch and told them the check I deposited, belongs to my wife. banker told me If the recipient name is different from the account holder, You can not make a deposit. I told to call the check processing department to find out more about it. I call back to customer service and they said I should talk to the fraud department. On XX/XX/XXXX, I called the fraud department and they said since the name on the check is different, the check shouldnt have been deposited. At that time check was on hold and debit transaction was pending. They said they will reject the check on XX/XX/XXXX midnight and will give me back the check in three business days. But the next day check looks like cleared So I called the customer service again and they transferred me to the fraud department. I spoke with someone in the fraud department again and they told me the check was cleared. I asked why them why the check was cleared after I was told the check shouldnt have deposited so check will be rejected that day midnight and will return it in three business days. The banker just told me check was cleared and no fund can reversed. I was told speak to their investigator. The investigator said they couldnt see image of the check so they couldnt help me. I spoke with fraud department and banker at the branch and was told the check never should have been deposited. 
I think they should give me back the check and Cancel the debit transaction that the bank of america business card department has withdrawn.
Product: Debt collection

Attempt to collect a debt that is not mine. Please investigate Omega RMS, because they 're trying to collect money from me twice with a XXXX different amount at {$28000.00} each account that is not mine.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. I did not authorize those inquiries. I went for information and those inquiries were made to me without my authorization on XXXX by the people at XXXX XXXX. 
Therefore, I request the elimination of these queries since they were not authorized by me and I am being affected by them. Describing them below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not give my authorization for them to do the inquiries, they asked for all my information to be able to show me a car, and I never asked for a quote or anything. I went days after this happened and the finance manager in XXXX gave me a handwritten letter saying that those inquiries should please be deleted, but that they couldn't delete them. I called the XXXX  and they told me that you could help me with a claim that I must attach to them along with a letter so that they can eliminate it.
Product: Credit reporting or other personal consumer reports

Experian has me listed as names I never went by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian has address I was never associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX REMOVE THESE NAMES AND ADDRESSES OFF MY CREDIT FILE IMMEDIATELY, I HAVE ALREADY FILED FTC REPORT AND SENT DISPUTE INFORMATION IN TO EXPERIAN VIA MAIL. HAVE ATTEMPTED ON MULTIPLE OCCASIONS TO DISPUTE INCORRECT INFORMATION ONLINE, THEIR SYSTEM DOESNT NOT ALLOW ME IT INSTRUCTS ME TO CALL XXXX XXXX XXXX, BUT I CANT GET AHOLD TO LIVE AGENT ONLY OPERATOR
Product: Debt collection

I have a a unverified account from CHOICE RECOVERY. I had previously disputed this account. I have never done business withCHOICE RECOVERY XXXX,XXXX,XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records a contract, proof of claim, or any signed documentation for my review.
Product: Checking or savings account

I am getting phone calls from a number saying they are taking care of a legal matter on behalf of TD Bank. Supposedly I was an owner of an account bank in XXXX or XXXX wasn't able to understand caller. They are saying they work for the courts and that the account was over drawn XXXX XXXX and something dollars. They are saying it is now considered fraud. I asked for a letter on a letterhead to be sent to me and she said she couldn't. I have never been a TD bank account holder. She also already had my full social security number and address. 
The phone number that is calling me is XXXX. They leave no business name just saying they are calling form the courts. 
Thye are now also calling my brother and leaving him messages as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in notarized and certified mail to credit bureau in regards to incorrect information on my credit file. there are accounts that have been close since 2009 and is still report on my file and was update from some slimy collection agency in whom I have not went into contract with
Product: Credit reporting or other personal consumer reports

Reporting agencies XXXX, XXXX and Experian are in violation of the FCRA act. I have damages from this violation of them reporting information on my credit report from identity theft. According to the Fair Credit Reporting Act ( FCRA ) Section 605B It is illegal to report information on my credit report without my permission. Please remove the following accounts and inquiries that i did not authorize from my reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts and inquires. I have already submitted a copy of my FTC Report and Police report to all 3 Bureaus numerous times and nothing is being done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase credit card has reported inquiries on my XXXX credit report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I haven't applied for credit with chase card. These inquires are unauthorized.
Product: Debt collection

True Accord reached out by email to pay a debt from XXXX. I paid this in full XX/XX/2020 but til today, this debt has not been report back to XXXX as paid in full ( {$110.00} XXXX. 
I reach XXXX and was told no reports/updates. 
This is the 2nd request XXXX is reaching out to provide paid off. 
I emailed them today requesting update or will file consumer report. 
But after consideration, this is not acceptable as it is not 3  months aging but over 6+ months of NOT reporting this back.
Product: Vehicle loan or lease

I purchased my car four years ago with American credit acceptance it was my first time financing a car and I had no idea about interest rate mine was 28 % which is now 29 %. Ive been paying on my car for four years and my principal balance is currently still the same. I could call and ask how much do I owe no one can tell me besides the fact that Im currently paying interest. When I asked when will I be done paying interest I get no answer because they tell me they dont know the interest doesnt go away. So for four years Ive been paying on a car with no real time as to when Ill be done so Im pretty much stuck in this situation with no way out. Either Ill lose my car in the money i put into it or Ill forever being paying on a auto loan because I was took advantage of by dealerships and finance companies whos agenda wasnt to help me finance cheaper and have a opportunity to get a car but to keep me stuck with my back against the wall with a auto loan Im never able to get out of.
Product: Credit reporting or other personal consumer reports

I just reviewed my consumer report and found several late payments from XXXX XXXX XXXX, account # XXXX, Equifax have the right to provide accuracy but but have bad business practices. According to 15 USC 1681a ( 2 ) ( 1 ), the term " consumer report " does not include any report containing information solely as to payment history or utilization between the individual and the company making the report. I have never late I demand that Equifax update the account to pay on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Date of service XX/XX/XXXX reflecting on XXXX consumer report on the amount of {$19000.00} with Date open on XX/XX/XXXX date from delinquency is 10 months past collections after 60 day never received validation of debt or made aware of the account placed in collections once I reached out there text with serval attempts to settle for less than {$4000.00} without cellular phone consent to text me regarding this account once I investigate the allegations I was made aware that account was pif to original creditor and submitted proof of the explanation of benefits in writing to XXXX to support that account was pif I then received update on XX/XX/XXXX that this account was closed however balance owed still reflecting but with a different amount of {$17000.00} so I proceeded to contact XXXX to dispute account for balance owed to reflect XXXX on XX/XX/XXXX I then check the status of the dispute and I was informed that that the information was accurate by customer service member named XXXX then inquire about whom the investigation had taken place with I was then transferred and informed by XXXX whom stated on a recorded line that she was the supervisor and that the collections agency which the account was closed in XX/XX/XXXX confirmed the information was accurate which is a violation of the FDCPA I also received a letter from XXXX stating that there was no credit history report found and to provide further information to XXXX address that is not listed onu consumer report which is XXXX violation of compliance and false information regarding my report and dispute request I have supporting documents to validate everything in this summary of events to be true and I also was informed by XXXX that I will need a subpoena in order to pull all calls in reference to this situation which is violation unable to give any legal advice for assistance.
Product: Debt collection

I received a letter dated XX/XX/2020 in regards to a debt that was already removed from my credit report. When I tried calling the number provided, I was directed to a scam phone service using the number XXXX. The debt was originally from XXXX XXXX and it has already been removed from my credit report. I refuse to pay credence excellence beyond belief as they have me a wrong amount due ( it should be {$0.00} ) and a fake number to reach them.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention the late payments that are currently reflected on my credit report. After reviewing my credit history, I have identified instances of late payments that I believe are inaccurate and adversely affecting my credit score. 
XXXX XXXX XXXX I understand the importance of maintaining a positive credit history and take responsibility for any oversights that may have occurred in the past. However, I would like to request the removal of the late payments associated with my account, as I believe they do not accurately represent my creditworthiness.

I have attached supporting documentation, including bank statements and payment receipts, to demonstrate that the reported late payments are not reflective of my actual payment history. I have taken steps to rectify any discrepancies and ensure that my future payments are made on time.

I kindly request that you investigate this matter promptly and remove the inaccurate late payments from my credit report. Doing so will greatly contribute to improving my credit score and financial standing. If you require any additional information or documentation, please do not hesitate to contact me