23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

XX/XX/XXXX WELLS FARGO DEALER SERVICES REPORTED TO ALL THREE CREDIT REPORTING AGENCYS THAT MY PAYMENT WAS LATE. WHEN I SPOKE TO THEM THEY SAID IT WAS A MISPLACED PAYMENT AND I HAD TO REISSUE THE MONEY. I REISSUED IT AND WAS LATER CONTACTED THAT THEY HAD FOUND IT AND WOULD FIX THE CORRECTION BECAUSE I WAS NOT RESPONSIBLE FOR THEIR MISTAKE XX/XX/XXXX I TRADED MY CAR IN TO XXXX. XXXX PAID OFF THE LOAN TO WELLS FARGO DEALER SERVICES. THE LOAN WAS CLOSED OUT AND THEY REPORTED LATE REMARKS ON MY CREDIT WHEN I WAS NO LONGER RESPONSIBLE. 

I RECENTLY CALLED IN TO QUESTION THEM AND ASK THEM TO REMOVE THE NEGATIVE INFORMATION BECAUSE IT WAS INCORRECT. THE SUPERVISOR AT WFDS TOLD ME THAT THEY ARE NOT GOING TO MAKE ANY CHANGES AND I CAN CONTACT THE CREDIT BUREARUS AND IF I FEEL LIKE THIS IS SERIOUS ENOUGH I CAN HIRE A LAWYER. 

I JUST WANTED THE INACCURACIES FIXED BECAUSE I HAVE NEVER BEEN LATE ON ANY CAR PAYMENT EVER. AND FOR ME TO SUFFER BECAUSE OF THE FALSE INFORMATION REPORTED IS WRONG. 
WELLS FARGO IS WELL KNOWN FOR DOING FRAUDLENT THINGS AND I DONT THINK IT IS RIGHT THAT CUSTOMERS HAVE TO SUFFER BECAUSE OF IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate CREDIT BUREAUS ' time to REMOVED some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 EXPERIAN, XXXX and XXXX are required to remove any items listed on an ID THEFT REPORT XXXX. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please remove the followng items Per FCRA 605B ( 15 U.S.C. 1681c-2 ) : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX  XXXX, NC XXXX ; DEPTEDXXXX  XXXX Balance Owed : {$0.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ;
Product: Debt collection

Healthcare Receivables Group has opened an account using my personal information without written or verbal consent. A debt validation letter was sent to this company to verify this alleged debt and documents were sent to me in regard to this letter. The document contained personal medical information for someone with a name, dob, address, and a facility I have never visited that does not belong to me. This company has sent medical records and consent forms from the facility ( XXXX XXXX XXXX ). Healthcare Receivables Group has reported to the bureau incorrect and inconsistent information. Please investigate this company. I have also reached out to XXXX, XXXX and XXXX about this alleged debt that I do not owe. Also remove this alleged debt that I do not owe. I have explained to this company that this alleged debt is disputed. Healthcare Receivables Group opened an account within their facility using my social security number ( credit card for an open ended credit plan ) to collect payment on this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was very upset when checked credit report and found out a few negative accounts. They are fraud and I never opened them before. Please see accounts belong and remove them as soon as you can. 
XXXX XXXX  Date opened XX/XX/2015 Account number XXXX XXXX XXXX Date opened XX/XX/2015 Account number XXXX I attached all documents what you need included Identity Theft report. I have been a victim of identity theft fraud. I have no idea of any of these accounts.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I've tried for 5 months now to get Equifax to release my consumer report, but have been unsuccessful. Whenever I either login online or try to apply for anything, my Equifax credit report is showing not available. I've tried over 20 times to call into their support line, but i alway get transferred to the XXXX and the customer service reps are unable to fix the issue. I've been in need of an automobile for 5 months now and it's causing me lots of stress.
Product: Checking or savings account

I did already complain about a fraud that occurred on my account yesterday they re open the case after I saw my account overdraft - {$1200.00} then I saw positive my account because re open the case but didn't give back XXXX back after the 3 claim was re open XXXX was total {$2800.00} only received XXXX back im very frustrated and Agin I'm overdraft it reversal credit {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting a complaint to you today to inform you that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} EXPERIAN BUSINESS CRED XX/XX/2021. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  informed me that the United State Bankruptcy court provided them an/or reported my information to them in which I wrote the court to find out there procedure for verifying record with the credit reporting agencies. XXXX  still states that its been reported through XXXX XXXX or what they call a third party. Please look into this matter and not over this matter. Have a blessed day and thank you in advance for your time.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section. 15 U.s. 6802 code : Obligation of respect to disclosure of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institutions provides or has provided a notice that complies with section 6803. 
15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

B ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated Identity theft- also known as the Aggravated Identity Theft statute, prohibits the use of another person 's identifying information without their permission in certain circumstances. Felony violations-If someone knowingly uses, possesses, or transfers another person 's identification in relation to a felony, they may be sentenced to an additional two years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social security numbers, driver 's licenses, and more. Account : ( XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I just received an email saying I have purchased XXXX. I don't even want to open the invoice. XXXX gives me the creeps.
Product: Debt collection

I recently filed complaint against XXXX and Zions Collections because they are trying to collect for services I cancelled and paid. I explained how I tried cancelling for months in XXXX, and they keep billing me over and over. I explained how I made a final payment months after I tried cancelling, and they still keep billing. 

I then showed proof of my cancel notices and certified mail receipts of cancelled notices to Brinks and to other collectors who were collecting. Finally, I showed proof I tried to dispute this with XXXX and they still keep collecting. I then file a complaint with your agency showing you XXXX still keeps trying to cheat me and collect on something I cancelled. 

You know what XXXX does? XXXX says my cancelation is invalid because I was past due in XXXX and I tried cancelling in XXXX. It is the dumbest thing I ever heard in my life. What do you mean my cancelation is invalid? They have to accept my cancelation no matter how much money I owe. So just because someone is a past month due, they can't cancel services? So, a company can just keep billing someone forever? We both know that is not true, but the collection is making that stupid excuse to YOU to keep breaking the law and keep trying to collect from me. Now they are saying if I pay this in full, they will delete it. But why should I pay for something I don't owe, already paid, and cancelled numerous times? 

And their excuse is stupid for other reasons too. Even if I was late in XXXX when I cancelled in XXXX, the paperwork they showed me with all the payments says I paid them in full {$320.00} in XXXX and there was {$0.00} balance. That is after I already cancelled Brinks in XXXX in writing. If I cancelled them in XXXX, and I paid them in full in XXXX, then why they keep billing me after that? I will now show you their stupid response they filed to you and their new e-mail trying to have me pay them. 

Must I hire lawyer to sue them? Do they just get to say lies to you and get away with it? Does this complaint even do anything? Please help me to get them to stop collecting this debt I do not owe. I did everything right and I already paid.
Product: Debt collection

For the past 2 years I have received harassing telephone calls to my home and cell phones from a representative of AR ResourcesXXXX XXXX XXXX XXXX, XXXX XXXX Pennsylvania XXXX, XXXX. 

Their Representative has repeatedly called and harassed me over a student loan ( XXXX University ) debt that has been removed from my credit profile. He called me as recently as today. 

I would desire that the representative be disciplined and or fired and likewise the company be sanctioned.
Product: Debt collection

As of XX/XX/2017 i c sytems inc sent information stating to all credit bureaus saying a amount of {$370.00} was owed by me. since then there is negative remarks on my credit report thats has brought my credit score down by 49 points ... i dont have any knowledge of i c sytems or have i ever been associated to i c styems or the original creditor and i do not owe a amount of any.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX has violated my rights. 

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

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

See attached. Instead of processing disputes Chase randomly froze my card stranding me abroad where I needed it to pay for basic living expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent. I just got out of prison and these accounts are not mine 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights.

Under 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as Late for any purpose.
Product: Student loan

In XXXX, I returned to school to get a XXXX XXXX and my undergraduate loans were placed in in-school deferment. I was employed by the federal government and pursuing Public Service Loan Forgiveness. I remained on the in-school deferment until I completed my program in XX/XX/XXXX. 

The new waiver does not give credit for in-school deferments towards the XXXX payments requirements. I feel like we should be given the option to take those student loans out of deferment and make back-payments ( for the same amount we paid back then ) to count towards the XXXX payments for PSLF.
Product: Payday loan, title loan, or personal loan

First heritage Credit in XXXX, TN called asked for the wrong person I asked that the not call the phone anymore and XXXX XXXX or should I say XXXX still did. Also called a work number and was asked not to call there and she called again the next day which is a violation of the fair debt collection practices act. That vey next day when she was told not to call the day before spoke to an HR director asking personal information about an employee. And told the HR director that she was going to garnish the wages when she shouldn't and where can she send the garnishment to. This employee has not even been served so that was a threat when the company doesn't even have a judgement. XXXX XXXX XXXX slandered this employees name and discredited her deformation of character. I spoke with her supervisor XXXX XXXX who works out of XXXX, TN office he said he knows nothing of the issue and that she shouldn't have said that if there was no judgment and employee has not been served. I also called the county clerk office in XXXX to see if they sent anything through there courts in XXXX county circuit court. I spoke with XXXX and XXXX on XX/XX/XXXX she explained she has not filings with the courts under any such name or other names possibly used. XXXX XXXX also said he would contact me by the end of the day to let me know what was going on. I never heard from him and I as well called the office back and he still was not there. This is a violation of practices when the employee has not been served or a judgement nor even a letter to inform her of the account delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One, Sent a letter stating to me, that I need to open a Capital One email..so these people do what? That I sent them a XXXX XXXX dollars for their fee for the year ... 
On their website says I owe more money..for what.? On their website..trying to see where they say I owe them more money..no bill has come to my address, where these XXXX say I owe them ..and they ding my credit..where I had excellent credit and these XXXX, just take it upon their selves to bring my credit down.. 
I put itthis way with those XXXX..once they put my credit back to excellent they will get their XXXX XXXX XXXX XXXX money..otherwise I don't give a XXXX XXXX XXXX..they XXXX up credit..no bill was sent to me .... 
Ask them XXXX did they send a bill to Mr. XXXX and prove it..no they did not .... 
Look at my credit..never been late on anything..and these XXXX phuck me over.. 
I'm a XXXX Veteran was there when I was 18 years ... to XXXX XXXX XXXX ( over my credit.. ask them what bill did you send him ... they didn't didn't send XXXX to me ... otherwise I would have paid them XXXX XXXX XXXX XXXX XXXX XXXX XXXX 





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Product: Mortgage

I am reporting a case of Mortgage fraud, the borrower XXXX XXXX and XXXX XXXX, we sued in superior court and lost, and also lost the appeal, I recorded a judgement on XX/XX/XXXX for the amount of {$52000.00} plus interest. I discovered XX/XX/XXXX that the XXXX had refinanced the house as of XXXX in order to avoid the judgement. I immediately notified the bank and the Title company of the fraud. The bank has done nothing to the borrowers and nothing to satisfy my judgement. I have also been in tough with the Title insurance company, which has stated they are going to do nothing until the bank faces a loss, Amerisave has avoided contact ignoring email and telephone calls. They are allowing this fraud to continue.
Product: Credit reporting or other personal consumer reports

***EQUIFAX*** This collection account I offered numerous times to pay XXXX $ so this ILLEGAL account is removed off my credit report as it is hurting my credit score across all XXXX bureaus. XXXX $ acoount that i never opened. I need to find some type of resolution. Please remove this off my report. 

XXXX XXXX BALANCE {$13.00} XX/XX/XXXX Please remove these illegal items off my credit report. I have contacted these agencies since the beginning of this year. I have been disputing since the beginning of this year in XXXX. I will not stop. These items are illegal please REMOVE this off my CREDIT REPORT!!

Every last one of these inquiries are illegal nor did i attempt to apply through any of these creditors. Please remove these illegal inquiries off my Equifax report. For some reason I had ( 2 ) inquires on my report. As of XXXX for some reason 6 hard inquiries popped up dated long time ago which I never did! 

Please Remove these illegal inquiries off my credit report please!! I like to have my credit report clean! 

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
Product: Debt collection

Sometime in XXXX, Schwartz Vays began contacting me about an unpaid debt of XXXX  fees. When I contacted them back, I asked them who the person was that reported the debt to them. After obtaining that information, on XX/XX/XXXX, I wrote them a letter letting them know that the person who contacted them on behalf of the XXXX was no longer apart of the board as of XXXX and didn't have authority to report accounts to the creditor and I also provided them with verification that they were voted out. The creditor then filed to place a XXXX on my home as of XX/XX/XXXX and are requesting payment of l XXXX XXXXXXXX feel it unfair since they should not have had my information in the first place since the person who reported the debt also should have no longer had access to my information.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of a fraudulent account on my credit report, as provided by your bureau. Upon a recent review of my credit report, I discovered an unauthorized account that I believe to be the result of identity theft. I have already contacted the bank associated with this account two months ago, and they assured me that they would remove it from their records. It has come to my attention that other credit bureaus have already deleted this fraudulent account from their records, raising concerns about the accuracy and timeliness of your bureau 's reporting. Despite my efforts to rectify this issue, the account continues to be reported on my credit report by your bureau. To support my claim, I have filed a complaint with the Federal Trade Commission ( FTC ) and have provided documentation to the bank regarding the fraudulent nature of this account. I kindly request that you investigate this matter promptly and remove the fraudulent account from my credit report. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; EQUIFAX MORTGAGE SOLUT XX/XX/XXXX ; 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 XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.