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

I am writing to formally file a complaint regarding several collection accounts that have appeared on my credit report, which I suspect may be a result of identity theft. Despite my efforts to address this issue with the credit reporting agencies and the involved creditors, the matter remains unresolved. 

Upon reviewing my credit report, I noticed the presence of multiple collection accounts that I have no knowledge of and have never initiated. These suspicious accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you for your attention to this matter. I appreciate your efforts in helping victims of potential identity theft like myself find a resolution.
Product: Credit reporting or other personal consumer reports

According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( XXXX ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( XXXX ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; XXXX Permissible purpose {$1000.00} XXXX Defamation of character {$1000.00} XXXX Damaged reputation {$1000.00} XXXX Damaged credit worthiness {$1000.00} XXXX Damaged mode of living {$1000.00} XXXX Infringed on right to privacy {$1000.00}
Product: Money transfer, virtual currency, or money service

Noticed two unauthorized transactions in my XXXX XXXXhecking account from CashApp. Upon investigation I saw that CashApp had paid {$300.00} and {$250.00} within the space of a few hours on XX/XX/2022 to an individual named XXXX XXXX.I know no one by this name. I filed fraud complaint with CashApp. CashApp responded several days later stating that I had made the transaction or that I had authorized someone to make these transactions. This is absolutely untrue. CashApp made this determination without ever speaking to me. I do not know how the individual going by the name of XXXX XXXX was able to hack into my account but it was done without my knowledge or consent. I requested documentation regarding the basis for the.decision to deny claim but as of XX/XX/2022 no documentation from CashApp has been received. Police report has been filed regarding this theft.
Product: Credit reporting or other personal consumer reports

Reporting Agency- Equifax XXXX XXXX XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above unverified are fraudulently being reported on my credit reports that I have disputed several times with Equifax XXXX XXXX and XXXX and each time they keep telling me that these accounts are verified. However none of mentioned credit bureaus could provide me the method or proof of the verification process. None of the above collection agencies have not sent me a copy of the original assignment nor a copy of the original contract signed by me and this is a violation of 15usc1692g of the FDCPA. As a federally protected consumer I have a right to verify the debt and bureaus are fraudulently reporting these accounts based solely on heresy and not first hand documentation or knowledge that the debts and accounts are mine.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I requested an acount be investigated for inaccuracies and to be deleted as it is violating my rights by being reported inaccurate. On XX/XX/XXXX i received an update stating in has been validated to be accurate. I did not receive any documents concerning this validation. I do not have a copy of the account contract as well as the account was charged off and is showing a past due balance but also reports as being written off. The credit reporting agency did not do an actual verification. And account is negatively impacting me because of there negligence. The account in question is XXXX XXXX account number is XXXX and it was charged off as of XXXX XXXX
Product: Bank account or service

I have an interest Chequing account with Ally Bank. The account number, routing number, my signature, home address, date of birth and other vital information was compromised. I called the bank ( also in writing via their secure message process XXXX to confirm that someone having the above information ( and more ) would be able to access the account and withdraw all the funds. The bank representative confirmed that this is the case. I accordingly requested that to prevent such from happening, that they open an identical account, transfer the funds from the compromised account to the identical account and close the compromised account, thus being proactive and preventing any possibility of the party involved carrying out the possible fraud, in this case, robbing me of all the funds in the account, with the ability to do it over and over indefinitely. 
They would not do it at the time I had them on the phone, saying they needed a few days to process the request. I knew that meant they would not do it and my suspicion was confirmed when I received a letter from them saying that because of my credit they could not do what I am asking. This is nonsense since I am not a new customer and I ALREADY have an account with them. All they have to do is as I have outlined herein and avoid the potential and highly likely fraud from happening. This has NOTHING to do with my credit. I already have an account with them and all I want is an identical account, but with a new account number, so the crooks can not steal the little money I have that I need to survive ( eat and pay bills and sometimes not even able to do that ). HELP! This is life and death for me and not a joke at any level. I am barely surviving and it would be catastrophic if one penny was stolen from me. In fact although I do not have or want Overdraft Protection, Ally Bank continually charges me Overdraft Fees of {$25.00} and that means my bills do not get paid and/or I have not money for food. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and SSN/Personal Info was taken. It is all over the news right now. I checked my SSN with their website to see if my info was compromised and it was. Equifax did not secure millions of Americans SSN # s and now, they have set up a service to check if your info was compromised however, they try to lure you into submitting to a credit monitoring service which opts you out of suing in the future. If you check your info at Equifax, DO NOT OPT IN TO THE CREDIT MONITORING SERVICE.
Product: Credit reporting or other personal consumer reports

I contacted TransUnion, XXXX XXXX XXXX to dispute the reports on my account based on the social security fraud that was taken place when I opened any of the accounts, unknowing to me at the time my signature is what created the credit to begin with and I kept receiving bills even though when approved by these companies every was paid and full at time of signature. 

15 U.S. Code 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

15 U.S. Code 1662 - Advertising of downpayments and installments No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. 

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian on XX/XX/XXXX, requesting to investigate and verify the accuracy of the accounts on my Credit Report. The accounts below are reporting erroneous information on my File. Despite the previous written requests sent to Experian, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Experian to investigate the erroneous accounts and have them corrected. 


XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX Dates XXXXXXXX XXXX XXXXXXXX XXXX Late Dates XXXX, XXXX XXXX XXXXXXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX Late Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this CFPB complaint and I am asking for further assistance in order to eliminate these particular items in question which are reporting repeatedly on my credit file. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain a highest scores, be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. For that, I am hopping for your help to delete this items : XXXX XXXX XXXX XXXX XXXX, MO, XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MO, XXXX ; XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$700.00} ; XXXX XXXX  XXXX Unpaid Balance {$0.00} ; XXXX XXXX XXXX  XXXX Unpaid Balance {$700.00} ; XXXX XXXX  XXXX Unpaid Balance {$0.00} ; XXXX XXXX, XXXX XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX ; XXXX XXXX XXXX Unpaid Balance {$16000.00} ; XXXX XXXX XXXXXXXX Unpaid Balance {$700.00}.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to XXXX, Transunion & XXXX regarding inaccurate and unknow things on my credit reports. There have been several unauthorized and unrecognized inquiries added to my report over the last 2 years from unknown sources. I don't have any open accounts with any of these inquiries reporting therefore I disputed the validity of these details and its been 60 days and the Bureaus have not responded yet. Here is the list reporting fraudulently across all 3 bureaus : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

On XXXX XXXX, I went to a Car dealer by the name of XXXX XXXX. I signed the contract in order to finance a car. The contract had an APR of 6.85 with the finance charge of {$5700.00}, and The amount Financed of {$21000.00} with a monthly payment of {$330.00} for 83 months. When I got home and looked over my contract two days later I realized the car dealer had added {$3800.00} into cash price accessories. This was someone I did not realize, I went back to the dealer on XXXX XXXX to get the situation handled where the dealers manager told me it was a " accident '' they had added that fee in. So I signed an acknowledgment of cancel contract with states, " You acknowledge that the contract for the purchase or lease of the above described vehicle entered into between you and the dealer on the previous contract date has been canceled ( rescinded ) and no longer has any legal effect ''. My new contract has an APR of 5.99 with a finance charge of {$2800.00} and a amount of {$17000.00} financed with a monthly payment of {$340.00} for 59 months. When I received my first payment of the vehicle it was based on the First contract and not the second. The car dealer did not send the correct contract. I called the finance company to let them know of the situation, they told me not to worry that they would resolve the problem. A month went by and they did nothing, they told me I had no proof. So I faxed over to them my copy of the correct contract along side the acknowledgment of cancel contract.They told me this would really help them to correct my situation. Another month went by then they told me they would not do nothing unless the car dealer faxed over their copy of the contract. I had to go trough this long process in order to have them fax it over to my finance company. Finally in XXXX the car dealer faxed over their copy of the contract, i was told by the finance company they would finally resolve my problem. On XXXX XXXX they sent all the paperwork to their office to correct. In all this time they have yet to correct my payments and XXXX even after they have received all the paperwork from both parties. They seem to keep pushing my situation to the side, or they find an excuse to not be able to resolve my problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, I sent a letter to Equifax on XX/XX/2021 and I have followed up with them and I have still not gotten a response in regards to the unauthorized inquiries on my credit profile. These inquiries are damaging my score and limiting my ability to obtain adequate housing for my daughter and I. My score seems to have taken a major impact in regards these inquiries with creditors I have no relations with.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to report inaccurate information on my credit report even though the company sent me a letter claiming they removed the disputed information. The following information does not belong to me : XXXX XXXX  XX/XX/2022, XX/XX/2022
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 XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF EDXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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: Credit reporting or other personal consumer reports

LITIGATION IN PROCESS ACT IMMEDIATELY YOU ARE IN VIOLATION THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not XXXX  % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, BBB COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine. 
These items should be deleted immediately while in litigation pursuant to FCRA guidelines. If you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation.
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check from XXXX insurance totaling {$740.00} into my Current Bank Checking account. Current is an FDIC insured financial technology company that offers checking accounts. The original deposit date was set for XX/XX/XXXX. The bank has a hold on the deposits and has not cleared the funds as it has now reached XXXX or more business days. There has been provided no reasonable explanation as to why an extended hold has been on the check or why they would believe that a reputable company such as XXXX would not have the funds. This hold beyond the reasonable time frame has placed an extreme financial burden on my household as I had to use my savings to pay for the car repairs myself. I am now falling behind on payments that can not be made without these funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED SEVERAL ACCOUNTS ON MY CREDIT REPORT THAT WAS OPEN FRAUDENTLY WITH THE 3 CREDIT BUREAUS XXXX, XXXX   AND XXXX. I HAVE ALSO FILED AN FTC REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sold my information to TruAccord without written consent. This is in attempt to collect a debt that is reporting in various companies on 3 different reports. However, the policy reads as follows. 

We collect personal information to provide our services. We do not sell personal information. If you are a business contact, most of the information we have was provided to us by you or your organization and/or collected directly through the use of our website. If you are a consumer in collection, most of the information we have is provided to us by the current creditor and/or collected directly through the use of our services, emails, web applications, and phone calls. If you are an applicant or employee, most of the information we have was provided to us by you through the application or employment process. For more details on how we use, share, and delete personal information see our Privacy Policy.