23daVinci/CFPB_Complaints huggingface dataset:
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 on how to remove the fraudulent items 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 any items 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 Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX XXXX Balance : {$2700.00} ; 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

On XX/XX/23 I contacted XXXX XXXX, and spoke with XXXX in customer service. I informed him, that I received an offer through XXXX XXXX. In addition, I asked XXXX, what credit bureau do you use, and whats the target score for refinancing? He told me, we use Experian, and you need a XXXX minimum score. XXXX also requested my identity be emailed. I gave him the mileage and payoff verbally, emailed drivers license, insurance card, and registration. Afterwards, he ran my credit he blantly lied, that my Experian score was XXXX, I told him he wasnt being honest, and emailed the Experian score XXXX, and XXXX XXXX XXXX offer. Next, he lies about me being {$6000.00} over, he had the payoff, and didnt tell me I was over the limit. He never should have ran my credit. The manager XXXX continually lied, that my file was with a special team. I requested my points be reversed for the credit pull, and more lies and shenanigans is all I received.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 
XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit card

I canceled both XXXX subscriptions and Im still being charged for them. I have reached out to both the credit card company and XXXX and I am still being charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX  account # XXXX XXXX  account # XXXX, XXXX account # XXXX XXXX  XXXX account # XXXX XXXX  XXXX account # XXXX XXXX/XXXX  account # XXXX XXXX/XXXX XXXX account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX/XXXX  account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX  XXXX  account # XXXXXXXX XXXX XXXX account # XXXXXXXX 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 furnish a account without my written instructions
Product: Debt collection

A XXXX credit account was opened in my name fraudulently issued through XXXX XXXX I reported it to XXXX XXXX and they agreed to remove it. now they continue to send it to collection agencies and threaten me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified that I was part of the XXXX data breach via a letter on consumer file I was also notified my information was appearing on the dark web. I signed up for credit monitoring tools.I was notified by my credit reporting tools that my credit report was released to Banks without my consent or application. I immediately called same day and reported that as fraud. Both organizations blamed the other for approximately one month from today as I continued to call back andattempt to get the inquiries removed from my credit report. The following month I received a letter from these inquiries below per a request to open a checking account which I did not request or apply. I notified these banks who immediately took action and helped me file a 7 year fraud alert on my credit report with these banks who also did same with the other to credit reporting agencies. HOWEVER, these banks sent me a link to do same with XXXX since this was a request for checking account in my name Please help me look into this matter XXXX cant open a bank account
Product: Debt collection

I am appalled of the fraudulent practices of Convergent Outsourcing , Inc . They are deceptively attempting to bill me for a bill that was paid. Even with evidence of such, they have overlooked and disregarded the facts and still attempting to collect. 

1. As evidenced in attachment A, Convergent is attempting to collect a debt for XXXX XXXX. I have no account balances with XXXX XXXX. 
2. As evidenced in attachment B, I switched to another provider from XXXX XXXX. After I terminated their services, was told that any additional fees would be waived due to my poor experiences with them, and all equipment was returned, I receive this XXXX XXXX. Even though I disagreed with the subsequent billing, I felt it was nominal in comparison to just getting rid of XXXX XXXX. This amount was paid to XXXX and I have proof/confirmation that the bill was paid. 
3. As evidenced in attachment C., even XXXX has documented my account is paid in full and have record of the XXXX being paid. 

Convergent, even after my filing an appeal and receiving evidence that the bill/account was paid in full directly to XXXX XXXX , continues to contact me and denied my claim stating the debt is valid ( attachment D ). Their bullying tactics and attempts to gouge me, and damage my stellar credit, is disturbing. If I was less intelligent and unaware of my rights, I would just pay the money twice. This is Convergents hope - that I will just pay the money TWICE and I have no doubts, if they are investigated, I am not the only one theyve attempted to bully into paying double.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts in question that I've been trying to get to the bottom of please see the dates and accounts I have requested a response for : XXXX XX/XX/2021 and XX/XX/2021 ( no response ) XXXX XXXX XX/XX/2021 and XX/XX/2021 ( no repsonse )
Product: Credit reporting or other personal consumer reports

Please remove these inaccurate inquiries from my credit report XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ONEMAIN FINANCIAL ( Finance ) - XX/XX/2021 I did not authorize this hard inquiry that is on my credit report.
Product: Debt collection

The following accounts do not belong to me. I would like them removed and I want a 7 year fraud alert placed on my credit report. I have attached my etc report below. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/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. 

XXXX XXXX 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. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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

Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint against XXXX XXXX, and Equifax. XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to express my concern and formally file a complaint against XXXX, XXXX, and equifax for potential violations of the Fair Credit Reporting Act ( 15 USC 1681 section 602 a ), the Gramm-Leach-Bliley Act ( 15 USC 6801 ), and the Code of Federal Regulations ( 12 CFR 1016.7 ). According to the Fair Credit Reporting Act, consumer reporting agencies such as XXXX equifax XXXX have a responsibility to handle their duties with fairness, impartiality, and a deep respect for a consumer 's right to privacy. I am that consumer, and I have not consented to the sharing of my private information. This protection is reinforced by the Gramm-Leach-Bliley Act, which also declares that all financial institutions, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have an ongoing obligation to respect the privacy of their customers and to protect the security and confidentiality of their nonpublic personal information. Per 15 USC 1681 section 604 a section 2, a consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer involved. I confirm that I have not provided written consent to XXXX XXXX XXXX XXXX XXXX XXXX to furnish or report my personal information. I hereby revoke any and all forms of consent that may have been previously given, in any form, including verbal, non-verbal, written, implied, or otherwise. In violation of 15 USC 6802 ( b ) ( c ), I was never informed of how I can exercise my nondisclosure option by these entities. Furthermore, an adverse item has been reported, which is in violation of 15 USC 1681C ( a ) ( 5 ) as it antedates the report by over seven years. Moreover, per 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e, inaccurate information should not be furnished, and reasonable procedures should be maintained to avoid violations. It appears that XXXX and XXXX have not complied with these mandates. Lastly, I am exercising my right to opt out at any time, as stated in 12 CFR 1016.7. I am choosing to opt out of the reporting services of XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX..furthermore XXXX statue of limitation code is 34-11-2-7 and limitation is only 4 years for auto loan debt for a debt collectors to collect in the state of indiana and it has been 8 YEARS & they still have not removed the account after i put it under dispute the statute of limitations 15 U.S. Code 1692k - Civil liability in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} I respectfully request the Consumer Financial Protection Bureau to investigate these matters and take the appropriate actions to rectify these issues. I look forward to your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a a letter in regards to inaccurate and unknown things on me credit report. Over 30 days later I have not received a response. Section 611 ( a ) states that failure to investigate these items within 30 days gives reasons to immediately to remove items those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes and an FTC report for the following fraudulent accounts. They have not been deleted. 

Transunion : XXXX {$330.00} XXXX XXXX {$10000.00} XXXX  : XXXX {$3200.00} XXXX {$330.00} XXXXXXXX XXXXk XXXX XXXX {$1200.00} XXXX XXXX {$10000.00} XXXX  : XXXX {$3200.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX {$210.00}
Product: Checking or savings account

On XX/XX/XXXX, I attempted to use an XXXX to cash and deposit a XXXX dollar work check. The teller who virtually assisted me at the XXXX said she did not have enough to cash and deposit the check in the ATM but would deposit the check. That same night, My funds were not reflecting in my account. I did not receive the check back and the money was deducted from my bosses bank account. I called Citizens Bank to submit a claim. After waiting for them to locate the check in the ATM, They submitted a claim and I was credited XXXX. 

On XX/XX/XXXX, XXXX was deducted from my account as a miscellaneous charge. When calling Citizens Bank, They stated I received double payment and that the claim I submitted had no fault found. I have attempted to work with them all week while my account sat negative with no results. 

Please note there at cameras at the ATMs and XXXX. There are records to show that I did not receive the XXXX deposit after giving them the check. Citizens bank is at fault here.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry from XXXX XXXXXXXX, XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Equifax Mortgage Ser Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this. 

My contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX
Product: Credit reporting or other personal consumer reports

I was removed as an authorized user from my wife XXXX XXXX XXXX account. It is still reporting me as a user on my credit report. I have already filed a complaint to have this issue resolved and nothing has happened. Complaint number XXXX.
Product: Student loan

Discover has repeatedly violated and presently routinely violates Indiana and the Federal Fair Debt Collection Practices Acts by : 1. calling right at ( XXXX ) or after XXXX. 
2. calling at my work phone/phone numbers which I have informed them is an inconvenient number to call me at. 
3. refusing to communicate with me via method most convenient for me ( email ). 
4. failing to notify me that any information is used for purposes of collecting a debt. 
5. using deceptive acts to collect a debt ( using false numbers/ghost numbers to contact me ). 
6. harassing me and threatening illegal collections practices. 
7. harassing me calling me at times over 50 times a day. 

XXXX has repeatedly failed to work with me in good faith so that I can me meaningful, and regular payments to pay down my loans. 

Discover has set up a system characterized by subterfuge and chicanery such that the put their student loan debtors in a catch XXXX situation where they are unable to make full payments and unable to escape Discover being the creditor. Discover has unilaterally set out to ruin my credit and keep me within their system of ineffectual " payment options '' which only results in growing the debt for Discover and further ruining my credit. Discover has modified the promissory note and offered a reduced payment option based on my income then arbitrarily and capriciously refused to accept the reduced payments. Despite me not being able to make their excessive monthly payments based on my salary Discover has failed to work in good faith with me to keep my loans current. Instead, not accepting the payments I could make as full monthly payments, Discover aggressively, maliciously, wantonly, willfully, and intentionally made negative reports on my credit history. As a result when I have tried to consolidate my loans through Discover and/or other institutions I have been invariably denied. Discover has created a system where it keeps its debtors financially disenfranchised and works to only increase the debt they own. 

Discover most recently in XXXX of 2016 fraudulently induced me to enter into a repayment plan to bring my loan " current '' with the promise of consolidation ; however after accepting 3 monthly payments from me, Discover failed to consolidate my loans ( all of which they own ) via its own consolidation department due to a poor credit score -- a credit score which they themselves have created due to their failure to work with me. Throughout this timeframe, Discover continued to make negative credit reports to my credit history.
Product: Mortgage

due to the horrific covid19 virus and the severe loss of jobs and/or income, i sadly speaking have been affected by this impact as well! 

i did get approved by JP Morgan Chase Bank to participate in their program where they agreed to allow ME to defer the mortgage for 3 months ( 90 days ), but what is extremely cruel, sad and inappropriate is due to the Fact that after the ( 90 day ) period, the bank is expecting the home owners to cough UP all of the money for the ( 90 days ) and pay them back ALL AT ONCE! 

this is a very Poor Business Tactic and it is extremely offensive, uncalled for, unprofessional, ridiculous and Just Not Fair and Not Right! 

i am still suffering by the way! 

By Right : they should be adding on the ( 3 ) Deferred Payments To The End Of The Loan AND Modifying Those Such Loans such as MINE Automatically With A Guaranteed, Lower, Fixed Monthly Mortgage And Interest Rate At Least For 5-10 Years That Is Still Guaranteed To Go Down Every Month Like It Has So Far! 

Moving Right Along : i did hear that they Can Offer A Modification which would be a Fixed Lower Mortgage Payment with a Fixed Lower Interest Rate for the Life Of The Loan and that Would Have Helped because I could probably ask one of my close relatives to HELP ME out somewhat with MY Mortgage. 

it just seems like the bank just wants ME to Lose My Home and i sincerely hope that that is Not The Case! 

for your information : my Loan Number with JP Morgan Chase Bank is : Loan Number : # XXXX thank you. 

sincerely yours, XXXX XXXX XXXX XXXX JP Morgan Chase Bank Customer For Over 10 Years +
Product: Student loan

I requested that Nelnet fix my student loan balance to reflect the loans currently owed back in XX/XX/2023 after a change in balance. I followed up multiple times in XXXX, XXXX and XXXX regarding having the loan balances match ( my total amount due matching with the payoff amount matching with what is reflected on XXXX  ), for which nothing was done. As such, I am unable to make any changes to my student loans as they are not reflected properly hindering my ability to apply for services offered through XXXX potentially missing time critical deadlines coming up for student aid relief, all the while making improper payments on amounts due while the nelnet company prolongs this inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, IL XX/XX/2021 XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/202XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021