23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Accounts Opened Due to Data Breach Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding several unauthorized accounts that were opened in my name as a result of a data breach. I have already reported this issue to the Federal Trade Commission ( FTC ) and would like to ensure that my situation is also addressed by your office. 

Details of the Complaint : I learned that my personal information was compromised due to a data breach involving Equifax and other business entities. As a result of this breach, several fraudulent accounts were opened in my name. 

FTC Report : I have filed a report with the Federal Trade Commission ( FTC ) regarding this matter. The report was submitted on XX/XX/year> and is documented under the FTC Complaint Numbers : XXXX Details of Unauthorized Account : Account Name/Number XXXX : XXXX XXXX XXXX Acct XXXX XXXX Contacted the affected creditors to dispute the fraudulent accounts. 
Requested a credit freeze with Equifax, XXXX and XXXX. 

Requested Resolution>>> I respectfully request that the CFPB assist me in : Ensuring they are REMOVED from my credit reports IMMEDIATELY as they are negatively affecting my credit profile and causing me to be denied credit. 

I have attached copies of relevant documents, including my FTC report, and correspondence with the affected creditors/bureaus. 

>>I have tried NUMEROUS times to have Equifax PROPERLY investigate these accounts but they keep saying that they are verified which can't be true. I have also requested detailed summaries of their methods of verification which they refuse to provide me as well.<< Please let me know if you require any additional information. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

This is my SECOND NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for wilful noncompliance to FCRA regulations. 


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

N accordance with the Fair Credit Reporting act XXXX  Account XXXX  ACCOUNT NUMBER ENDING IN # XXXX and # 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 : Its also states a consumer reporting agency can not furnish a account without my written instructions!
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX None of these companies did a thorough investigations on all accounts that were supposed to be removed from account and delete. The amounts on some of the accounts owed are inaccurate
Product: Student loan

I contacted FedLoan Servicing via XXXX XXXX on XX/XX/XXXX ( the chat feature on the FLS website was not working at the time ) to request a refund of a payment for {$1500.00} I made on XX/XX/XXXX after the COVID forbearance began. I received an email on XX/XX/XXXX from a Customer Service Associate at FLS stating that the request for the refund had been submitted and could take anywhere from 2 weeks to 2 months depending on the Department of Treasury. I called FLS after 2 months had passed and was told that they could see that the request had been made but it had not been processed and that they would expedite it. On XX/XX/XXXX, I sent another message on XXXX XXXX to check on the status of the refund request. I did not receive a response to that XXXX message so on XX/XX/XXXX I called and spoke with someone at FLS who stated that FLS could not issue the refund because the payment was made to XXXX ( my loans were transferred in XX/XX/XXXX from XXXX to FLS ). As a result, the refund requests were being cancelled each time. I was also told that I would need to contact XXXX instead even though they no longer service any of my student loans. I called XXXX and they were understanding and helpful but said they would need to look into it. I then received a call on XX/XX/XXXX from the Customer Service Associate at FLS who was assisting me previously and she stated that she found proof that I made the {$1500.00} payment in XX/XX/XXXX and she submitted that proof. She stated it was now pending approval from the Department of Education and that it takes 7-10 business days to receive the check once it is approved. My loan balance in the FLS website now reflects that {$1500.00} has been added back to my loan balance but the refund has not been issued to me. I checked in again with FLS on XX/XX/XXXX and was told that the request had been resubmitted and was pending final approval from Federal Student Aid. I checked in again and received an email that my most recent request from XX/XX/XXXX was still pending final approval and that it required a secondary review due to being a higher amount. Once approved, it would take anywhere from 2 weeks to 2 months. As of XX/XX/XXXX, the refund has not been issued. It has been 5 months since the refund was originally requested. I do not know who to contact at this point because each time I ask, I am told that a different entity is reviewing or needs to approve the refund ( Department of Education, Department of Treasury, Federal Student Aid, etc. ). I do not know who to contact at this point as the person who is following my case at FLS replies each time that it is still awaiting approval and takes 2 weeks to 2 months and names a different department each time who still needs to review the refund. I am trying to get this resolved before FLS stops servicing my loans once their contract ends. Any assistance would be appreciated in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested proof of the alleged late status and I have not yet received any documentation. Navient never sent documents in the mail, communicating the account status. I am requesting that the file be reviewed for accuracy and updated accordingly. The items reported and disputed were not validated by the credit reporting agencies nor Navient. The late payments remain on my account with the credit bureaus and they have not been properly verified.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp due to inadequate customer service and unfair practices which violate the consumer financial protection act. Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Citibank regarding their inaccurate reporting of an account on my credit report. This account is being reported in violation of the Fair Credit Reporting Act ( FCRA ). As an authorized user on this account, I am not liable for the associated debt. However, despite my status, Citibank has continued to report this account as if I were responsible for the debt. This has led to significant negative implications for my credit score and financial standing. Despite these efforts, Citibank has failed to take appropriate action to correct this reporting. As such, I believe they are in violation of several provisions of the FCRA, which require accurate reporting and timely investigation of disputes.I request your assistance in investigating this matter and holding Citibank accountable for their actions. 

As an authorized user, I am are protected under several laws, primarily : Fair Credit Reporting Act ( FCRA ) : This law ensures that consumer credit information is reported accurately. As an authorized user, you should not be held liable for the debt on the account, and you have the right to dispute inaccuracies in your credit report. 

Truth in Lending Act ( TILA ) : While this primarily governs credit terms and disclosures, it also supports fair treatment of consumers, including authorized users, by ensuring clear communication regarding liabilities. 

Equal Credit Opportunity Act ( ECOA ) : This law prohibits discrimination in credit transactions. It ensures that authorized users can not be unfairly penalized or discriminated against based on their status. 

These laws collectively protect authorized users from being held liable for debts on accounts where they are not the primary account holder. If you're facing issues with reporting, these legal protections may be relevant in your dispute.
Product: Credit card or prepaid card

I called State Employee credit union in XXXX  2022 so that I can set up a reoccurring minimum payment to avoid being late. The person I spoke to set up a set payment of {$600.00} per month instead of the minimum due. I was over on the balance so as a result the minimum due was {$780.00} that month. I was not aware because I was out of town working and didn't think I needed to look at the bill because it was supposed to be paid automatically. I later found the problem when I called. I was told someone would call me back and when they did not 2 weeks later I began calling. I spoke to someone who told me they could not correct it even though it was a credit union error. They never asked for my account info so I know they were not trying to help me. I later called and spoke to someone at the branch who looked and let me know what the error was and unfortunately the Fair Servicing department at the bank would not correct the issue even though the bank verified that it was a problem. I spoke to the VP XXXX XXXX and XXXX XXXX and they would not remove the lates from my credit. I received a letter from the bank stating that it was a error but their hands are tied and they can not do anything. As a result I was trying to refinance my property and was denied because my scores dropped almost XXXX points and I was in the path of XXXX XXXX and I applied for assistance because my property was damaged and I lost income and I can not even apply because my scores are low. When I spoke to XXXX XXXX he didn't even have the facts correct but seemed like he was trying to be correct instead of doing the right thing. I lost income and I am struggling if I loose my home and businesses this will not be right. I didn't do anything wrong the credit union did and I have a letter to prove it. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The inquiries, which appears on my credit report from XXXX XXXX XXXX dated XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX and AMERICAN EXPRESS dated XXXX/XXXX/XXXX, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Removal of Outdated and Inaccurate Personal Information Complaint Summary : I am submitting this formal complaint to request the immediate removal of all outdated and inaccurate personal information from my credit reports maintained by Experian, Equifax, TransUnion, and all sub-reporting agencies. The only accurate and authorized personal information that should be reported under my credit profile is : Full Legal Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Email : XXXX Phone Number : XXXX Any other addresses, phone numbers, or variations of my name must be permanently deleted as they are outdated, incorrect, and have been improperly associated with my credit file. These inaccuracies have led to the unauthorized use of my identity and the appearance of fraudulent accounts on my report, which I have been actively disputing. 

Additionally, I have attached a copy of my state-issued identification, which clearly reflects my current and only valid address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX This serves as official proof that no other address should be associated with my credit profile. 
Legal Basis for My Request : Under federal law, including but not limited to : 15 U.S.C. 1681c ( a ) ( 7 ) ( Fair Credit Reporting Act - FCRA ) : Credit bureaus must ensure that only accurate and relevant information is retained in consumer reports.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

15 U.S.C. 1681b ( f ) : The dissemination of inaccurate or obsolete information violates permissible purpose regulations.

15 U.S.C. 1681e ( b ) : Consumer reporting agencies are required to maintain maximum possible accuracy in their reports.

Federal Trade Commission ( FTC ) Guidelines on Identity Theft : Reinforces my right to remove incorrect personal data linked to unauthorized activity.

Given the legal framework above, the continued reporting of outdated and incorrect personal details constitutes negligent noncompliance and directly affects my ability to maintain an accurate credit profile.
Product: Debt collection

XX/XX/XXXX kohls charge card not mine says owe XXXX. I didnt open this I disputed this and then it was charged off but still on my credit report.
Product: Credit card or prepaid card

UNDER THE CREDIT CARD XXXX, I WAS SENT A NEW CARD IN XXXX I NEVER USD IT TILL XXXX TO PURCHASE A WASHER A DRYER I WAS TOLD TO COME INTO THE STORE TO ORDER IT DUE TO THE COMPLEXITY OF THE ORDER I GAVE UP ALL MY INFOMRATIO INCLUDING SOCIAL SECURITY NUMBER AND EMAIL ADDRESS, SINCE THAT TIME, MY CARD HAS BEEN ATEMPTED ON FRAUDULENTLY FOR ONLINE PURCHASES, CASH WITHDRAWALS, REPEATEDLY ; I WAS IN XXXX WHEN THE FIRST TIME IT HAPPENED NOT EVEN XXXX WEEKS AFTER PURCHASING THE WASHER AND DRYER. tHE STORE XXXX PUT ALL MY INFORMATION ON A PIECE OF PAPER IN A BOOK THERE WAS A CASHIER THERE ALSO AT THE TIME, HE PUT THE BOOK UNDER THE REGISTER NOT LOCKED UP REALLY??? HAPPENED RIGHT ON MY BIRTHDAY, XXXX I REQUESTED A NEW CARD, IT HAPPENED AGAIN IN XXXX, AND AGAIN IN XXXX, AFTER RECEIVING THE NEW CARDS. I CONTACTED SYCRONYBANK, NOT MUCH HELP OR FAITH, SAID NO MONEY WAS EVER ACCESSED BECAUSE ALL ATTEMPT WERE DENIED SO THERE WAS NO FRAUD THE MOST RECENT ATTEMPT IN XXXX SHOWD SOMEONE TRYING FROM DELAWARE, VIRGINIA AND TEXAS STORES. I AM PRETTY SURE INSIDE THE XXXX FRAMEWORK, MY INFORMATION HAS BEEN COMPROMISED. I ENDED MY 30 YEAR RELATIONSHIP WITH XXXX AS A RESULT OF THIS, I STILL BELIEVE THE BANK IS FRAUDULENT AND THEY NEVER GAVE ME THE DETAILS OF THE ATTEMTPED USE AS I ASKED IN ANY OF THESE OCCASIONS. I REQUEST THIS BE INVESTIGATED I WILL BE POSTING THIS ON XXXX I REQUEST A WRITTEN RESPONSE IS REQUESTED FROM YOU,,, OH YES WHEN I WENT TO REPORT IT TO THE XXXX POLICE THEY DENIED MY COMPLAINT TO INVESTIGATE AFTER XXXX TOLD ME TO REPORT IT, STATING NOTHING WOULD BE FOUND OUT, REALLY WITH ALL TTHE CAMERAS, AND XXXX KNEW WHERE ALL THE STORES IN XXXX WERE ACCESSED AND WOULD NOT TELL ME ANYTHING AS I WAS GOING TO INVESTIGATE IT MYSELF. I AM SURE I AM NOT THE ONLY XXXX THIS HAS HAPPENED TOO
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$750.00} XXXX XXXXXX/XX/XXXX
Product: Debt collection

A credit card was opened in my name for a business. I had no knowledge of account and did not have a card or responsibility to pay any of the bills. The business always paid every bill and is responsible for debt.
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 : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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: Debt collection

I became behind on payments due to financial hardships, TD Bank began calling me XXXX times a day everyday. I clearly stated to the representative that I was enacting my rights granted under the guidelines set by the FTC for them to cease contact immediately. TD Bank continued to call me XXXX times daily for months until I finally was able to make them remove my number from their calling list last month. Now they have turned the account over to XXXX XXXX who has began calling me daily. I spoke to a representative yesterday XX/XX/2015, and informed them I was under a do not call list, and verified XXXX times that they were removing me from their calling list. Today,XX/XX/2015, XXXX XXXX contacted me again to collect the debt. I spoke to a supervisor who identified herself as XXXX ( sp? ) And informed her that I was to be put on a do not contact list, she then stated there is no record of this request. After I informed her a third time that I was to be removed from the calling list, she still attempted to collect payment after I stated that I did not feel safe making any transactions over the phone with their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection on my report on XX/XX/2023. I call to verify but they could tell me anything even though it's suppose to be me. So apparently they have me mixed ymup with someone else or someone is using my name for medical purposes. They also show I had made payments on my credit that's not me. I have my full name driver license to prove it's not me. XXXX claims that it's correct. But I contact the debt collector spoke to a XXXX and he could give me any information.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX : {$8500.00} XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XX/XX/year>
Product: Debt collection

This will be my second attempt @ trying to have FCRA section 609 ( a ) ( 1 ) ( a ) met properly for my complaint. I have mailed in a debt validation letter on XX/XX/19 to Portfolio Recovery Associates and I will include a copy of their response. No where is a copy of any physical proof this if my debt or in fact even my account. I am curious as to how theyre not held to the FCRA laws. It is baffling to say the least. I requested the following information from them & can not seem to get anything except a copy of a statement from them PRA, with no documentation attached to confirm this account is mine. I asked for a copy of their state license, didnt receive that as well. I will continue to file complaints until I receive a proper debt validation. I have read numerous complaints online regarding the same issues other consumers have with PRA. I am demanding a PROPER DEBT VALIDATION with a copy of the original SIGNED consumer contract. How is it even legal for them to purchase an account with NO physical proof that this account is in fact the consumers???
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft I notified XXXX numerous times I circled items in my report that were fraud sent them identity theft police report and was told by the fcra 605b that they are required by federal law to remove these items and equifax refuses to remove items, I have tried for over 3 years to get said items removed and they are refusing to do so, they have cost me homes mortgages loan, jobs, and credit cards because of inaccurately reporting these items on my file. I have done what I was told to do and XXXX refuses to cooperate and I am filing a complaint with you to force them to cooperate with the law. I will file complaint after complaint until items I circled are removed. And I also will be bringing them to court in regards if it they are not removed for damages.
Product: Credit reporting or other personal consumer reports

Composed toprovide monthly ac count statement No providing account on line me on line access
Product: Credit reporting, credit repair services, or other personal consumer reports

After chapter  XXXX  completion my credit report is full of spiteful errors from creditors. Please review the following documents. I recently completed my chapter  XXXX  and all creditors should be listed correctly with a  XXXX  balance. Review carefully and follow the law.