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

Experian XXXX XXXX XXXX XXXX, TX XXXX Dear sir, Today, I have received an email ( XXXX ) regarding Fraud Alert from your company and I opened the portal to check the status and found out it still stated that : XXXX & XXXX XXXX ID SECURITY ALERT/ACTIVE DUTY ALERT : FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. I AM CURRENTLY ON ACTIVE MILITARY DUTY, DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS ALERT WILL BE MAINTAINED ON FILE FOR 1 YEAR BEGINNING XXXX. 

And I tried to dispute to this report filed # XXXX on XX/XX/XXXX XXXX XXXX, and I could not file online in the end. I did not want to file online due to the concern of the hacking. I believe the United States had the threat of global hacking, including over XXXX universities. I am not sure why your company continuously ask to file online. 

As I stated in the previous letter which sent to your company a few days ago, I am a XXXX, not a citizen of the United States ; therefore, I am and will not be a servant of the United States military. Anyway, if you consider my age and career, most of the people wonder why your company could accept this statement. And I have never experienced the military even in XXXX ; anyway, we do not have the military in XXXX. I seriously request to remove this statement. 

And I regret that you decreased my XXXX XXXX on XX/XX/XXXX ( XXXX scores ) and XX/XX/XXXX ( XXXX scores ). From my standard and understanding, there is a question why thy company or whatever will decrease the credit score of the victim of the fraud. It must be against the ethic. If you against my opinion, would you explain to me? 

Sincerely,
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX - XXXX, XXXX XXXX  - XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a dispute of the incorrect items placed on my file to be reviewed. The Bureau stated it was verified in XXXX. In XXXX I requested validation information on the verified information. The Bureau stated it was verified again. I did not receive any contracts bearing my signature, contact information of the parties that the company spoke with, or a method of their verification. This is a violation of my rights.
Product: Debt collection

Dear, Security Credit Services I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), XXXX request the following information. XXXX. The name and address of the original creditor and the current creditor. XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. XXXX. Proof that the original creditor securitized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount and this dispute should be reflected on my credit report if you have already reported this debt. Please state your permissible purpose for accessing my credit information. I dispute your right to do so. I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

These inquiries are unrelated to me, and I have no association with the mentioned creditors.
Product: Debt collection

Aargon debt collection sent me a debt collection letter with a fake debt with partially true information regarding me. When I called I asked for info on the debt and was given a fake address of the company where the debt originated ; XXXX, XXXX., XXXX, CA. I told XXXX, female, I have never had a storage unit in my life, this stumped her, she placed me on hold. She then suggested I dispute it but I asked for a detailed invoice of the debt, she again placed me on hold and then said OK I 've mailed you the invoice, which I 'm sure will never arrive because it does n't exist. There are many similar incidents like this involving this debt collector.
Product: Checking or savings account

I tried to transfer money from my account. I was told that it had been labeled inactive, so it needed to be reactivated before I could access my funds. I was told that i need to send a letter to a XXXX XXXX office to process the request. Thta was a week ago. I have been on the phone with customer service daily. No one can tell me if the letter has been received or processed or when I might be able to receive my money. They provide no help at all and refuse to put me in contact with someone who can. There is an urgent timeline, as the money is needed in two weeks to close a home loan.
Product: Credit card or prepaid card

On XX/XX/2019, I received a call from the XXXX Store in North Carolina regarding a suspicious online order done in my name with my credit card from Elan Financial Services. I live in Massachusetts but the products were being shipped to an address in Kentucky. I immediately contacted the credit card company and was told that someone had called earlier that day to change my mailing address to the Kentucky address used by the scammer. I didn't receive any calls or emails from Elan Financial regarding the address change even though my Alert on such notification was set to Active. Also, if Elan Financial Services had done their due diligence when verifying my personal information, they would have noticed that the caller would not have been able to verify the name on the credit card. My legal name was changed and I never did change the name on this credit card. The name the scammer used to order the products was my legal name. This institution takes customer personal information security lightly and did not do their due diligence when it comes to security.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has been acting abusive towards my right to privacy and my identity. They have taken my private information and created a record of account with the information attached to a social security number that is not owned by me, it is owned by the Social Security Administration and its also the United States obligation as defined by 18 USC 8. I am the consumer and administer of the account. I do not own it.

I told them the debt and all the negative inquiries are to be removed immediately as they are violating my consumer rights and Civil Rights by unlawfully and untruthfully giving misleading information with
out my consent or signature for fee.

I called them up on the phone and i asked to see what proof they have that i consented to my information being shared too any third party pursuant to 15 USC 1681B ( a ) ( 2 ). The sales support laughed and said he was not sure. 
I would like the CFPB to HELP me get EXPERIAN to send me a signed affidavit that i the consumer gave my consent to furnish any report and violate my civil rights, 42 USC 1983, as this is a complete misrepresentation of facts. 

I do not validate any of the negative information on my report nor do i consent to EXPERIAN furnishing such information to third parties.
Product: Debt collection

To Whom it May Concern : I am submitting this complaint regarding XXXX XXXX and XXXX failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. I am also a verified victim of the XXXX Data Breach. Despite providing evidence to support my claims, XXXX, XXXX, and XXXX has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).

The inaccurate and unowned account in question are as follows : XXXX XXXX XXXX XXXX XXXX reference XXXX XXXX XXXX balance {$330.00} I have submitted proof of mailing dispute that I sent directly to this creditor and uploaded that letter and credit bureau report discrepancies on their portals as proof that the information is either inaccurate or unverifiable. However, they have either failed to verify the information properly and has not given any response explaining their investigation process or have shown any correction to their errors.

This failure to conduct a reasonable investigation has caused harm to my credit score and financial wellbeing, effecting my ability to ( get approved for credit, loans, housing, etc. ).

I am requesting the following actions from XXXX, XXXX, and XXXX through the CFPB : 1. Conduct a proper and thorough investigation in the actions Ive disputed.

2. Provide me with a detailed explanation of the steps theyve taken to verify or correct the information.

3. Remove any inaccurate or unverifiable information from my credit report immediately.

I am attaching all relevant documents, including dispute letters, and supporting evidence, to this complaint for your review. I have disputed this via XXXX XXXX XXXX in XX/XX/year>, Radius Global Solutions, and XXXX XXXX XXXX Each time I disputed them directly through the companies they never responded to my dispute request and just sold my account. I then went online in XX/XX/year> to XXXX XXXX, and XXXX portals and uploaded my proof of prior disputes and heard nothing regarding that dispute. I then saw that the account had been sold again and was appearing on my credit bureau reports in The Fall of 2024. I never heard anything back on my disputes that this is not my account neither from the individual collection agencies nor the reporting bureaus.

Thank you for your assistance in addressing this matter and ensuring that all bureaus comply with federal laws to protect consumers like me. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts with XXXX XXXX, and Transunion to have Identity theft accounts that are on my credit report fraudulently. i have filed a police report i have contacted creditors in order to get this rectified with no action.
Product: Student loan

Borrowed {$20000.00} in XXXX. Have paid {$14000.00} in interest. I now, XXXX years later, owe {$21000.00}. Navient has just driven my payment from XXXX a month to XXXX! Please help. This ca n't possibly be legal!
Product: Checking or savings account

Beginning in late XXXX to early XXXX I had purchased XXXX from XXXX XXXX through using XXXX that was linked to my XXXX that was linked to my previous bank account. since then i keep seeing numerous unauthorized transactions from xsolla.XXXX XXXX.XXXX.XXXX  XXXX, XXXX XXXX XXXX XXXX view, XXXX purchase XXXX # CA they keep taking different amounts out of my checking account. i closed my old account opened a new one had numerous cards cancelled and had new ones issued only to have this thing attack my account again. i dont know what else to do. i have screenshots of the numerous transactions in my phone. this is getting to be a nuisance and i dont know if i need to involve the police and take a police report because they keep stealing money from me. they even hacked my prepaid debit card somehow and i dont even kmow how they got into that account. XX/XX/2021 there were two charges for the amount of {$2.00} and {$4.00}, XX/XX/XXXX and XXXX XXXX there were numerous amounts for {$1.00} XXXX XXXX there has been charges for {$19.00} for both my checking account and my prepaid debit card. I contacted XXXX previously to which they refunded me the money back in XXXX but this has been recurring and i dont know if its from the XXXX company itself or if its a third party associated with XXXX or if its hackers from from the different games on XXXX but this has gone on far too long and i am frustrated i cant keep closing accounts and cancelling debit cards.
Product: Credit card or prepaid card

On XXXX XXXX, 2017, I opened a credit card from XXXX XXXX XXXX that is now owned by XXXX XXXX XXXX  for the amount of {$810.00}. I immediately fell into economic hardship and was unable to pay for my credit card. The credit card company was not willing to work with me during my economic hardship and it has only worsened my situation. My hardship still continues and is directly affecting my chances of acquiring a job.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company for XXXX put a credit card on my credit I advised them this was fraudulent I also filed a police report being a victim of identity theft the lady from investigation said she as going to investigate so she contacted the officer he explained to her that I filed identity theft and if anything was to come up the report would be valid as everything wouldnt show up on my credit if someone stole my identity at one time she goes to tell me to call him and update I finally got a hold of him to update then she says well were going to mark it as valid since you said you knew about the account for a year I never told this lady I knew about this account for a year I told her I had no knowledge until it showed on my report and she called me about it and I told her to play a recording of me saying I knew about it and she refused she just wanted to close her investigation and place it on me is against law for me to have to pay for a credit card that I did not open and is fraudulent and I have filed a police report last year in XXXX being a victim and this account she stated was open in XXXX this is a fraudulent account and I would like for this to be removed ASAP as it is against my rights for XXXX for a XXXX card that is jot mine the lady was just mad because I told her Im not paying for anything that is not my debt and she said well you told us you knew I said lady when if I told her that why would she contact the officer and wait for me to add it to the report because they are lying trying to get money out of me for an account that is not mine
Product: Credit reporting or other personal consumer reports

XXXX Account XXXX I just got a copy of my credit report. To my Surprise, You are reporting this account incorrectly.This collection account is reporting not only as PAID OFF, but also shows a past due balance of XXXX. According to the FCRA .I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Product: Credit reporting, credit repair services, or other personal consumer reports

These 2 accounts : XXXX  with a balance of {$16000.00} ( Opened  XX/XX/XXXX & XXXX XXXX {$23000.00} opened back in ( XX/XX/XXXX ) Not only are these accounts more than 7 years old, they were not opened by me! They must be removed immediately! This is inaccurate and false.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows that my Kohl 's card is 30 days overdue and has an overdue balance of {XXXX} and the overall balance shows higher than the actual balance. This is incorrect
Product: Credit reporting or other personal consumer reports

In XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX, I mailed XXXX XXXX XXXX requesting validation of the alleged debt on my credit report by producing the original contract with a wet ink signature. Additionally I sent letters to XXXX, Equifax, and XXXX requesting validation of the alleged debt. In response, XXXX XXXX XXXX sent a letter dated XX/XX/XXXX, wherein they confirmed an outstanding balance, however they have failed to validate the debt by producing proof of the original contract with wet ink signature. The credit reporting agencies mentioned notified me the debt was " verified '' but failed to outline investigation procedures as requested or produce proof of the original contract. I have disputed the account with Equifax, XXXX, and XXXX demanding the unverified items be removed from my credit report immediately. They have yet to do so and claim XXXX XXXX has continued to verify the debt. Additionally, I am still receiving mailed statements from XXXX XXXX XXXX  despite the fact that I have yet to be sent proof of the original contract for this alleged debt. These companies is in direct violation of 15 U.S.C. 1692 ( c ), U.S.C 1692 f ( 1 ), AND U.S.C. 1692 ( g ).
Product: Checking or savings account

I have received a wire transfer from a company that I personally know. And after that wire received I sent someoney to another company that I also.know personally for a show that they were doing for me. 
After that my account was freeze and founds are on hold for over a month I have called many times to asked them what happen they just say they are in investigation. 
I have even give the information from the two companies involved They still saying this is under investigation
Product: Debt collection

To address my case effectively, the Consumer Financial Protection Bureau ( CFPB ) should promptly review all relevant documentation and evidence, thoroughly investigate the issues at hand, and ensure that all involved parties are held accountable according to the law. They should also provide clear communication regarding the progress of the investigation and offer guidance on any additional steps I may need to take to resolve the situation. Ensuring consumer protection and upholding fair practices should be their priority.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly late payments on the XXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account was included in a bankruptcy years ago and has recently appeared on my credit report. This account should not be reporting at all. It is a violation of the Fair Credit Reporting Act to report inaccurate information and this line item needs to be removed from my credit report. I have contacted XXXX XXXX XXXX XXXX XXXX as well as the ( 3 ) bureaus to remove this item however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  AND TRANSUNION HAVE ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE/INACCURATE. 

Addresses : XXXX XXXX  XXXX, XXXX, FL XXXX XXXX XXXX XXXX , XXXX, FL XXXX Accounts : XXXX  XXXX  XXXX  XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX/XXXX  XXXXNOT MINE XXXX/XXXX  XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX, XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX/XXXX XXXXNOT MINE XXXX XXXX XXXX/XXXX XXXXNOT MINE XXXX XXXX XXXX/XXXX  XXXXNOT MINE XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXXNOT MINE Identity theft/fraud : XXXX XXXX XXXX | XXXXFRAUD/IDENTITY THEFT Inquires : XXXX XXXX XXXX XXXX NOT MINE XXXX  XXXX XXXX  XXXX XXXX XXXX  NOT MINE XXXX  XXXX  XXXXNOT MINE XXXX   XXXX  XXXXNOT MINE
Product: Credit reporting or other personal consumer reports

I'm responding to the verified no change letter you sent me for charge-off account. 

Creditor : XXXX XXXX XXXX Account # : ( XXXX ) Reason for this Dispute : inaccurate I did what you told me to do to fix the problem, and the furnisher did not respond to me. You told me in your last letter to contact the company who placed this inaccurate charge-off account on my credit report and I did It's clear that the charge-off account is inaccurate because the creditor did not send any valid proof. If they can't prove that the account is accurate, they can't report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 



Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following a recent review of my credit report at the XXXX, Experian and XXXX  consumer reporting agencies, I learned that XXXX XXXX XXXX ( account number XXXX ) ; XXXX XXXX ( account number XXXX ) and XXXX XXXX ( account number XXXX ) were reporting delinquent 30 days when this was not the case. In fact, the accounts should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and credit reporting agencies and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since 2000, I deserve more.
Product: Debt collection

Collection Bureau of Hudson Valley put a negative collection account on my credit file regarding a optimum bill in the amount of {$290.00} this was included in a bankruptcy in 2019. I never received notification from them.