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

This will be my last Complaint to inform the XXXX XXXX XXXX that I was a victim of identity theft. Per Fair Credit Reporting Act Section XXXX ( a ) the XXXX XXXX XXXX are required to remove any ITEMS which were 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. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of XXXX, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : 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 XXXXXXXX As required by XXXX and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of XXXX, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. 

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1956 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Checking or savings account

In 2018, my bank account with Bank of America was listed as fraud. Someone hacked my account and got access to my passcode. They withdrew money and then claimed it was fraud but Bank of America stated it was me and I told them it was fraud. I have not been able to open any bank account with any bank at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXXAccount # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 

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

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

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

On XX/XX/XXXX, I received the attached document dated XX/XX/XXXX from Statebridge Company , LLC demanding payment of an alleged debt in the amount of {$70000.00} ( see Attachment A ). 

On XX/XX/XXXX, I sent Statebridge via USPS Priority Mail the attached letter deputing the alleged debt and requested validation, pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Statebridge received the request for validation on XX/XX/XXXX ( see Attachment B ). 

On XX/XX/XXXX, I received the attached letter from Statebridge dated XX/XX/XXXX, stating that they verified the alleged debt of {$70000.00} and that the debt was due and owing to Statebridge ( see Attachment C ). 

On Saturday, XX/XX/XXXX, I received another correspondence from Statebridge dated XX/XX/XXXX, attempting to collect the {$70000.00}. On XX/XX/XXXX, via USPS Priority Mail, I responded to Statebridges incomplete validation of the alleged debt, and gave Statebridge Notice that I would be filing a FDCPA complaint against their company for not validating the debt and for its false, misleading, and deceptive practices in attempting to collect the alleged debt ( see Attachment D ). Statebridge received the XX/XX/XXXX correspondence on XX/XX/XXXX. I did not receive any further correspondence from Statebridge for the remaining of XXXX regarding the alleged debt of {$70000.00}. 

On Thursday, XX/XX/XXXX, I received the attached IRS 1099-C from Statebridge alleging to be the creditor of the allege debt, which Statebridge knew was discharged in the United States Bankruptcy Court, for the District of XXXX on XX/XX/XXXX ( see Attachment E ). Further, Statebridge was not a party, nor creditor in the XXXX bankruptcy case. I believe Statebridge is attempting to file the fraudulent 1099-C with the IRS, in order to receive an illegal {$70000.00} write-off. 

On XX/XX/XXXX, I sent via USPS Priority mail a Notice demanding that Statebridge rescind the 1099-C, within 20 days of receipt of the Notice. Statebridge received the Notice on XX/XX/XXXX ( see Attachment F ). To date, Statebridge has failed or refused to respond to the XX/XX/XXXX Notice, nor did I receive any documentation from Statebridge that they contacted the IRS and withdrew the fraudulent 1099-C. 

Lastly, on XX/XX/XXXX, I received my credit report from TransUnion and noticed that Statebridge illegally pull my credit report on XX/XX/XXXX. I use the term illegally because Statebridge did not have my permission to pull the report. This was an impermissible pull and also a violation of the Fair Credit Reporting Act ( FCRA ). 

I am reporting Statebridges numerous illegal acts and is requesting an investigation from the CFPB in this matter.
Product: Credit reporting or other personal consumer reports

Even though I filed the bankruptcy XXXX XXXXXXXX, a little less than two years ago, my credit score is still at a low XXXX when I have an excellent payment history of 100 %, excellent credit card use, an excellent total accounts, and only one hard inquiry. My belief is my credit score should be way higher due to these factors Here are entries in my transunion credit report : Payment history success Excellent | High impact 100 % Credit card use success Excellent | High impact 0 % Derogatory marks error Needs work | High impact 2 Credit age error Needs work | Medium impact 2 yrs, 8 mos Total accounts success Excellent | Low impact XXXX Hard inquiries success Good | Low impact In light of this, I believe my credit score should be in the high XXXX.
Product: Credit reporting or other personal consumer reports

Please delete and remove these inquiries. My information may have been impacted by Equifax data breach and my identity has been compromised which has made my sensitive personal information vulnerable. I have no open account ( s ) with any of this company : XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX- Inquiry Date- XXXX XXXX XXXX XXXX- Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX- Inquiry Date XXXX Additionally, I have NEVER been associated with the address : XXXX XXXX XXXX, XXXX XXXX, IL XXXX which is listed on my credit report. 

Per, " 15 USC 1681 A and 15 U.S. Code 1681i ( 7 ) A- Treatment of inaccurate or unverifiable information the information is found to be inaccurate or incomplete or can not be verified, ( I ) promptly delete that item of information from the file of the consumer. In addition, I did not give written permission to have these accounts furnished don my report. This information is inaccurate and I am demanding a correction to my credit report by this item being deleted and removed from my credit report.
Product: Vehicle loan or lease

We received a call from a sales representative in XXXX XXXX that they can give us a new car for and trade in the car we already purchase with them and they will give us credit. We had purchase a XXXX XXXX and trade in the XXXX XXXX we were paying I will attached the copy of the note on the papers they showed credit for the amount of money we already paid for the XXXX and they did not explained they will also charge for the rest of the money we owed on the XXXX ; but they keep the car for themselves and we have to paid for the money they will sale the car and keep for them. We did have to paid {$2000.00} for the down payment from our credit card and total payment for a XXXX XXXX will be {$34000.00} that is the most expensive XXXX I can imaging. The government should penalized car companies to still the money form consumers specially from old people they do not explain things at front and after they make you sign in a rush and you do n't have time to read and complaint. We need the company to lower the money they are charging for the XXXX XXXX they took and sale and keep the money for themselves to be more rich and consumers to be struggling with the payments. My husband is XXXX XXXX XXXX and just got a XXXX XXXX and we have to paid {$18000.00} form our pocket that we do n't have it and have to paid. They also have an advertising that guarantee for 5 years of service and after we got the loan they stated is only 2 years. I will attached note and copy of the bill we had paid 20 payments and still owe XXXX x $ XXXX this is a big abuse the congress need to take care of to protect consumers. I hope you can help us with this financial struggle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called transunion and XXXX customer service I Informed them that I had some unknown negative inquiries on my report that I needed removed Immediately. I was put on my phone with Multiple customer service reps and supervisors letting me that the inquiries would be removed in 72 hours which was False information which is why I am now putting in this complaint because I need these inquiries removed.
Product: Credit reporting

I filed a complaint twice already stating I never filed a BK that is showing a dismissed BK that is showing on my credit report. This has cost me a government hiring. They told me they verified it and it is correct. I called the XXXX Bankruptcy Court and spoke with the clerk in the office. She stated to me we do n't verify any info over the phone or thru mail. If Equifax does n't remove this then I plan on filing a lawsuit against them and sue for damages. I have been extremely nice to them with my letters and stating the facts. I want this damaging information on my credit report removed. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of : A collection account reported by XXXX XXXX XXXX ( original creditor : XXXX ) on XX/XX/XXXX, under the account number ( XXXX ). 

These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX they did not provide me with the original contract as I requested. 

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit card or prepaid card

I have been a customer with capital one for almost 3 years. I have always been on time never late. Always paid off my balance every month. So a year ago I reached my limit of XXXX. After having that credit limit for almost a year before reaching it. I even paid over the minimum required payment every month. So when I applied for a credit increase I was denied by capital one stating that my previous balance on a line of credit was to high?? The line of credit was capital one. So now that Im at XXXX they charge me the interest of XXXX or whatever they decide, then they have the nerve to charge Me enormous late fees. Which ever they decide and report this to the credit bureau. They are extremely bias on who they give credit increases too. And they really initiate high late fees and dont offer a solution to its customers at all.
Product: Credit card or prepaid card

billing statement wasn't received or wasn't received in a timely fashion.
Product: Checking or savings account

I have multiple claims/disputed from charges starting on XX/XX/XXXX through XX/XX/XXXX. I had contacted XXXX and XXXX about these charges. Both say I have to dispute these charges with Chase. I have evidence to show that they have advised me to dispute with the bank. 

There are multiple charges that I disputed. Some have been reversed and credited back to my account. Some have been denied. My issue is why are some denied. All should be resolved. There is no reason why some have been resolved and some not as all of the claims are for the same reason. But for some reason Chase put them through as separate claims. I have been more then patient over the last 2 months that I have been with out over {$10000.00}. But now I would like to proceed against chase for inconsistent resolutions to their claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX Then and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Product: Debt collection

I discovered fraudulent charges on my credit card around XX/XX/XXXX. They were apparently for a cell phone lease from a company called XXXX XXXX XXXX, which I have never heard of and certainly never done any business with. I reported the fraud to my credit card company who invalidated the charge and issued me a new credit card. Much later, in XX/XX/XXXX, I received notification by mail from Superlative RM, a debt collection agency. Even though I had reported the charge as fraudulent to my credit card company, and its not a debt that I owe, Superlative RM was attempting to collect this debt from me in the amount of {$1100.00}. I replied immediately by mail, telling Superlative RM that I dispute the debt and demanding to see a copy of the judgement against me and any documents related to that judgement, including the name and address of the original creditor. Superlative responded with a letter dated XX/XX/XXXX that showed details from the original purchase through XXXX XXXX XXXX. It revealed that the criminal who made the charges used my name and address, along with an email address Ive never seen before. The IP address associated with the transaction originated in XXXX, NY whereas I live in XXXX XXXX, MD.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I have sent a letter to Equifax Credit Bureau but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Bank of America sent me an email about a week ago saying that the were going to link my cards, credit and debit, to a digital pay company called XXXX. I was not interested so I tried to stop it through the link in the email. There was no way to do this even though the email said that it could be done. So I called the number on on back of the card and spoke to an agent who said he would stop the linking to XXXX. I also asked why I had to contact BofA to not link, or opt out, he did not know. 
Today I got a new email saying my debit card was linked to XXXX. I again called BofA to opt-out. They did disconnect my card. 
My complaint is that in no way should I have to go through this. I did not ask for XXXX and should not have it forced down my neck. I should not have to opt-out, but should have been given the option to opt-in if I wanted the service. I have no idea what kind of personal or financial information XXXX has been given to BofA, but I don't want them having any of my information.
Product: Debt collection

I was called from phone number XXXX XXXX/XXXX/XXXX Wed XXXX on my cell phone which has been registered for over a year on the do-not-call registry. They left a message which I transcribed as best I could : " We have an important message from XXXX XXXX XXXX. This is a call from a debt collector. Please call XXXX. '' I called back and reached them. They immediately asked my name. 

Since I have no debts, I knew this was the start of some kind of identity theft scam, so I refused to give them my name and the conversation ended there. 

I wanted to report that this company is using the kind of tactics which are a prelude to identity theft, making them a very suspicious company.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX, I am writing to inform you of some changes to my personal information that are pertinent to my credit account with your institution. I need it changed because I fear I am susceptible to Identity Theft Please update my records accordingly with the following information : 1. Name : XXXX XXXX XXXX 2. Address : XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX 3. XXXX XXXX : ( XXXX ) XXXX 4. Email Address : XXXX REMOVE ANYTHING THAT DOES NOT MATCH THIS INFORMATION These changes are necessary due to [ provide a brief explanation for the changes, such as a legal name change or relocation ]. I kindly request that you update my personal information in your system as soon as possible to ensure the accuracy of my credit account. 

Additionally, please ensure that all future correspondences and statements are sent to my new address and that my contact information is updated across all relevant departments within your organization. 

I understand that providing accurate and up-to-date information is crucial for maintaining a healthy credit profile and avoiding any potential discrepancies. If there are any forms or documents that need to be completed to facilitate this change, please send them to me at the new address mentioned above, or inform me of any necessary steps to complete the process. 

Thank you for your prompt attention to this matter. If you have any questions or require further clarification, please do not hesitate to contact me at the provided contact number or email address. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX