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

My purse was taken during a community event in 2018. I was advised by law enforcement to monitor all of my accounts in the future. I contacted the credit bureaus and advised them of what had taken place. I recently pulled a copy of my credit report and noticed a account and inquiries that I have no knowledge or affiliation with. These accounts and inquiries have been authorized due to someone having access to my personal information. 

I have the right to privacy, furnishing accounts to my profile without my written consent is in violation of 15 USC 1681B. 

After researching this accounts, this account is being furnished due to identity theft. Furnishing any account to my profile in direct relation to identity theft is in violation with 15 USC 1681 c-2
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 : XXXXXXXX XXXX XXXX/ Account Number:XXXX  Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX 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: Checking or savings account

On XX/XX/2018 we made a church deposit in the night drop at Wells Fargo Bank. After counting the deposit it was placed in a bank bag along with the deposit slip and supporting documents detailing what was included in the deposit and it was initialed by 4 Church Officers.  The bank teller crossed out the four {$100.00} listed on the slip and changed our deposit without making contact with anyone at the church. When I reached out to the bank regarding this change, I was told that the teller balanced and so therefore there was nothing more they could do. I explained our procedure - that after counting the monies, they were placed into a bank bag, sealed and 2 Trustees go make the deposit ; so something had to have happened at the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the TransUnion/XXXX after XXXX XXXX XXXX credit report with XXXX XXXX dated XXXX XXXX After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a Accounts : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$9300.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}, on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please update these negativity IMMEDIATLY.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$460.00} XXXX XXXX {$1000.00} XXXX  XXXX {$310.00} XXXX XXXX {$0.00}
Product: Debt collection

CAINE & WEINER Collection Agency is deceptively and fraudulently using abusive reporting practices by reporting an already disputed AND deleted AND removed account to my credit bureau AGAIN. Account # XXXX. Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX-XXXX  This collection agency is using intimidation, fraud, abusive tactics, and harassment by repeatedly reporting an account that is false and has already been disputed and removed from XXXX. They have now reported to XXXX  to intimidate me and cause harm to my credit rating.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) I am a victim of human debt XXXX, which falls under XXXX  according to XXXX-Debt Final rules1002, 142 ( b ) ( 4 ) -5 -- 1002142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within >>>>>>4 BUSINESS DAYS<<<<<<<<<pursuant to 605C of the Fair Reporting Credit Act. I am a victim of XXXX XXXX of debt bondange and would like for all listed accounts to be blocked and removed from Equifax. XXXX XXXX XXXX XXXX XXXX {$1300.00} According to the FCRA, specifically : 1. **Section 605B** : Requires the deletion of information resulting from identity theft. 2. **Section 611** : Provides the right to dispute information in my credit file. 3. **Section 623** : Requires that furnishers of information to credit reporting agencies ensure the accuracy and integrity of the information provided. 4. 15 USC 1681 Section 602 states I have a right to privacy. 5. **15 USC 1681 Section 604 ( a ) Section 2 states a credit reporting agency can not furnish an account without my written instructions. 6. 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to Despite my previous attempts to resolve this issue with both the creditor and your agency, the inaccuracies remain on my report. In addition, please note that if this matter is not resolved promptly, I will be compelled to escalate my complaint to the Attorney General 's office. This step is necessary due to the multiple failed attempts to address this matter through the proper channels. I will be waiting for 30 days before I escalate this matter any further ( FRCA section 611 ( A ) ( 1 ) .According to FRCA Section 604 ( A ) ( 3 ), please provide proof of signature giving the the approval to pull my credit report, run my credit report, or do any kind of business. If you can not verify the debt, please remove this off my account for the THIRD TIME!!! According to FRCA section 605 ( c ) you are in error by even updating this account! I am disputing all inaccuracies including my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for over a year and nothing has been resolved. 
PER 17 CFR 248.7 by law XXXX XXXX  informed me this was a no credit check application. XXXX XXXX, transunion, XXXX  and XXXX were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did .They have been reporting fraudulent information on my consumer report I have sent in police reports and ftc reports and they continue to report illegally to my consumer report. Due to the privacy act of 1974 it is very illegal to obtain my information without notifying me first, I have no knowledge of this account i have no knowledge of who these person are. I have never given this company my information and the way my information was obtain is a privacy act of 1974 concern. Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. I do not want my information in their system due to the privacy act of 1974. According to 15 USC 1681C-2 They have 4 days by law to remove thier information from my consumer report I have sent them an opted out letter at this point on both companies it is now willful noncompliance 15 USC 1681n .
Product: Student loan

Today I received a response from my CFPB complaint which closed the case, but that case was not resolved. 

I was removed from Administrative Forbearance, but my account wasnt changed to allow a payment due under my payment plan. My payment due date is still XX/XX/2024. With this status XXXX wont be able to take advantage of the SAVE interest waiver benefit, thus accruing thousands of dollars in interest.
Product: Checking or savings account

I am receiving what appears to be legitimate emails from chine.com that someone opened account ( s ) in my name
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Debt collection

Ive been paying this account for a year and a half now. Its hard to reach anyone at allllllllll!!! The website dont process the payments and when I finally do get a hold of someone after monthsssss they say they will process my payment and the payment doesnt come out at all .. my main concern is trying to get rid of this account but I cant if their is no communication!! I never even received any documentation on this account I just was trying to get it off my credit. Even my previous payments I dont have a receipt just a bank statement to prove I paid
Product: Checking or savings account

I was a victim of an inside job from wells fargo and my account was wiped clean. I was forced to immediately leave this bank and find another institution. I'm still struggling to this day to try and get back to the dollar amount that I had before this incident
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNTS ON MY CREDIT REPORTS ARE A RESULT OF IDENTITY THEFT. I HAVE FILED A COMPLAINT WITH THE FTC AND THE POLICE IN XXXX FL. 


US BANKRUPTCY COURT XXXX/DEPT OF ED US DEPT OF ED DIRECT US DEPT OF ED DIRECT XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On this account, the reporting agency is reporting my MOST RECENT PAYMENT DATE as XX/XX/year>. However, the report also indicates a payment made of XXXX DOLLARS. This means, in fact, no payment was made in XXXX of 2018 and that this information is INACCURATE. 

This inaccuracy is affecting my PAYMENT HISTORY, as well as my DATE OF LAST ACTIVITY
Product: Debt collection

This company has been calling me numerous times a day everyday. I eventually blocked the number and they now call over and over again from different numbers. I have spoken to several different representatives and tried to get information on this debt and amount because I have already spoken to the company directly, each time I was called a liar and told to PAY NOW! I believe this company is fraudulent and so is the charge on my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. This account has resulted in fraudulent collections appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accounts or collections. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections 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 card or prepaid card

We became delinquent on our account about the time XXXX XXXX hit Florida, where we live. We attempted to find out the specifics of our account balance such as how much of the total balance consisted of late fees, finance charges, penalties, interest, etc. The creditor would not tell us the breakdown of the amount due and said they could not access that info. I found that hard to believe since they are in the business of extending credit to consumers.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX, 2024 NATIONAL ENTERPRISE SYSTEM XXXX XXXX XXXX OHIO XXXX XXXX Re : Dispute of Alleged Debt Dear XXXX, Please be advised that this letter serves as a formal dispute of the alleged debt referenced in your correspondence and sent to me in relation to an account that you claim I owe. I am writing to request full validation of the debt as permitted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Sec. 809 ( b ). This letter is not a refusal to pay the debt, but a request for proper documentation proving that I owe the amount you claim. 

As per my rights under the FDCPA, I request that you provide the following information and documentation : The name of the original creditor on the alleged debt, and the corresponding account number. 
The original amount owed, including a full, itemized payment history starting from the date the debt was first incurred with the original creditor. 
Legal documentation that proves I am legally obligated to pay this debt. 
The original date of delinquency on this account. 
A copy of the agreement granting you the authority to collect this alleged debt, or proof of assignment or transfer of the debt to your agency. 
The amount you paid to acquire this debt and how the current balance owed was calculated. 
Please provide all requested documents within XXXX  days of receipt of this letter, and please do so via certified mail. Failure to provide the requested documentation will result in the immediate removal of any claim against me and the corresponding entry from my credit profile. 

Additionally, I am formally notifying you that you do not have my consent to contact me through any means other than in writing, and you do not have my authorization to access, possess, or report any of my private information. Any such unauthorized actions are considered a violation of my rights and may constitute aggravated identity theft under applicable law. Furthermore, I did not grant you permission to report my information to any credit reporting agency. I demand that you cease reporting this information immediately until full validation has been completed. 

Under the Fair Credit Reporting Act ( FCRA ), I expect that you will flag this account as disputed with the credit bureaus during the validation process. You are also required to cease reporting this information to any credit reporting agency while the dispute is ongoing. 

Please be advised that a copy of this letter has been forwarded to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and all three national credit reporting agencies ( XXXX, XXXX, and XXXX ) to initiate their own investigations concurrently with your review. 

If I do not receive the requested validation within the specified XXXX  days, I will take appropriate action, including filing complaints with the FTC, CFPB, and relevant state authorities. Additionally, I reserve the right to pursue private civil action for damages caused by this matter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XXXX of 2022 I rented a vehicle from XXXX rental car I used there services up until XX/XX/2022 I had an issue with XXXX charging both my XXXX account and my capital one account at the same time! I reported these issues to both of my banks niether bank helped me fix the issue so I returned the car on XX/XX/2022 I received an email from agent XXXX XXXX a repo person I spoke with her at XXXX and told her I no longer had possession of the rental car I dropped it off overnight at the rental location because I was frustrated and tired of being overcharged. She told me that they dont have possession of the vehicle so I told her she should call the cops an report the car stolen she told me she would contact the owner and they would right away call the police so that the issue could be resolved. I heard nothing else from them. No more charges were being made to my account. So on XX/XX/2022 I got a charge on my capital one credit card with a XXXX limit for XXXX after several times of my card going over a couple hundred and me paying it and then constantly telling me they can assure me that this wont happen again and then it did! XXXX rental car left open the contract on a car I returned a car that was stolen from their property a car that I told them to call the police for because I know where I left it. So now I have a charge on my account that I cant even afford to pay off because of a mistake that XXXX made and my bank is not any help how do they allow this to happen my limit is only XXXX XXXX cant even walk in the store and buy milk for my kids if I wanted to after I reach my limit this should be Illegal.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX XX/XX/XXXX in the amounts of {$450.00}, XXXX XXXX XX/XX/XXXX in the amount {$280.00}, XXXX XXXX  XXXX XX/XX/XXXX in the amount of {$0.00}, XXXX XXXX XXXX XXXX in the amount of {$0.00}, XXXX XXXX XX/XX/XXXX in the amount of {$690.00}, XXXX XX/XX/XXXX in the amount of {$27.00}, XXXX XXXX XXXX XX/XX/XXXX in the amount of {$1100.00}, XXXX XXXX XX/XX/XXXX in the amount of {$200.00}, XXXX XXXX XXXX XX/XX/XXXX in the amount of {$260.00}, XXXX XXXX  XXXX XX/XX/XXXX in the amount of {$47.00}, XXXX XXXX XXXX XXXX in the amount of {$0.00}, XXXX XXXX XX/XX/XXXX in the amount of {$0.00}, XXXX XXXX XXXX XXXX in the amount of {$0.00}, XXXX XXXX XXXX XX/XX/XXXX in thr amount of {$0.00}, Mobile account ; XXXX XXXX XX/XX/XXXX in the amount of {$1000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. 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, XXXX, XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit card accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I certified mailed a FTC Identity Theft Report to Experian with a copy of my Drivers License, Utility bill, social security card and a statement that the information is not information relating to any transaction by me. The USPS confirmed that Experian received the documents on XXXX XXXX. I called and was told by customer service agent XXXX that my Identity Theft report was missing some information. She said to resubmit a clearer copy with my drivers license. She also said that all the accounts that I had in my Identity theft report will not be blocked after I send the new copy of my Identity theft report to them, because the accounts don't meet Experian 's criteria to be blocked. She said she can't share why because others will try to default on account and claim identity theft. I sent the new copy of my FTC Identity Theft Report. This is absolutely upsetting to me! How is this possible when 15 U.S. Code 1681c-2 says " Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 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. ''
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I submitted a cease and desist letter to stop communication via phone and only have communication in writing on XX/XX/2023 yet I still keep getting two three calls a day from them and they are using different numbers. The company in question is FBCS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX i filed disputed with the credit bureaus im not why i have yet to received. please help me with this matter.