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

This is my 11th 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, block 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I learned last year that someone opened an account via XXXX XXXX in my name. XXXX will not provide a address where this card was mailed to nor how it was obtained, because I requested surveillance video to prove it was n't me but was told it was n't within their policy. I have never applied nor received a credit card from this company. Once I became aware of the account after receiving a collections notice, I contacted the company to advise the account was fraudulently obtained. I also notified XXXX to advise I did not open this account, at which time I later was notified that the account had been marked as fraudulent. Yet I am still receiving collection notices demanding payment on this account since it seems to continue to be brought by other collection agencies. Which is damaging on my credit report and I would like to ensure it is removed. According to the most recent notification I received from XXXX XXXX XXXX dated X/XX/17 the Original creditor XXXX XXXX Original account number XXXX with a balance of {$570.00}. After doing some online research I have learned that XXXX is allowing accounts to be opened online without any identification verification, if they have gained access to a persons date of birth, last four of their ss they can open an account. This has to stop
Product: Checking or savings account

On XX/XX/XXXX I called bank of America and was told they could only refund 1 overdraft fee. In the past if I wanted any of the fees refunded they would comply.
Product: Debt collection

I sent Midwest Fidelity a debt validation letter in XX/XX/XXXX, a year ago, when this pooped up on my credit report.

I asked for : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). Familiarity with ( XXXX XXXX.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that they own the debt with full clear title ( 8 ). Proof that they were on the original contract ( 9 ). Proof they are bonded in the state of Georgia ( 10 ). Proof they are who they claim They did not respond, so they account was deleted due to the violation and i asked for a cease and decist phone calls and letters. 
now its XX/XX/XXXX, they sent me another letter asking for a lesser settlement amount. ( violation 1 ) They are misrepresenting their name with the credit bureau this time around. they are claiming XXXX XXXX XXXX ( which i don't have an account with ) is collecting the debt instead of them. the report shows Same address and phone number on the report as Midwest Fidelity.

Who are they trying to fool? ( violation 2 ) Legally, no items ever deleted from a credit file can not return with the same company. ( so this is why they changed the name ) ( violation 3 ) FDCPA i will be filing a compliant with the FTC, XXXX, AG, and others
Product: Money transfers

I was a victim of fraud. Was leasing a home through XXXX. I sent a deposit of {$100.00} to the person leasing the home but the more I verified the more I realized he was a fake person. Moneygram needs to have better verification and require IDs. I lost {$100.00} to this person who listed a home on XXXX. The address is XXXX XXXX XXXX. XXXX, WA. The man claimed to be named XXXX XXXX. His phone number is XXXX. The man says he lives in XXXX and was renting out his home. But the home is not his from what I can tell.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have worked with the CRAs to dispute inaccuracies and fraudulently reported information on my XXXX. XXXX is the only creditor who refuses. 
I have called and emailed to dispute two fraudulent accounts and XXXX refuses to assist. I already filed a FTC report and complaint. They violated FCRA and FDCPA by refusing to dispute two inaccuracies and fraudulent accounts and trying to contact me while my dispute was in progress. They are a scam company and take advantage of consumers with unscrupulous practices. My ex roommate used my SSN without my consent and XXXX refuses to remove the XXXX accounts and XXXX XXXX accounts that are fraudulent after receiving my FTC report. They also refuse to give me access to look at dispute results online. I called and faxed them paperwork. They are taking advantage of Consumers. I know my rights to have accurate data reported to the CRAs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX on XX/XX/2021 by certified mail requesting investigation and verification of collection acct from XXXX XXXX 
On XX/XX/2021 I sent a follow up letter to XXXX requesting that the account be remove because the collection agency failed to respond to my request to validate the debt. 
On XX/XX/2021 another certified letter was sent to XXXX requesting removal because collection agency did not respond to my request and did not provide validation. 
XXXX  responded and said the account was verified as accurate and will remain on report. 
On XX/XX/2021 another letter was sent to XXXX requesting removal and also requesting how account was verified as correct when the collection refuse to provide me with such information and how did XXXX obtain this information. 

Its been XXXX business days since I sent my original request for validation to the collection agency XXXX XXXX and I have yet to receive a response. 

Its been XXXX business days since requesting XXXX to properly investigate this account and to remove since it cant be validated. XXXX I ignored my request and I would like this account deleted ASAP for failure to respond and provide validation. 

XXXX XXXX failed and refuse to provide me with validation of this account and proof that this acct belongs to me and they recently reported the account to my Equifax report.
Product: Debt collection

Called twice this week, from National Enterprise Systems, a debt collection company, and a computer generated voice directed me to to call back at the phone number XXXX XXXX. 

Same company called next day, but a different phone number and extension was given XXXX XXXX. 

I do not have any outstanding debt. I have not responded to the phone calls. This is a computer generated voicemail, and I consider these calls harassing in nature.
Product: Debt collection

Received a bogus collection letter from Convergent Outsourcing Inc . Addressed to XXXX XXXX ( not my first name or initials ). Attempting to collect a XXXX debt of {$440.00}.
Product: Debt collection

This debt has been paided off but it is still on my credit report
Product: Credit card

XXXX had sent out XXXX cards which I did not want and destroyed. The card was never activated. I received a bill for my XXXX membership on the card today. I had to call Citibank and be detained on the phone through XXXX representatives to get the card cancelled. I am very upset that this card was activated without my permission. I was also told I should call back to make sure the my account was cancelled. This is wrong that a I have to spend my time jumping through hoops for a card that was opened without my authorization.
Product: Credit card or prepaid card

I was billed {$38.00} by XXXX on my XXXX statement from Chase Visa. I contacted Chase Visa shortly thereafter to dispute the charge. The charge resulted from misleading advertising and was for a product I am unable to access in any event. I have contacted the firm to request their ceasing to bill me, but I have received no reply. The charge has appeared on the next statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XX/XX/2016 XXXX -XX/XX/2016 XXXX- XX/XX/2016 XXXX- XXXX/2016 XXXX XXXX- XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX- XX/XX/2016 XXXX- XX/XX/2016 XXXX- XX/XX/2016 XXXX-XX/XX/2016 XXXX-XX/XX/2016 These are hard hard inquiries that was made on my transunion report. It was a fraud alert place on my file at that time. and no one called to verfiy my information with me stating these alerts. and now that i 'm trying to purchase my first home these are effecting me.
Product: Debt collection

I have made this complaint about this company Enhanced Recovery Corp. that is still showing on my credit Reports as a negative trade. The original fie was already disputed and was found to not be my account I have never signed anything with that creditor and did report that it was frequently. Enhanced Recovery Corp a collection agency has not place the same account on my trade stating that I owe which is not incorrect. Enhanced Recovery Corp. sent me a response via the CFPB stating that they will remove the trade, but it will take them up to 45 days. In one week I apply for another lease for an apartment for my family and I to move in and since I have already been denied a place to live last month because of inaccurate reporting. I know that I will get denied again because, of the inaccurate reporting cause by Enhanced Recovery Corporation via the CRA 's I have arranged to speak with legal counsel in regards to Enhanced Recovery Corporation. and the XXXX, XXXX and XXXX for False or misleading representations. I have already enclosing a copy of sections 6058, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft to the attorney General of California for the original credit and the last XXXX collection agencies. I refused to wait 45 days for Enhanced Recovery Corp to remove the inaccurate trade. Enhanced Recovery Corporation has an Inactive Status in the state of XXXX and withdrew authority to transact business or conduct business in the state of XXXX in 2010, but incorporated under the laws of XXXX. When researching Enhanced Recovery Corporation in XXXX I was not able to locate the Corporation, but discover another entities with different names other than what is reflected on my Credit Reports. 
Enhanced Recovery Corporation has continues to damage financial reputation, negligently support the enablement of identity fraud, and violating the Fair Debt Reporting Act. Why does this deceptive misleading practice continue and why does the Consumer Financial Protection Bureau does not place more research on the abusive debt collection companies.
Product: Debt collection

Someone identifying themselves as XXXX XXXX at CCB Credit Servuces call my employer on XXXX/XXXX/16 at XXXX XXXX. Number has never been listed as a contact on any account.
Product: Debt collection

I have an account on my credit report, CAPITAL ONE XXXX ( opened on XX/XX/2017 ) reporting on both XXXX and XXXX that has not been removed yet. This account has been paid off and not been removed yet. I have tried to dispute this account numerous of times but I have not seen any changes. please remove this account, it is impacting my opportunity to get a home and move forward with my life.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was in process of moving. Had been using all the rental sites. XXXX had a button to push if you were interested in a place. I did that and someone called me. They asked my credit score and had I been evicted. Then stated if I was really serious and sent them XXXX they would take the house off the market. He told me to do a XXXX  transfer. I thought because I was doing it through my bank I would be safe guarded. I was only able to get XXXX thank goodness. I tried to stop the processing but it was too late. I called wells fargo and still haven t heard from them. I was really under the assumption because I did it through them that I would be safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX  Account DATE : [ XX/XX/XXXX ] Reason : [ NOT CORRECT ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. 

Thank you for your time and help in this matter. 

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

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Among others. This is grounds for removal.

They also violated my rights under : 15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A sec. 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : that no consumer reporting agency may make any consumer report containing any of the following items of information.

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. 

Equifax, XXXX, and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquiries/accounts below be removed immediately per my instructions enclosed :
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Navy Federal Credit Union for FCRA Violations Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Navy Federal Credit Union ( NFCU ) for violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681b ( a ) ( 2 ), as well as for reporting inaccurate and misleading information related to my account. These violations have significantly and unfairly impacted my credit score, and despite my initial dispute filed on XX/XX/2024, Navy Federal has failed to address or correct the inaccuracies. 

Violations and Issues XXXXUnauthorized Access to My Credit Report Navy Federal accessed my credit report without my written consent after initial approval of loan and after the account was closed and paid off. This constitutes a clear violation of 15 U.S. Code 1681b ( a ) ( XXXX ), which requires that entities must have a permissible purpose or written authorization to access a consumers credit report. 

XXXXInaccurate Reporting of Loan Terms and Account Timeline Navy Federal has reported incorrect loan terms acocrding to open and close date for this account, which fails to align with the actual loan agreement. 
The length of time the account is being reported is incorrect, further demonstrating negligence in maintaining accurate records as required under the FCRA. 
XXXXAddition of Redeemed Repossession Notes After Account Closure Navy Federal added redeemed repossession notes to the account after the loan was paid in full and closed and went against agreement made at time of redemption. This misleading reporting is inaccurate and unjustly portrays a negative status on the account. 
XXXXnaccurate Late Payments Due to Insurance-Related Delays Navy Federal has reported inaccurate late payments that occurred during the time my vehicle was fraudulently stolen. These payments were delayed because they were being held by the insurance company during their investigation. 
Under the FCRA, credit reporting agencies and creditors are required to report only accurate and verifiable information, which has not occurred in this case. 
XXXXFailure to Correct Errors After Dispute I disputed these inaccuracies directly with Navy Federal on XX/XX/2024. To date, they have failed to respond or correct the errors in violation of FCRA 1681i, which requires a timely investigation and resolution of disputes.
Product: Credit reporting or other personal consumer reports

My account with the company has always been in good standing, and I have never been late with a payment. I have a stellar payment history with XXXX XXXX, with all payments set up on XXXX. The reported late payment is due to a systematic error on their part in processing my payment. 

This is a clear billing error by the company and does not reflect my actual payment history, which is a violation of USC Code 1681eb. This mistake has significantly harmed my reputation, character, lifestyle, and family.

I demand that the late payment reported in the specified months be removed.

The company is not in compliance with 15 USC 1666b, which outlines the requirements for treating a payment as late. They reported my payment as late without following the law.

According to 15 USC 1666b ( a ), a creditor can not consider a payment late if they have not adopted reasonable procedures to ensure that each periodic statement, including the information required by section 1637 ( b ), is sent to the consumer at least 21 days before the due date. 

The company failed to send the periodic statement and the necessary disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date in good faith pursuant to rule 1002, but this proof was never provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

Please remove the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/2025 To Whom It XXXX Concern, Re : Request for Deletion of Charge-Off Items from Credit Report due to FCRA Violation I am writing to formally request the immediate deletion of all " charge-off '' accounts reported on my credit file due to a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, these charge-off items should not be included in my credit report because, under the Internal Revenue Code ( IRC ) Section 61 ( a ) ( 12 ), they constitute " income from discharge of indebtedness '' and therefore should not be reported as delinquent credit accounts once they are forgiven or discharged.

Additionally, these accounts have remained on my credit file for an extended period, damaging my credit score and financial standing. The continued reporting of this information is inaccurate and constitutes a violation of my rights under the FCRA. According to the FCRA, information provided in consumer reports must be fair, accurate, and up-to-date. 

Here are the charge-off accounts I am disputing : [ Account XXXX : XXXX, XXXX ] [ Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ Account XXXX : XXXX XXXX XXXX XXXX ] I kindly request that these items be deleted from my credit report. Please be advised that if this issue is not resolved promptly, I may consider taking further legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any other relevant regulatory authorities. 

I expect a response from your office within XXXX  days, as mandated by the FCRA. Please confirm in writing once the necessary actions have been taken. 

Thank you for your attention to this matter. I look forward to a swift and favorable resolution. 

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

I recently received a copy of my credit report and upon review I found an account that is not mine. The account is SUNRISE CREDIT SERVICE and the original creditor is XXXX XXXX with a balance of {$730.00}. I live in Texas and have lived in Texas since the XXXX. I have never done business with XXXX XXXX in my life. I do not know where this account came from but it is not mine.