23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a debt collector that has called my place of business, and threatened to call my HR department to get inforamtion about me. It is against my company policy for these typoes of calls to happen. I told her to not to call my p [ lace of business again, and hung up. She continues to harass me and I need for this to stop..
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX  XXXX XXXX, KY XXXX ; XXXX XXXX XXXX  XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$5600.00} ; XXXX  - XXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXX XXXX : {$650.00} ; XXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$4500.00} ; XXXX XXXX, I ( Original Creditor Name : XXXX  XXXX XXXX XXXX Balance : {$57.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX ) XXXX  Balance : {$720.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six 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 Date opened XX/XX/XXXX Balance {$8100.00}, DEPT OF ED / XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF ED / XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF ED / XXXX XXXX Date opened XX/XX/XXXX Balance {$2300.00}, DEPT OF ED / XXXX XXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF ED / XXXX XXXX Date opened XX/XX/XXXX Balance {$460.00} DEPT OF ED / XXXX XXXX Date opened XX/XX/XXXX Balance {$4600.00}, DEPT OF ED / XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, and DEPT OF ED / XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and Equifax credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/ Ive notice this fraudulent account XXXX XXXX XXXX XXXX Amount owed {$4500.00} this is a list below of fraudulent inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On Monday XX/XX/XXXX, I contacted EdFinancial ( https : //edfinancial.com/welcome ) after learning that student debt payments made on XX/XX/XXXX or after can be refunded as I made my $ XXXX payment ( remaining balance ) on XX/XX/XXXX. I asked for a refund due to the recent announcement from the current administration for student debt relief. 

The EdFinancial representative noted that this refund can take anywhere from 150 days to 170 just for EdFinancial to process the request which is alarming as I have heard other loan service providers have given ~1-3 months process time and the student debt payments resume XX/XX/XXXX. Further, I was told I would not be getting a confirmation that my refund request has been processed and have no way of knowing if my refund will be processed in time to apply for loan forgiveness. 

Attached payment remittance of $ XXXX that includes my account #.
Product: Credit reporting or other personal consumer reports

I am filing a compliant against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the accounts accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act, 15. U.S.C, 168i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the consumer Financial Protection Act, 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFRB 's recent administrative proceeding ( File No. 2025 XXXX ) against them for similar violations. I request the CFPB take action to ensure Experian complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : 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 COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( private case number ) 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: Debt collection

Wells Fargo claims I owe {$190.00} from account number XXXX, a closed checking account. This amount includes two funds transfers in amount of {$50.00} as well as a provisional credit reversal in amount of {$290.00}, a debit card dispute from merchant by name of XXXX. The item ordered from XXXX, a mens t-shirt, was not received. It was sent via XXXX with a forged signature, XXXX driver has a habit of forging signatures, leaving packages where they can be lost/stolen. Previously, driver signed a package as " XXXX XXXX '', no one by initial M lives at my address, in fact, I live alone.. Due to complaint filed in re, driver chose to sign package as " XXXX XXXX '' this time. This was explained in prior CFPB complaints in re, Wells Fargo chose to ignore this information, refer me to account recovery dept for payment on account in which case, I do not pay for items no received nor will I ever..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account XXXX has violated my rights. 

15 US Code 1681 Section 602 States I have the right to privacy.

15US Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Section US Code 623 ( s ) ( 5 ) : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS VICTIM OF IDENTITY THEFT, SOMEBODY USED MY PERSONAL INFORMATION
Product: Credit card

Amex says they do not allow customers to record calls while they record customers. 

They are blocking transparency and consumer rights by preventing customers from keeping records of their interactions. 

This raises concerns about whether Amex is misleading customers over the phone, knowing there will be no proof of their deceptive practices.
Product: Credit reporting or other personal consumer reports

Dear [ CFBP ], I hope this letter finds you well. I am writing to bring to your attention a matter of great concern regarding my disputed XXXX XXXX XXXX and XXXX XXXX accounts. I have repeatedly disputed these accounts on various dates, including XX/XX/XXXX and XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XXXX, XXXX. 

To my dismay, despite my efforts to rectify the situation, Experian, the credit reporting agency, has put both accounts back on my credit report without any prior notification. This is highly concerning as it directly undermines the accuracy and integrity of my credit history. 

It is important to note that XXXX was successfully deleted from my report on XX/XX/XXXX, and XXXX was likewise removed on XX/XX/XXXX. Having provided Experian with all the necessary documentation to support my claims and ensure the removal of these accounts, I find it deeply troubling that they have been reinstated without any valid reason or explanation. 

I kindly request your intervention in this matter. I believe it is crucial for the CFBP to be aware of these unfair practices, as they not only affect my personal financial standing but also potentially harm other individuals who may be facing similar situations. 

I urge the CFBP to thoroughly investigate this matter and ensure that Experian adheres to the highest standards of accuracy and accountability when handling consumer credit information. Additionally, I kindly request that Experian be instructed to promptly remove the disputed XXXX XXXX XXXX and XXXX XXXX accounts from my credit report, given the evidence and documentation I have already provided. 

Thank you for your attention to this matter. I trust that the CFBP will address this issue with the utmost urgency and provide a fair resolution.
Product: Debt collection

I XXXX XXXX am reaching out to the CFPB on XX/XX/year> regarding a complaint I have submitted to the debt collection agency Portfolio Recovery Associates LLC. I contacted the company on XX/XX/year> and haven't heard anything back within the allotted 30 days this debt collection agency was allotted. I have not received proof that this company is the HOLDER IN DUE COURSE, of the alleged debt they are trying to collect from me, the original contract with my wet blue ink signature affixed on the documentation. They have violated law by contacting my place of employment regarding this debt which is in direct violation of Federal law pursuant to 15 USC Section 1692 ( c ), ( e ), & G. Additionally, these are the same violationgs of 18 USC 1512 ( a ), ( b ), ( 2 ), ( 3 ), and section 1513 ] with fines of {$250000.00} or imprisonment not more than 10 years, or both. The CFPB is my witness in which I will include the original documentation sent to this company along with the document being notarized as this is a SERIOUS matter. Not only did they not provide obligation ( s ) of the debt requested they are continuing to report this wrong information on my consumer credit report ( s ) which I am liable to sue and collect for damage ( s ) based on the violation ( s ) of the Fair Credit Reporting act I have referenced.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXXXXXX {$600.00} XXXX XXXXXXXX {$720.00} Addresses XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My consumer right has been violated according to 15 us code 1681 .... inaccurate which should be deleted immediately...
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave EXPERIAN any written consent to report anything on my credit report. No consent is IDENTITY THEFT.
Product: Debt collection

My employer was notified about this, this year ( this is when I found out ). This is in regards to a credit card from XXXX XXXX  that I had in the early XX/XX/XXXX. This  debt was paid off. When I received the notification ( from my employer, XXXX XXXX ), I contacted a lawyer that advised me to go to the XXXX county court house and get a copy of the summons. Which I did. At which time I found out that they served my old place of residence, they served me at XXXX XXXX XXXX. I was no longer living there. I had not lived there in over 3 years. They never gave me an opportunity to defend myself at the time. 
After finding out about this " debt '' I went online to do some research and I was able to go to XXXX XXXX ( XXXX ) and I was able to log in just using the last four digits of my social security number. According to their website, I've made payments. I have NEVER made any payments to this company. When I paid off my credit card ( XX/XX/XXXX ) it was after XXXX XXXX XXXX took over for XXXX. My payment was made over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to allow me to challenge child support, which is clearly incorrect. THis item is already deleted from my XXXX report! I have had this problem for quite sometime, my constitutional rights are being tossed aside, please help me! Have a blessed day!
Product: Credit card or prepaid card

About a year ago, I applied for a credit card with Navy Federal Credit Union and I got declined for causing Navy Federal Credit Union a loss. I filed a complaint and Navy Federal Credit Union said that they did no wrong doing. On or about XX/XX/XXXX I again applied for a credit card with Navy Federal Credit Union. I again got declined almost instantaneously. The peculiar thing about my most recent declination is that my credit report was not pulled, so I believe that I am being declined because I filed chapter XXXX bankruptcy and included my Navy Federal Credit Union accounts. I feel that I have been " blacklisted ''. I feel that this is unethical and unacceptable. Bankruptcy is legal and financial institutions should not be able to hold a bankruptcy, especially when my bankruptcy was discharged in XX/XX/XXXX. I feel that I am being singled out due to me filing bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and I saw that my credit score is low. I don't understand why you put this information on my account. I believe someone used my personal information and applied for this.
Product: Consumer Loan

I am receiving XXXX calls a day from Someone named XXXX XXXX. 
The number calling is XXXXThe calls happen up until XXXX XXXX. It happens 7 days a week. 
A message is never left. I have left word to leave a message or stopcalling. Have left multiple cease/desist requests to no avail. The levelof harassment in obscene. I have logged over 80 calls in a week. AndI have no idea what it is about. I only know it is Toyota from caller ID. 
Have notified them that the number is blocked -- does not stop them.
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 and XXXX 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. I am filing this FTC Identity Theft Affidavit to report multiple fraudulent inquiries and accounts which I do not recognize as reported and which are the result of identity theft and fraud. Specifically, these fraudulent accounts include : A Inquiry with XXXX XXXX XXXX XXXX, 2022 ( TransUnion ) A Inquiry with XXXX XXXX XXXX XXXX XXXX, 2022 ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Retrieved a credit report XX/XX/XXXX and noticed that there were several accounts that had been removed from my report had reappeared on my credit report. I am aware that I am to be notified of this information within 5 days in which I have never been notified of. I reached out to Experian, XXXX and XXXX on XX/XX/XXXX around XXXX-XXXX ( EST ). I made the request to have fraudulent and/or inaccurate information removed from my credit report. I faxed a written request with a copy of my driver 's license, passport and a utility bill as proof of identification. The fax was successfully transmitted to Experian on XX/XX/XXXX at XXXX, XXXX on XX/XX/XXXX at XXXX,  XXXX on XX/XX/XXXX at XXXX. To date, I have received updated personal information reports from XXXX and XXXX. I have not received any notification from Experian. I have also been a victim of the most recent data breeches and I have added a fraud alert to my credit file after being made aware, via identity verification, that my information had been affected by the breech in XX/XX/XXXX.  There are numerous inquiries being reported on my credit file that have not been authorized by me, therefore, are fraudulently being requested. I can verify that there should only be a few inquiries listed on my credit file from XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX ( stars and stripes ) in the latter part of XX/XX/XXXX. There were several accounts and inquiries that were removed and re-added to my report after the first breach of XX/XX/XXXX under multiple names ( XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX Card Services ) without notifying me which is also a violation. While I am not saying that the addition or removal of this information from my report is due to the breach however, I feel that it could be related. I am not denying owing any debt however ; I am requesting that the information being listed on my report is being done without violation. I am well aware of my rights as a consumer and I have tried to resolve these issues with the credit bureau on several occasions and the failure to respond to such request has made this complaint necessary. I have reached out to some of the creditors who have placed inquiries on my credit file and informed them of fraudulent activity/requests and requested that these inquiries be removed. I was advised to contact the credit bureaus to resolve the issue. I am being passed back and forth with no real resolutions therefore, I am filing a formal complaint. Prior to being made aware of this information, I was unaware that this information was being reported in the manner in which it was therefore, I am reaching out to all bureaus to rectify the issue.
Product: Credit reporting or other personal consumer reports

I discovered multiple fraudulent accounts and inquiries on my credit reports from Experian, Equifax, and TransUnion that I did not authorize or open. These accounts are directly tied to my compromised personal information.

Despite my repeated efforts to resolve this issue, the credit reporting agencies ( CRAs )

have failed to investigate and remove the fraudulent items, violating multiple federal statutes, including : 1. 15 U.S.C. 1681c-2 Failure to block fraudulent information within 4 business days of receiving my dispute and supporting documentation.

2. 15 U.S.C. 1681b Unauthorized sharing of my personal and financial information without permissible purpose.

3. 15 U.S.C. 1692g Failure to provide written notice of alleged debts within 5 days of reporting.

4. 15 U.S.C. 1681n and 1681o Willful and negligent non-compliance with the Fair Credit Reporting Act ( FCRA ).

5. 26 U.S.C. 6050P Failure to provide proper validation of any alleged debt, including evidence of cancellation or discharge via Form 1099-C, if applicable. 


Harm Experienced : The fraudulent reporting of these accounts has caused significant harm to my financial reputation, including : 1. Denials of credit applications.

2. Damage to my credit score.

3. Emotional distress caused by repeated failures of CRAs to address the issue.

Actions Taken to Protect Myself : 1. Filed Multiple Identity Theft Reports with the FTC. 
o FTC Identity Theft Report Number : XXXX XXXX. Notified the creditor ( LENDERS ) and initiated a fraud investigation. 
3. Placed fraud alerts and frozen my credit reports with all three major credit bureaus.

4. Filed disputes with Experian, Equifax, and TransUnion.

5. Currently in the process of filing a police report.
Product: Credit card

I telephoned Regions Bank at XXXX pm CST on XX/XX/2016 to make payments on XXXX credit cards that were due that day. I was placed on hold for an excessive amount of time and was transferred between numerous employees who were unable to pull up my account information. I gave my credit card number, federal tax id number, name, address, and other personal information to multiple operators and none of them was able to find my account in their system. This prevented me from making the payment on the date that it was due. The incompetent service at Regions caused additional late fees to be charged to my account.