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

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

TransUnion has suffered a handful of data breach incidents over the past 18 months, including a XXXX incident in which hackers obtained the personal information of up to XXXX XXXX individuals Five years ago, a massive data breach occurred. On XXXX XXXX, XXXX, the XXXX credit bureau publicly revealed its computer networks had suffered a data leak that exposed the personal information of XXXX XXXX consumers, a number later raised to XXXX XXXX. That data included consumers names, addresses, dates of birth, Social Security numbers and credit card numbers all of which could lead to identity fraud and other financial crimes. 



XXXX, one of the XXXX XXXX XXXX XXXX XXXX, experienced a significant data breach in XX/XX/XXXX. This breach exposed the personal information of millions of consumers due to unauthorized access to data from a server that contained information for clients, including XXXX The incident was particularly concerning due to the nature of XXXX 's business, which involves handling sensitive personal credit information
Product: Credit card or prepaid card

A {$100.00} XXXX Gift Card I purchased at my local XXXX XXXX on XX/XX/22 XXXX was immediately deactivated by the time I logged in at home to register the gift card on XXXX. I went to back to XXXX XXXX to verify if they somehow didn't activate it, but they referred me to their gift card helpline at XXXX. I had to call the XXXX ( XXXX ) help line the next morning on XX/XX/22 since they were already closed. The XXXX help line said their system showed that the card was activated and authorized for the {$100.00} - Case # XXXX documented my inquiry to XXXX. 
I then called the number on the back of the XXXX  Gift Card XXXX. I spoke with XXXX giving him the last 8 digits on the back of the card, and he informed me that their fraud dept. had deactivated the card due to potential fraud. I explained that I just purchased the card last night, and I was not able to even registered the card on their website due to the site giving an invalid card number error. 
XXXX was only able to offer me a replacement card to arrive by regular mail in 7 to 14 business days. I mentioned to him if you're trying to avoid fraud on the card then expedite delivery of the replacement card through XXXX or XXXX not regular mail where it can be lost or stolen. XXXX responded they don't offer any other delivery method. He was not able to provide a case number or tracking number in reference to the replacement card. When I asked for a supervisor he hurried me off the call and hung up on me ignoring my concerns. 
XXXX  Gift Card company is making money off the {$100.00} that I can't use until the replacement card arrives. It is unfair that they not only make money off the {$5.00} activation fee, but now they have pocketed my money for 2 weeks. I have been greatly inconvenienced not being able to utilize the gift card to pay bills. This business practice should be unlawful.
Product: Debt collection

I contacted NCB Management, Via certified mail it was signed for on XXXX XXXX, I ask them to verify account, within 30 days, they never did, but they updated the account on my XXXX Credit Report on XX/XX/2020. When I spoke to a representative, I was told that I needed to contact the company. On XX/XX/2020. I received a letter stating that they couldn't substantiate my claim and asked my to send over any information, that may have to help them with this account. XX/XX/2020, they received a letter stating that they have 10 days to removed said account from my credit report. Haven't heard anything from them since than, But XXXX  updated my dispute on last evening saying that the account was updated and not deleted. I need help ....
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries listed on my credit report, which I obtained on [ Date of Report ]. The following inquiries were made without my consent and are inaccurately reflected on my credit file : XXXX XXXXXXXX - Inquiry Date : XX/XX/202XXXX XXXX - Inquiry Date : XX/XX/2023 XXXX XXXX - Inquiry Date : XX/XX/202XXXX XXXX XXXX - Inquiry Date : XX/XX/2023 These inquiries do not reflect any legitimate or permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related laws. Specifically : FCRA Section 604 outlines permissible purposes for which inquiries may be made, emphasizing that inquiries must have the consumer 's consent.

FCRA Section 609 affords consumers the right to dispute inaccurate or unauthorized information on their credit reports.

FCRA Section 611 requires that consumer reporting agencies investigate disputed items, such as unauthorized inquiries, and correct or delete information found to be inaccurate or unverifiable.

Additionally, the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq., prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, or because an applicant receives income from a public assistance program.
Product: Checking or savings account

I am the victim of a scam. The scammers contacted me on night of XX/XX/20 via text, under the pretense of a " XXXX XXXX jobs. On the morning of XX/XX/20, I was awaken by a call, telling me I had a package delivered. They'd sent a check via XXXX  for {$3100.00}, funds that were supposed to be used for equipment in the setting up of this " office ''. They seem very knowledgeable of the Banks that release ALL THE FUNDS, even though its not cleared, because they specifically asked about my bank to see if its a bank that they 'worked with '. Immediately after depositing the check around midday, whatever funds that were made available, they started disbursing to various people. These transactions were done through Citibank, and XXXX. The people receiving the funds were referred to as 'merchants, ' and I was told that to cooperate with sending money to them, because it was for the purchasing and distribution of the 'office equipment ', which was to include furniture, the computer etc. This is noted, in all my transactions as the reason for me sending the funds. Within 24 hours of me depositing the check, literally by the next day, Citibank RELEASED ALL the funds, and which time there was considerable haste to disburse whatever funds was left. In hind sight of course, it all makes sense. Nevertheless, it didn't matter to me, I just wanted to be done with all this banking transactions, because I wasn't comfortable with it, and I had far too many questions that were not answered to my likeness. I was actually in agreement with the haste they were making, because I felt confident that the funds were good and it was theirs, because Citibank had released all of it in such a short time. They continued asked for me to contribute a further {$500.00}, and at that time I was done, I told them 'no ' and not to contact anymore because I no longer had money for them. Around XXXX on the morning of XX/XX/20, the check bounced, putting my account in overdraft. I immediately called Citibank, in tears and reported that the check was fraudulent and all transactions associated with it. I explained everything that had happened in even more detail that this letter, I have also recently reported it to the police department in my area and I am currently working with a detective. This is obviously very hard for me, because like millions of other people, I am unemployed. Citibank has credited my only {$1100.00} so far, from what they recovered, but sent me a letter stating that they have 'completed their research ', on the {$2000.00} that remains outstanding. It basically states they are unable to assist further, with unless the banking institutions of the recipients, recover the money. Citibank has blame in this as well, I trusted my bank, I would've never done what I did, had those funds not been released. And whilst I know that they do make some funds available in the interim, as a courtesy to customers, I have never been privy to funds being released so quickly.
Product: Student loan

I have had several problems with this company originally I took out the loan with XXXX XXXX and it changed to Navient, when I filed bankruptcy, then immediately took action against my mother who was the co-signer, I tried to settle the debt and they wouldnt accept, Ok all this is fine and legal. However ... they never send statements, then when the XXXX per month payment is late they charge XXXX late fee, although they have n't sent a statement. When I ask for an auditing of my account they refuse, when I ask for a statement they refuse. They are hard to work with and anytime you ask for any sort of statement, or any sort of paperwork they refuse, if you ask for a supervisor, they refuse. You can not get any of the rights you are afforded under the law with this company.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within XXXX  days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections XXXX, XXXX ( f ) and XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has lost 3 police reports but nothing else. I now misplaced the reports they admit loading. The police reports weren't even needed but they lie and don't change nothing until you have one. So they deleted some hard inquiereys but there were 2 if each. So they deleted the first date off report but now they can't find it. It is 3rd time I sent two reports the police hated doing because this is fraud happening but not police fraud. I also used the FAIR CREDIT REPORTING ACT. They have my laws and what I asked for? They didn't do any of it and there 45 days are up. They lie and say the fair reporting agency doesn't apply to them. Probably because they are located in XXXX. Anyways they had their time and I sent them these small items but they refuse even with reports they used but now list. They do have my fcra sections 609,623 and 604. But they say they laws don't apply. I want the 5 hard inquiries that my ex put on my report off, the 2 late payments on XXXX XXXX  and XXXX credit cards that were mistakes off and the 7 year old fraud case of XXXX dollars somebody got card and took all of it out in cash. The credit can't company didn't inform me or the credit butesus. I we antbthst off like the 2 other agencies took off.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, I have the right to challenge any information on my credit report that Ibelieve to be incorrect. It's important to me that my credit report is accurate, and I take this matter seriously. While I dispute the claims of delinquency and derogatory information on my account, I request that you provide me with evidence to support your position. Specifically, I would like to see proof that the inquiries and accounts in question have a permissible purpose. I'm reaching out to you today because I'm concerned that this matter has not been handled properly. However, I believe that we can resolve this issue promptly and without any escalation. 
Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX Additionally, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : Account number : XXXX, FDCPA Section 807 Violation Misleading False Reporting - DELETE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX, FDCPA Section 807 Violation Misleading False Reporting DELETE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : XXXX, FDCPA Section 807 Violation Misleading False Reporting - DELETE!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I mailed in a communication to Equifax to look into some accounts on my consumer report that I believe are inaccurate. I asked them to investigate the accounts to ensure they contain the maximum possible accuracy. 

To date, I have not heard about any specific action taken by Equifax regarding the items I had identified in my consumer report as inaccurate or unauthorized, nor do I see any changes to my report. 

The FCRA also includes what should be excluded from a consumer report. 

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) Permissible purposes of consumer reports, ( a ) 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 the written instructions of the consumer to whom it relates. 

I did not give anyone at Equifax written instructions to furnish any of these accounts to my consumer report. 

Equifax has violated multiple laws within the FCRA, and they are not complying with these laws in a timely manner. 

The accounts in question are as follows : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted your office after I ordered a credit report with XXXX XXXX  on XX/XX/. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time just today I have charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with the accounts listed below, so please help me remove this charge off including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. PLEASE DELETE THIS FRAUDULENT ITEMS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

one XXXX XXXX XXXX account is reporting under my transunion and XXXX  credit reporting agencies, this is a fraud or inaccurate information reporting under my name, i had disputed this account and was removed from my credit file, but then after 7 months it reappeared, please i need you help to get to the bottom of this inaccurate reporting. i have attached my police report and the FTC report that shows this account number and the date was opened and the balance. this is not mine, needs to be removed as soon as possible. 
thank you for your cooperation
Product: Debt collection

I am writing to file a formal complaint regarding the improper practices of Portfolio Recovery Assoc, which is attempting to collect a debt that has not been properly verified. I have requested verification of this debt under the Fair Debt Collection Practices Act ( FDCPA ), and they have failed to provide sufficient evidence to substantiate the claim. 

Specifically : No Original Signed Agreement Provided : The collection company has not provided a copy of the original signed agreement to prove that I am responsible for the alleged debt.

Improper Verification of the Amount Owed : They have not adequately verified the exact amount owed, excluding interest or fees, as required by law.

I believe these actions are a violation of my rights under the FDCPA and potentially other applicable laws. I request that you investigate this matter and ensure the collection company is held accountable for adhering to federal regulations. 

Enclosed, please find copies of all correspondence related to this matter, including my request for debt validation and the collection companys response ( or lack thereof ). 

I appreciate your attention to this matter and look forward to your assistance in resolving it. Please feel free to contact me if you need additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian stated they mailed a reinsertion letter the following day but I never received it. I would like a copy of the reinsertion letter that was mailed to me stating that XXXX, XXXX XXXX and XXXX XXXX XXXX was reinserted. If they can not provide a copy of the reinsertion letter as proof I am requesting these item be removed from my credit report.
Product: Credit reporting, credit repair services, 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 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 them immediately in my report : XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX. Also, I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX, XXXX. XXXX and XXXX XXXX XXXX XXXX Please remove the late payments and update these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2023. To remove personal information I don't want on my credit report. 
According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is supposed to share my information with third party people. 
These are clear violations of my federally protected consumer rights, Also 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. 
XXXX XXXX xxxxxxxxxxxx XXXX, has violated my rights. 
XXXX XXXX xxxxxxxxxxxx XXXX, has violated my rights. 
XXXX XXXX xxxxx XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  XXXX XXXX, has violated my rights. 
XXXX xxxxxxxxxxxx XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX  XXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX xxxxx 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: Credit reporting or other personal consumer reports

I was shocked this morning when I noticed that inaccurate accounts had suddenly appeared on my credit report, and I have no idea why. I check my credit report regularly, but this time, there were discrepancies that seemed to come out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but the accounts were still there. Now, Im really concerned and requesting that the documents Ive sent are thoroughly reviewed, so I can stop worrying about this happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

the account are closed but still on my credit report, is been more than 7 years