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

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$20.00} XXXX XXXX XXXX  XXXX Balance : {$80.00}
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft resulting from a recent data breach. Fraudulent accounts and inquiries have appeared on my credit report that I did not authorize. 
In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following account and inquiry be blocked and deleted from my credit file immediately : Fraudulent Account : XXXX - XXXX - XX/XX/XXXX - $ XXXX Fraudulent Inquiry : XXXX - XX/XX/XXXX
Product: Debt collection

On XXXX XXXX, XXXX, I was contacted by an individual claiming to be an investigator, XXXX XXXX, for the XXXX County Sheriff. He informed me that he had a file on me on his desk that was awaiting application for warrant for fraud. He told me that it was a courtesy call allowing me the opportunity to resolve it that day and avoid processing the warrant due to the fact he would not be able to stop it otherwise. He stated that I would be arrested in the morning and arraigned before a judge within 24-48 hours if I did n't have it paid this evening. I told him that I did n't commit and that I wanted to speak with the individual who filed the complaint. At that point, he did a conference call with an individual identified as XXXX XXXX ( XXXX ) XXXX, who was with Risk Management at a company called XXXX XXXX XXXX. During this conversation, it was discussed that I still owed a balance on an old debt with HSBC that had been turned over to his client, XXXX, for collection. I informed them that this account was settled in XXXX and that I had a letter stating it had been paid in full. XXXX XXXX responded by stating that it had only been recorded as a payment by XXXX XXXX and that the account would never have been settled for such a low amount. I was also informed that XXXX XXXX was no longer in business. I then informed him that this was the second time I paid on this and that initially it should have been settled in XXXX when I paid a lot more. I told him that I would provide documentation if necessary to resolve it. At that point, XXXX XXXX spoke up and stated that the account had to be paid up and settled that evening or he would have to exercise the warrant. I felt that I had no other recourse but to pay it and not be incarcerated in order to allow me time to resolve this issue by other means. Since I have never been arrested, I did n't want to take a chance. After I paid on the account, I was told I would receive settlement documents via email and also certified mail with supporting documents. When I received the email documents, I noticed there was a discrepancy with the account number recorded. I informed XXXX XXXX XXXX that this needed to researched and corrected. The following morning I attempted to make contact with the investigator on the case and was surprised to find out that the contact number was actually that of a fax machine belonging to the XXXX County Clerk 's office. I immediately realized that something was wrong and contacted the XXXX County Sheriff 's Office trying to find the investigator. I was told that there is no such investigator by that name employed or affiliated with them. I then contacted the criminal division and filed a formal complaint about someone impersonating a law enforcement officer and appeared to be affiliated with this debt collector.
Product: Debt collection

A 1099-c form was accepted by the IRS on XX/XX/2022. This debt has been forgiven by Capital One Financial Corporation. This is evident in the attached copies of the accepted Copy B and Copy C in this complaint. However, Capital One Financial Corporation has not updated my account balance to {$0.00} on my personal profile with their company. Also, my credit reports show that this account has not been closed and the balance has not been updated to {$0.00}.
Product: Debt collection

Dear CFPB, It is troubling to have to send this email after repeated calls to multiple offices, including the hospital, collections and the insurance company to correct this issue. On today, XX/XX/XXXX, I received an XXXX  report alert that Credit Control Corporation had added a delinquent account to my report. The bill has XXXX XXXX  XXXX XXXX as the creditor ( EDP # : XXXX ). 

This collections misinformation has caused my credit to plummet by over 100 points in the midst of me closing on a house on XX/XX/XXXX. I need this to be removed from my credit immediately, because XXXX previously told me in XX/XX/XXXX that they were going to write off the debt, because it wasnt my fault that the bill was sent to the insurance company after their agreed date. 

Please see the attached bills that I received from XXXX XXXX XXXX  XXXX XXXX for my son, XXXX XXXX XXXX, on XX/XX/XXXX XXXX date of service ). The first bill was from XXXX XXXX XXXX XXXX, XXXX in the amount of {$970.00} ( Account Number : XXXX ). XXXX XXXX XXXX XXXX informed me that they received the bill on XX/XX/XXXX, issued and mailed a check on XX/XX/XXXX and XXXX cashed the check in XX/XX/XXXX. 

We relocated at the end of XX/XX/XXXX. In XX/XX/XXXX or XX/XX/XXXX, another bill arrived from XXXX. This was for {$1100.00} XXXX Account # XXXX XXXX ). I called XXXX to inform them that the bill had already been paid. They told me this was a different bill from the hospital and the one that had been paid was for the provider who cared for my son. By name having worked closely with medical billing when XXXX had XXXX XXXX XXXX a few years ago, I was aware of the processes with the insurance company, because they informed me of the number of days a bill must be submitted within. XXXX asked for XXXX to send evidence that they had submitted this subsequent bill. 

I am very disappointed that it is the holidays and my over XXXX credit score is now diminished with this error beyond my control. It is unfathomable that this puts my home purchase for me and my family in jeopardy of not happening. I need this to be resolved as soon as possible. 


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

Hello, On XX/XX/XXXX XXXX XXXX XXXX XXXX made a hard inquiry to my credit report without my consents, and without my permission. Someone from LA, California used my SSN information applied for a XXXX XXXX credit card. I asked them to put fraud alert, and remove this hard inquiry record because it is hurting my credit score but the bank is not taking an action to fix the issue. And this case with XXXX XXXX happened in XX/XX/XXXX as well. Same issue, I did not apply for a credit card but still received a hard inquiry to my credit. The bank till to this day has not removed that record. Please help me remove those unauthorized hard inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit Bureau to do a THOROUGH investigation/verification of my credit report, they did... They stated that everything was accurate. I then did a thorough research myself and found multiple improper inaccuracies on the credit report even after they did the " thorough '' research. 

Here are the accounts etc listed below : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX, XXXX, and XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account ( s ) without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXX, XXXX XXXX, XXXX XXXX, US Dept of Ed and XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ). Also, the bankruptcy court doesn't disclose information with no third party, I also included a letter from them saying this.
Product: Checking or savings account

To whom it may concern, I have just learned that my fraud submission for Case # XXXX ( note a second case # XXXX filed on XX/XX/22 at the suggestion of XXXX ) has been rejected. This is my Appeal Letter. I am confounded by the banks denial of my claim. Please take another look at this open and shut fraud case and refund the {$980.00} that has been taken out of my account. 

On XX/XX/XXXX around XXXX ET, I was contacted on my cell phone by XXXX XXXX XXXX the number she used was XXXX XXXX ), who said she was with XXXX. She claimed that I had XXXX pending transactions coming from XXXX against my XXXX XXXX account. Note I have a joint account at XXXX XXXX XXXX which I share with my wife, XXXX XXXX. As an aside, I only recently signed up for XXXX on Citi and have used it only a couple of times it is not an application I am comfortable with yet and am surprised that the caller knew so much about me. 

The first thing I did was conference in my wife in to see if she had used XXXX for the {$1900.00} and {$900.00} ( the XXXX transaction amounts that XXXX XXXX mentioned ). When XXXX said she hadnt, I then went through the steps that XXXX XXXX suggested to block the transactions. 

I as told to open XXXX and put in these digits : XXXX ( which I should have recognized was a dollar amount but didnt at the time ) and put this detail in the notes field : XXXX. I was also provided with a XXXX # XXXX. 

When XXXX XXXX asked me to do this again with a second set of larger digits ( which would have been a larger dollar amount ), I asked to speak with her supervisor. She put me on with a person, XXXX, who said I was at risk and take this next step. He provided me with his phone number : XXXX XXXX. I told him I was uncomfortable with the situation and was going to call my primary bank, Citi, to investigate. 

At this I hung up and called Citi to report the fraud. 

On my call with XXXX today at Citi, I was told that my claim was denied. I am dumfounded by this decision. I am the unfortunate victim of a fraudulent transaction and I expect Citi to stand behind me. I would be glad to get a phone record from XXXX if helpful to your investigation. 

Please call me at XXXX XXXX XXXX if you have any questions for me about this submission. 

Thank you in advance for a thorough and proper investigation, XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

Consumer Financial Protection Bureau, I, the American consumer am alarmed at recent news reporting that Equifax provided inaccurate credit scores for potentially millions of consumers to numerous financial institutions relating to my credit applications. The report quotes one Equifax executive, who said, Initial analysis indicates that only a small number of them may have received a different credit decision, and the CEO saying, The impact is going to be quite small, not something thats meaningful to Equifax. Equifaxs latest egregious abuse of consumers and its leaderships teams efforts to downplay the harm is yet another example of harm caused by what is quickly becoming a recidivist bad actor, and I urge you to use the full extent of your authority to hold Equifax and its leadership accountable. This incident comes five years after Equifax announced one of the largest data breaches in the history of our country, exposing the personal information of more than XXXX XXXX individuals, including myself. These numbers are false, these errors have affected everybody including me. 

Furthermore, you the CFPB took another enforcement action against Equifax in 2017 for violating several consumer financial protection laws for deceiving consumers about the value of the credit scores they sold, deceiving consumers into enrolling in subscription programs, and engaging in illegal advertising practices. They are still violating several CFPB laws. 
Based on Equifaxs initial actions in response to this matter, I am deeply concerned that I, the harmed consumer will be promptly identified, notified, or even made whole? Moreover, Equifaxs repeated violations of law that have also resulted in I, the consumer harm warrant a more robust enforcement action, instead of the typical regulatory fine that amounts to the cost of doing business. I demand that Equifax deletes these accounts from my consumer credit report and never furnishes this information again. I repeat. Equifax, you do not have my permission nor my consent to furnish any of these accounts on my consumer credit report. 
Therefore, I intend to utilize all tools available to me to ensure I, the harmed consumer are promptly made whole from our broken consumer credit reporting system going forward. 
Equifax providing any credit scores to financial institutions should cease until they can demonstrate to your satisfaction that they have the necessary systems and controls to ensure each credit score they provide on millions of us consumers is verified to be accurate before distributing them to financial institutions. I appreciate your attention on this matter, and I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX 4 credit inquires for a car loan to apply was denied but i did not authorize the approval of the application to be applied for my mother decided to apply for both of us and used my information
Product: Debt collection

On several occasions I have reached out to Credence Resource Management in regards to a collection that doesn't belong to me ( in the amount of {$1100.00} ), but is showing on my credit report causing me significant damage to my credit score. The debt does NOT belong to me, and as a result I'm requesting verification/validation of the alleged debt from Credence Resource Management.
Product: Credit reporting or other personal consumer reports

Was summoned to XXXX XXXX on XX/XX/year> @ XXXX by XXXX XXXX and XXXX XXXX XXXX XXXX The company claimed that I owed an outstanding balance on an account that i had no knowledge of. XXXX requested proof of that the account belonged to me and XXXX XXXX and XXXX was unable/ unwilling to provide any proof. XXXX ruled in my favor and case was dismissed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts including : XXXX XXXX XXXX XXXX XXXX XXXX As well as any addresses listed should be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete the following accounts, addresses, and inquiries listed below : EQUIFAX : Addresses : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, XX/XX/XXXX - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX Accounts : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) : XXXX - XXXX XXXX XXXX : XXXX - XXXXXXXX XXXX XXXX XXXXXXXX : XXXX - XXXX XXXXXXXX : XXXX Inquiries : - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS 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 : {$3700.00} XXXX  XXXX XXXX Balance : {$3700.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX  XXXX XXXX XXXX : {$5300.00} XXXX XXXX XXXX : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent in my dispute and the credit company didn't provide the right documents showing that the accounts didn't belong to me in a reasonable time frame that the fair credit act determined to be the time frame for their response. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I tried to dispute the inaccurate information off my XXXX and Experian as soon as I submit the the dispute ticket its coming back automatically verified and the information is not accurate and its affecting my credit worthiness