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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} STATE OF MI OFFICE CHI XXXX Balance : {$4900.00} XXXX XXXX Balance XXXX {$1300.00} STATE OF MI OFFICE CHI XXXX Balance : {$5400.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare an appeal for investigation before I confer with my own counsel to obtain advice on how to handle an incorrect and unverifiable account that is keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

SYNCB/PPC XXXX
Product: Debt collection

I closed my account with XXXX and was told I owed them {$100.00} and advised them to send me documentation in the mail and I will pay them. XX/XX/2022 I received a letter from XXXX to call them to discussed the payment ( XXXX and XXXX ) both number was disconnected. I wrote them a reply letter to there address - XXXX XXXX XXXX XXXX XXXX PA. They sent me a letter requesting {$290.00} and THREATEN me that they will forward to COLLECTIONS if I don't pay or reply back with them. On XX/XX/XXXX I did reply back with them. On XX/XX/2022 they sent me another XXXX letter requesting {$310.00}
Product: Debt collection

The Company " LVNV FUNDING LLC '' has falsy accused me of having debt that I did not accrue. In addition they sent me a letter posing as a lawyer suing me for debt in the state of California.
Product: Credit reporting or other personal consumer reports

Experian is not removing the financial paywall on the membership account and abusing me as a credit user and customer. 

They are violating their terms and conditions, the FCRA and engaged in credit fraud and credit reporting fraud for a fictitious XXXX XXXX XXXX secured loan account that I did not create, that has been reported as Identity Fraud to the FTC, CFPB, FBI and all other authorities interested. 

It still has not been removed from my credit report and is damaging my score and I am unable to find housing because of this and looking to find my first home and dealing with this fraud.

I need help having this removed. I am contact with two law firms, but have yet to find legal representation that can fix this for some reason even though it is open fraud and multiple Constitutional violation against me.
Product: Credit card

This account was opened without my consent or knowledge. I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

According to Credit Law 15 U.S. Code 1679c - Disclosures, " The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. '' As of XX/XX/XXXX, I have a closed car loan from XXXX XXXX XXXX XXXX that is over 7 years old and has not been removed from my credit reports. The account was opened XX/XX/XXXX and has been removed from my XXXX report ONLY but still remains on my TransUnion and XXXX credit reports. The account was last updated XX/XX/XXXX. 

XXXX ( XXXX. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, XXXX. A, title XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX. ) AND the Fair Credit Reporting act, I invoke my right to demand that this closed account is DELETED from my credit reports with the XXXX major bureaus ( XXXX, TransUnion, and XXXX ) as the 7 year mark has passed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday, XX/XX/2021, I met with Mr. XXXX at XXXX XXXX XXXX in XXXX, IL to test drive a vehicle. When I arrived Mr. XXXX said that I needed to fill out a form on his computer and supply them with a copy of my driver 's license in order to test drive the car. I asked him specifically, not to pull my credit report until I had test-driven the vehicle because I had pre-planned to drive the vehicle to an XXXX XXXX  Store to get a free diagnostic on the car since I did not have a mechanic with me. He said he would not run my credit report until I decided I wanted the car, but unfortunately he did a hard inquiry on my credit report anyway without my consent.

The documents attached are ( 1 ) a snapshot of the hard inquiry on my credit report and ( 2 ) the diagnostic report from the XXXX XXXX XXXX with the vehicle 's VIN # as proof that I test drove the car from their facility.
Product: Checking or savings account

Insuficient funds, overdraft fees, return checks 
 Too many unknown charges fees.
Product: Mortgage

I was in a Chapter XXXX Bankruptcy, in XXXX of 2016, I agreed to an consent order to repay arrears owed to Nationstar. 
That ( 1 ) to cure the arrearage, Debtor ( s ) will remit {$2000.00} Instanter, no later than XXXX XXXX, 2016 ( 2 ) the remaining balance of {$700.00} will be cured over nine ( 9 ) months in the amount of {$78.00} per month, due on the XXXX day of each month beginning with the payment due for XXXX XXXX, 2016. 
My bankruptcy was discharged as of XXXX/XXXX/16. I received correspondence as as of XXXX XXXX, 2016 that no payments were applied to my account an now they want to proceed with foreclosure proceedings as of XXXX. I have copies of all payments that were cashed by Nationstar.
Product: Credit reporting or other personal consumer reports

Failure to ensure maximum possible accuracy ( 15 u.s.c. 1681e ( b ), improper handling of dispute notification from furnisher ( 15 u s.c. 1681s-2 ), failure to conduct a proper reinvestigation ( 15u.s.c. 1681i ( a ) ( I ) ( a ) ), failure to remove obsolete information ( 15 u s.c. 1681c ( c ) ). I have repeatedly disputed this matters and still no results. Action needed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) I am sending this complaint to request that the account XXXXXXXX XXXX XXXXXXXX which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. It is not authorized that CREDIT BUREAUS fail to validate this reporting account as unverified information without providing any proof within the period allowed by law.
Product: Credit reporting or other personal consumer reports

Victim of identity theft. FTC report filed and sent to Chexsystems with dispute. Over XXXX inquiries on Chexsystems in the last XXXX  years. I have applied for XXXX. Chexsystems refuses to remove these inquires even with the FTC report. Im not sure what makes them think they are above the consumer laws regarding this which requires them to block this info within 4 business days. Ive opened multiple disputes and been on the phone several times and they keep giving me generic pregenerated responses not applicable to my situation. These need to be removed immediately.
Product: Checking or savings account

I recently signed up for a TJMaxx rewards card. Synchrony Bank is the issuer. I finally got my card and paid my bill of {$17.00} on XX/XX/2023. However, there is a withdrawal on my XXXXXXXX XXXX Checking Account for {$250.00} that Synchrony Bank completed on XX/XX/2023. This was not announced, was completely unauthorised, and they have been impossible to properly contact because they send me back to TJMaxx rewards when the issue is with the bank, not TJMax. I am currently disputing the charge with XXXX XXXX but am not okay with the outright theft that Synchrony Bank committed. It is nowhere in their terms and conditions and they quite literally just stole XXXX XXXX XXXX XXXX XXXX from me. There is no way they can explain it in which this was an accident.
Product: Credit card

CHASE XXXX XXXX COMPANY NEVER SENT ME A NEW CARD AND I SEE A MULTIPLE FRAUDULENT CHARGES IN THE ACCOUNT AND THE ACCOUNT HAS BEEN CLOSED ALMOST A YEAR AGO AND THEY SHOWED {$550.00} AS A VALID BALANCE IN THIS ACCOUNT AND THEY USE MY PERSONAL INFORMATION TO REPORT THE NEGATIVE LATE IN THE ACCOUNT TO CREDIT BUREAU AGENCIES, I CONTACTED THEM MULTIPLE TIMES AND THEY DIDI NOT EVEN RESPOND TO MY INQUIRES, NEED YOUR HELP TO REMOVE THIS DEBT OF MY ACCOUNT COMPLETELY BECAUSE I`M NOT RESPONSIBLE FOR ANY OF IT.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021 I received a letter from Revenue Cycle Associates, claiming to represent XXXX XXXX XXXX XXXX XXXX and demanding I pay a " bill '' and sum on an alleged debt in the amount of {$1700.00}. I have never had any business dealings with Revenue Cycle Associates and by contacting me and demanding a payment on a debt that I allegedly owe, they have violated many Federal Consumer Laws pursuant to the FDCPA as well as 12 CFR which are the codes of regulations they are governed by. I am the consumer pursuant 15 USC 1692 ( a ) 3, and I do NOT owe any debt. By mailing me and alleging that I owe a debt Revenue Cycle Associates has violated 15 USC 1692c ( a ) 1. I believe I am also the victim of identity theft because Revenue Cycle Associates has my mailing address, and social security number which they did not receive directly from me... my personal information and living location has now been compromised pursuant 12 CFR 1022.3. I have never provided my social security number or card for any matter to this company. This company is alleging that I owe them a medical debt, which I do not... .and this signifies to me that they have or think they have possession of my medical records and history, which is a direct violation of 12 CFR 1022.32 and a violation of. This company also threatened me with a declaration of obtaining a judgement and " verification '' which is a violation of 15 USC 1692d, and should they attempt to " verify '' any of my personal information that they have stolen or illegally obtained then I will file an Identity Theft Report with the FTC, Department Of Commerce , Department of Homeland Security, Department of Justice, Federal Maritime Commission, Social Security Administration, as well as i will file a 3949A form with the IRS against Revenue Cycle Associates.
Product: Credit reporting or other personal consumer reports

EXPERIAN IS REPORTING XXXX XXXX  ACCOUNT ENING XXXX ON MY CREDIT REPORT THIS ACCOUNT AND BALANCE DO NOT BELONG TO ME REMOVAL LETTER ATTACHED FROM XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear XXXX XXXX, I hope this message finds you in good health and high spirits. I am writing to you as a previously valued customer of XXXX XXXX XXXX, seeking a fair resolution to a critical matter that has been ongoing despite my previous attempts to address it. 

As a loyal patron of your company for 8 months, I have always held your services in high regard. Unfortunately, I find myself in a situation where my credit report continues to inaccurately reflect my financial history with your company. 

I have previously made attempts to rectify these inaccuracies through a goodwill request, but regrettably, I was met with a denial. I understand that such requests are discretionary, and I respect your company 's policies. However, I believe that a fair resolution is crucial in this situation. 

The discrepancies in my credit report pertain to late payments and a charge off that was paid in full in XXXX. Despite my diligent efforts to meet my financial obligations, these inaccuracies persist, and they are having a detrimental impact on my creditworthiness. 

I kindly request that XXXX XXXX XXXX reevaluate my situation and reconsider the goodwill request. Furthermore, I ask that a thorough investigation be conducted to rectify the inaccurate reporting of both the late payments and the charge off as it reflects XX/XX/XXXX at minimum. It is imperative that my credit report accurately reflects my financial history. 

I trust that XXXX XXXX XXXX values fairness and transparency, and I am confident that a fair resolution can be reached. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding and cooperation.
Product: Checking or savings account

I previously filed a complaint, XXXX. The problem stemmed from a vending machine overcharging {$2.00}. TD bank, for security reasons deactivated my debit card, even though this was a technological, not a fraud issue. I was told the only way I could receive a replacement debit card the same day, is if I had a cellphone, despite the fact I presented a United States passport, and New York State drivers license. I was lied to by the bank manager XXXX XXXX and his underling XXXX I could access funds at the teller window. It took a half hour to get my money. Finally, I was contacted by the Regional Market Manager for the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX after contacting various state and federal government agencies. She used her authority to get me a debit card the same day. However, the problem still remains. The gist of the problem is TD banks dictatorial discriminatory policy, which denies me same day access to a replacement debit card, unless I use a cellphone. Until this policy is changed the problem remains. I should be able to receive a replacement debit card the same day, once I show valid identification, and what can be more valid than a United States passport and/or a New York State drivers license?
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX Balance : {$390.00} ; XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX XXXX XXXXXXXX Balance : {$710.00}.
Product: Credit reporting or other personal consumer reports

This charge-off has exceeded 180 days, and the account has been finalized and closed. Under federal guidelines, creditors must either write off or resolve such accounts after 180 days of delinquency. As the account is no longer active and should not reflect as open, I am requesting a review and removal of this charge-off from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX charged three monthly unauthorized charges of {$9.00} from XX/XX/2022 through XX/XX/2022 to my XXXX XXXX account even though I only authorized payment either through my Bank XXXX XXXX checking account ( primary ) or my XXXX XXXX XXXX ( secondary ) for online purchases through XXXX ( which was ultimately for an XXXX membership ). This is reflected in XXXX 's own settings, which only note my Bank XXXX XXXX checking account and XXXX XXXX account as the authorized forms of payment for XXXX charges. This is further reflected in each of the transaction details for the XXXX, XXXX, and XX/XX/2022 charges, which show the funding details as my XXXX  XXXX XXXX checking account or XXXX XXXX account as backup options. Each says " Paid by Bank Account, '' not XXXX XXXX. So either XXXX incorrectly charged my XXXX XXXX Account despite stating in their own records that they charged my Bank Account, or they charged me twice through my XXXX  XXXX XXXX Account ( or XXXX XXXX ) and XXXX XXXX. To be clear, I never authorized XXXX payments to be through my XXXX XXXX Account. This is why I was not aware of the three charges pending on the account, and they went past due. Because they were never authorized. I contacted XXXX about this by submitting online disputes and calling them multiple times. Some customer service representatives even acknowledged the mistake, but they insisted I should just wait the 7 years for them to drop from my credit report. I then submitted two credit report disputes that included the payment settings showing I never authorized charged to XXXX XXXX to each of the three credit bureaus, and my disputes were rejected both times. Now, I submit this dispute to you given that XXXX and the three credit reporting agencies never appropriately addressed these fraudulent charges to my XXXX XXXX Account. There never should have been a balance on the account for it to go past due, unpaid, and then closed by XXXX XXXX without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Submitted to the CFPB on XX/XX/XXXX XXXX Submitted to the CFPB on XX/XX/XXXX XXXX Submitted to the CFPB on XX/XX/XXXX EXPERAIN has failed to permanent remove accounts listed below. 

EXPERAIN has failed to remove inaccurate personal information from credit report.

EXPERAIN has failed to remove unauthorized inquires from my credit report. 

EXPERAIN HAS NOT PERMANENTLY DELETED AND REMOVED INACCURATE ACCOUNTS AND PERSONAL INFORMATION. 

EXPERAIN CONTINUES TO REMOVE DATA, PERSONAL INFORMATION AND ACCOUNTS AND THEN ENTER THEM BACK TO AN INCORRECT CREDIT REPORT. 

This complaint is being filed because Experian has ignored my request to provide me with the documents that their company has on file and used to verify or certify the accounts I have disputed. The alleged accounts in question have been formally disputed via certified mail and proof of service executed by registered process server. They have been provided with documentation that the alleged accounts are unverified and respondents of alleged accounts are in default for failing to respond or verify alleged accounts. Under Section 611 ( 5 ) ( A ) of the FCRA - Experian is required to " promptly delete all information which can not be verified. '' I have disputed the alleged accounts and provided all the necessary documentation i.e. default notices, proofs of service to alleged account respondents, U.S.P.S. Certified Mail receipts and U.S.P.S Return Receipts which contradicts Experians claim of Certification and/or " Verification ''. 

PLEASE SEE EXPERAIN REPORTS ATTACHED WHERE ACCOUNTS HAVE BEEN DELETED/REMOVED THEM " VERIFIED '' AT A LATER DATE. 

Please resolve this matter as soon as possible. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a dispute against XXXX, XXXX XXXX Equifax consumer credit reporting agency, for their violation of my right to privacy and their unlawful furnishing of data onto my credit report without my written consent on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i credit reporting agencies like XXXX, XXXX & Equifax are required to obtain written consent from consumers before furnishing their data to third parties. However, I have recently discovered that XXXX, XXXX XXXX Equifax has furnished data onto my credit report without my written consent, which is a direct violation of my rights under the FCRA. 

Furthermore XXXX, XXXX XXXX Equifax has not been transparent about the data that they have furnished onto my credit report. They have failed to provide me with a clear and complete disclosure of the nature and scope of the information that they have collected and disseminated about me. 

As a result of XXXX, XXXX XXXX Equifax actions, my privacy has been violated and my credit report has been negatively impacted. I have suffered financial harm as a result of XXXX, XXXX XXXX Equifax unlawful furnishing of data, which has caused me to be denied credit or to receive credit on unfavorable terms. 

I am requesting that the Consumer Financial Protection Bureau investigate XXXX, XXXX XXXX Equifax for its violations of the FCRA and take appropriate action to ensure that my privacy is protected and that they cease/delete all unlawful furnishing of data onto my credit report of which I mentioned above without my written consent Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the credit bureaus due to their ongoing failure to address my dispute letters concerning incorrect information on my credit report. Despite multiple attempts to resolve this matter through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after numerous submissions, the credit bureaus have failed to provide any response, confirmation of an investigation, or correction of the disputed information. This lack of action is a clear violation of the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.