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

I am filing this FTC Identity Theft Affidavit to report 10 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of 4 personal credit card accounts 4 auto loan accounts opened and a 2 personal loan account opened. These accounts have resulted in several fraudulent nard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease oursuant to my non 's within the rons and ruortaws.. 
CFPB Complaint against Credit Reporting Agencies Text ( separate complaint filed w/all XXXX bureaus : XXXX, TransUnion, and XXXX ) XXXX What happened Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of XXXX, 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 of a personal credit card accounts opened at XXXX XXXX XXXX auto loan accounts opened at XXXX XXXX XXXX and XXXX personal loans account opened at XXXX XXXX and XXXX XXXX XXXX that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the ioned fraudulent 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 # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

My Venmo account has frozen and they wont release my funds!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX. Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these companies has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy 15USC 1681 section 602A states I have the right to privacy 15 USC 1681 section 604A section 2,, it also states a consumer.reporting agency can not furnish an account without my written consent.
Product: Debt collection

Tempo lease services open up a account to someone that gave them my social security number and they purchase a item in my name with out my authorization also they was using my bank account information to make payments ... Im so upset because I never applied for credit with tempo and they are making me responsible for this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accuracy of the late payments with XXXX XXXX, with the results being the same. I called XXXX to provide documents that I received from XXXX. I was not able to upload the documents. I have spent hours trying to get to someone to assist me. The process is not designed to help consumers. Because of the improper reporting of this account I have been denied my mortgage loan which ha cost me money, stress and homelessness.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was information on these credit bureaus that related to me. A lot of this information can't be validated because there is no original creditor to validate the information and since I am the only alleged consumer of these accounts then I am the only one that can validate the information on these accounts. Then there's the issue of these so-called investigations that all come back as " accurate '' but pursuant to 15 U.S.C. 1681a ( e ) who did this credit bureaus interview to get these accurate facts? So if I am the only original consumer then I am the only person that can verify if any of the information can be factual information. And pursuant to 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

And there are a lot of discrepancies in their reporting. 
I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. 
Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I have never given any credit bureau or consumer reporting agency my written permission to report to them. 
I sent out letters back in XXXX to Equifax, XXXX, and XXXX requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I noticed accounts on my credit report that are the result of fraud and needs to be taken off. I reached out to the credit bureaus to let them know and they failed to investigate this and they failed to make any corrections to my report. I need this corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

in acorddance with fair credit act XXXX XXXX XXXX has violated my rights 15usc 1681section 602A states i have the right to privacy 15 usc section 604A it also states a consumer can not furnish an account without my written permission or instructions XXXX XXXX reference XXXX XXXX XXXX XXXX  XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX
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 XXXX credit bureaus must validate these ITEMS in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following ITEMS need to investigate and corrected for erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the listed accounts below has violated my federally protected consumers right to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXX section XXXX A states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 Usc 1681c ( a ) ( 5 ) section states, no consumer reporting agency may take 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 USC 1681s-2 ( A ) ( ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency it the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I contacted the Pennsylvania Fin Agency ( PHFA ) to apply for a forbearance as it relates to the CARES Act during the COVID Pandemic. At first I was given the runaround and was told that this mortgage company wasn't issuing forbearances. I called back the next day, and I was offered a forbearance ; when I inquired about extending the forbearance, I was offered a HUD loan and was told that was my only option. I was pretty frustrated with the option. I could not understand why I was offered a loan when I was already looking for some assistance with my 1st loan. Because the PHFA didn't offer any assistance at the time beyond another loan during my hardship with the pandemic, they continuously report my loan in the negative to the 3 credit bureaus while I struggled to pay my mortgage on time. Under the CARES Act, they were supposed to provide some assistance so my credit could have been protected from negative reporting, and that didn't happen with PFHA. They continued to report me in the negative from XX/XX/XXXX-XX/XX/XXXX. They never offered me another forbearance until last week. 

My other mortgage company has been very accommodating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter to courts saying I was unaware that they reported to the credit bureaus. They sent a letter saying they DO NOT communicate with them. I sent the letter from court along with a follow up letter to credit bureaus asking to verify who reported information about bankruptcy, and they havent sent Valid response to whom reported it to them. If it cant be Verified it has to be deleted. I requested twice that it be deleted and they reponded with a dispute letter saying it will remain on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, attorney, collection agency add a derogatory mark on my credit report per XXXX  XXXX. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency and Credit reporting agency Name are violating my rights as a consumer and I'm requesting legal action to remove this account immediately
Product: Bank account or service

I was never given the option to opt out of overdraft fees. I know now that I had that option but I was automatically open into overdraft fees. I have lost a lot of money this way and I would rather have my card declined than charged. In some months I would get charged with these fees more than 3 times as a XXXX. {$35.00} is a lot!
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
Product: Debt collection

I REQUESTED INFORMATION TO ZION DEBT HOLDING, I HAVE ASKED FOR DEBT VALIDATION LETTER ( AMOUNT OF THE DEBT, ORIGINAL CONTRACT SIGNED, LAST BILLING PAYMENY ) I HAVE NOT HEARDD ANY THING FROM THEM.
Product: Credit reporting or other personal consumer reports

I suspect that my information is being mishandled and inaccurately reported, prompting me to file a complaint with NAVY FEDERAL CR UNION. Upon reviewing my credit report dated XX/XX/2023, I discovered a derogatory entry that I was previously unaware of, containing inaccurate details such as payment history, status, opened date, and date of last activity. In accordance with 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I wish to assert my right to privacy. It is emphasized that a consumer reporting agency is not permitted to disclose an account without my explicit written instructions. I have attached the FTC report with report number XXXX to support this complaint.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX I filed a dispute of an inaccurate Bankruptcy on my Credit Report with Experian and requested it be DELETED. Experian replied that the item was verified thru a 3rd party vendor XXXX XXXX which gets there information form the Bankruptcy Courts as accurate I then in XX/XX/year> contacted the original furnisher the Bankruptcy XXXX and they replied and firmly stated that they do not independently verify the accuracy of information filed in cases in our Court with any XXXXredit Reporting Agency nor 3rd Party Vendor I then asked for a reinvestigation on XXXX of 2024 Experian replied that the item was verified thru a 3rd party XXXX XXXX which gathers there information form the Courts as accurate Which we know is not true Experian has failed to fulfill its Legal obligation under the Fair Credit Reporting ACT ( FCRA ) TO CONDUCT reasonable reinvestigation of disputed information on my Credit Report leaving inaccurate or unverified BANKRUPTCY account unresolved The CONSUMER FINANICAL PROTECTION BUREAU ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes these failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my CREDIT STANDING I AM REQUESTING immediate corrective action to remove the disputed account as Experian inaction violates Federal Law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

There are some serious issues with this doctor and her billing practices. My son was born with a XXXX XXXX and the hospital called her in to diagnose the XXXX they heard from his XXXX XXXX. The day that I got home from the hospital, her office calls me asking for my billing information. I declined giving this over the phone and instructed them to deal with the hospital to get this information. Why would you call a patient with a XXXX  XXXX  old baby who was just diagnosed the day before with a XXXX   XXXX XXXX XXXX? Months go by, the hospital has billed the insurance over $ 20-40K. So Im thinking all of this has been handled. Wrong. In the summer  of XX/XX/XXXX, letters begin coming from XXXX XXXX XXXX Office with a {$1500.00} bill. I call them to advise that we had insurance and gave all the information to them for the bill to be taken care of. The person who I spoke with advised that it would probably have to be written off, because they can not bill the insurance after 90 days. The whole time, they are thinking that we didnt have insurance. The office had already turned the account over to collections at that time. I called the collections company numerous times to be removed from the calls and mailers. Even did a two-way call with the insurance company and the collections company to no avail. Now, I have to go through the hassle, after my son had XXXX XXXX XXXX in XX/XX/XXXX, and a year later XXXX XXXX XXXX Office has turned this over to a new collections agency. Needless to say, Ill be writing to Virginias attorney general, the XXXX XXXX Virginia Hospital and the CFPB to advise them of these questionable business practices. A new collections agency called me in XX/XX/XXXXsupervisor who I spoke with was XXXX who was very rude. Three-way call with the XXXX XXXX XXXX XXXX who advised that XXXX Office never billed them. Additionally, XXXX lied and gave the office address to XXXX XXXX, instead of XXXX, to make it seem that we were out of network. I think their attempt to for us to pay this bill, which XXXX XXXX XXXX XXXX has recorded as {$1500.00} on the first call we had with them in XX/XX/XXXX, and now the bill has increased to over {$2000.00}.
Product: Debt collection

I HAVE NO IDEA OF WHO THIS COMPANY NAME AMERICOLLECT IS AND I NEVER HAD A WRITTEN R VERBAL RELATIONSHIP WITH THIS COMPANY AND THIS COMPANY AMERICOLLECT HAS REFUSED TO PROVIDE PROOF THAT I OCCURRED THIS FRAUDULENT DEBT WITH MY SIGNATURE, THEREFORE I COMPLETED A XXXX XXXX XXXX XXXXXXXX XXXX XXXX AND FTC COMPLAINT AND THEY STILL REFUSE TO REMOVE FROM MY CREDIT REPORT WHICH IS PREVENTING ME TO PURCHASE A NEW HOME. AMERICOLLECT DOES NOT BELONG TO ME AND I DO NOT OWE {$870.00} DOLLARS TO THIS FRAUDULENT COMPANY- PLEASE HELP SO I CAN PURCHASE A NEW HOME FOR MY FAMILY.
Product: Debt collection

I received a letter from a collection agency for something that I didn't order. Status : Unanswered, I tried to call and was put on hold several times and no one ever answered. Date Received this collection notice : XX/XX/XXXX Reference # XXXX I received a notice from National Medical Administrators ( a collection agency ) for an amount I never charged nor did I buy anything from this company. I received a letter from this collection agency in the mail today XX/XX/XXXX asking for {$110.00} for XXXX oil that I never purchased. I had filled out a survey that said I would receive a prize for filling out the survey. After filling out the survey it took me to a web page where I could choose my prize and all I had to do was pay the shipping which I did. I then received the oil in the mail shortly after that. There was no indication that I owed anyone anything. After that, I had to change my debit card because someone hacked into my account. I assumed it was from this scam and I was very upset that I had even answered their survey, but grateful my bank caught it. I have not received a bill, until I received a letter from this collection agency saying that they have been retained by XXXX XXXX XXXX  for an obligation that I am responsible for this is the first I have heard about this. I never ordered anything from this company and never received a bill. I want this matter resolved so that I do not owe anyone any money, since I never ordered anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to the companies directly in XXXX and in XXXX, but no resolution has been made. I've requested for these Hard Inquiries be removed.
Product: Money transfer, virtual currency, or money service

So my money from school was deposited into my cash app. My phone was stolen and the money was transferred without my approval and now I am being denied access to those funds and this is my first time doing a cash payment dispute on this account and have been a member since 2023
Product: Credit reporting or other personal consumer reports

I have been trying to get my Equifax credit report corrected since XXXX. I have written and digital correspondence from Equifax and CFPB on these issues. My personal info has been finnialy updated but I have no information on my credit report. The other 2 bureaus have all my information correct for the past 12 years. I am not sure where else to turn as XXXX and Equifax seem to care very little about the stress and monetary loss this has caused me over the last decade.. Please Help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act act XXXX XXXXt # XXXX violated my rights 15 usc 1681 section 602 a. states I have the right to privacy. 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish a account without my written permission.