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

I sent out multiple letters to all 3 credit reporting companies and got ignored and told I hired a 3rd party company which I did not. This act is unlawful and blatantly out of compliance. To tell me I am not who I am requesting information I have already sent off in a CLEAR VIOLATION OF MY CONSUMER RIGHTS. This took well over 35-45 days in order to get a letter telling me that they applaud my efforts, need more documents to verify my identity, or just be flat-out ignored. I will be reaching out consumer rights protection group to see the best way to hold these 3 companies accountable. Here are the accounts that I originally put into question. Personal Information, Negative accounts & also Inquiries that were not made by me! 


1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX 3. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. Pursuant to 15 USC 1681 ( a ) ( 1 ) - This GRAVE error has impacted my belief in your companies integrity and ability to perform the proper procedures and protocol. As a result I no longer trust the information you report on MY BEHALF. I Immediately want this XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

12. Pursuant to 15 USC 1681 ( a ) ( 1 ) - This GRAVE error has impacted my belief in your companies integrity and ability to perform the proper procedures and protocol. As a result I no longer trust the information you report on MY BEHALF. I Immediately want this XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRAUDULENT ACCOUNT IN MY NAME, THEY STOPPED MAKING PAYMENTS ON THIS ACCOUNT WHEN I CONTACTED THE POLICE DEPARTMENT. 

COMENITY BANK/XXXX OPENED XX/XX/17 XXXX XXXX
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report.

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

XXXX XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$3700.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$5000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$7900.00}, XXXX XXXX Date Opened XXXX XX/XX/2019 Balance : {$7600.00}, and XXXX XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}. 

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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I am writing in response to a recent communication regarding an alleged debt that you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide full validation of this debt before any further action is taken. I am also requesting that you comply with all applicable consumer protection laws.

Specifically, please provide the following information : 1. **Validation of the Debt** : Provide verification of the original creditor, an itemized statement showing the full amount of the debt, including any interest, fees, or other charges. As required by the FDCPA, this must include a copy of any signed agreement that obligates me to the debt, including the original creditors name and contact details.

2. **Proof of Your Authority to Collect** : I request that you supply documentation proving that you have been legally assigned or sold this debt. Without such documentation, any attempts to collect would be in violation of consumer protection laws.

3. **Charge-off Status** : If this debt was charged off by the original creditor and is now being handled by your agency as a third-party collection entity, I request documentation of the charge-off date. It is my understanding that charged-off debts are treated differently under 1099 tax laws, and any improper reporting could result in significant legal issues, both for tax reporting and compliance with the IRS rules regarding forgiven debts.

Under IRS regulations, if a debt has been charged off and the creditor has forgiven or written off the amount, you may be required to issue a 1099-C form. Please confirm whether this debt has been reported as income under IRS code 6050P, which would eliminate your ability to collect on the charged-off amount. Please provide clarification and a copy of any 1099-C form sent to the IRS.

4. **Cessation of Communication** : Pursuant to my rights under the FDCPA, I am requesting that all collection activities cease until this debt is properly validated. Should you fail to provide adequate proof of the validity of this debt within 30 days of receiving this letter, I expect that this matter will be closed and any negative information will be removed from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please respond to this request in writing within 30 days and send all correspondence to my mailing address listed above. 

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

My identity was stolen and someone tried to use my information to open accounts in my name without my permission these inquires ALL NEED TO BE REMOVED as it is a burden on my life and finances.
Product: Credit reporting or other personal consumer reports

i have addresses on my credit report that i never lived such as XXXX XXXX XXXX XXXX, GA XXXX. I would like this address removed and also the jobs listed i on my credit report i never worked at any of those jobs
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 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. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actio

ns 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 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, Equifax 's actions

may also contravene the Consumer Financial Protection A ct ( 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX XXXX XXXX XXXX and XXXX
Product: Money transfer, virtual currency, or money service

I was victim of an online scam. A guy I met online and was talking to for weeks told me he was a coin base trader. He convinced me to open a XXXX XXXX  account and transfer XXXX and he would help me. He sent me a fake link where I input personal financial information. He then told me to send my XXXX and buy XXXX and send to XXXX XXXX The XXXX link he sent me was fake and the money was gone. I confronted him but he blocked me, I found all the pictures he ever sent me were someone elses.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I notice the following collections placed on my credit reports under various names A collection was added to your file Between XX/XX/year> and XX/XX/year>, a new account in collections was added to your report. The collection agency is XXXX XXXX XXXX and XXXX XXXX XXXX. 
i speak to a representative from the company and request they remove the collections on a call received from XXXX they hangup. i do no business with this company. this is fraud. 
i want them removed at once.
Product: Credit reporting or other personal consumer reports

I am reaching out as a follow-up to my previous complaint dated XX/XX/XXXX. According to FCRA Section 605B, Credit Reporting Agencies are mandated to remove any items reported under an identity theft case, as per reference number XXXX. Enclosed, you will find the necessary documents to facilitate the removal of the erroneous personal information and unauthorized inquiries that have been incorrectly added to my credit report. The unauthorized items are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. As specified in FCRA Section 605B ( a ), Credit Reporting Agencies are required to delete any information from a consumer 's file identified as resulting from identity theft within four business days of receiving the request.
Product: Credit reporting

Re : Letter to Remove Inaccurate Credit Information : Equifax Information Services LLC has ignored my request and failed to investigate and to provide me with the results of the investigation. 
Requested an investigation on XXXX/XXXX/2016 To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : 1. The information is incorrect for the following account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The information is incorrect for the following account. This account has been paid-in-full XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The information is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. The information is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Mortgage

Select Portfolio Servicing , Inc., does send my monthly mortgage statements in a timely manner. The statements often do not arrive at all.
Product: Debt collection

ERC called me about a debt I owe for {$170.00}. I disputed and requested an itemized statement. They sent me a statement which shows I owed {$52.00} to XXXX XXXX. I called ERC and spoke to XXXX XXXX on XXXX @ XXXX and he was n't able to justify the billing amounts. He said let me get manager on the line and I spoke with XXXX XXXX @ XXXX. I asked him again why ERC is billing me for {$170.00} when the " itemized statement '' is showing only {$52.00} balance from XXXX. XXXX XXXX replied he does n't see what was sent to me and they do n't charge any interest or collection fees. I told them I wont pay {$170.00} if they can not justify the correct amount. The facts are not matching up so I informed them I will report this matter to the bureaus.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update this account in my credit profile which appears 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. 
XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

On XX/XX/22 I noticed that there were fraudulent purchases on my credit card statement. 

On that day, I called my credit card company, TD Bank Card Services, and notified them of all of the fraudulent purchases. There were 4 fraudulent purchases, totaling {$850.00}. 

The 4 fraudulent purchases were : 1. XX/XX/22 - XXXX XXXX XXXX- {$440.00} 2. XX/XX/22 - XXXXXXXX XXXX XXXX XXXX {$130.00} 3. XX/XX/22 - XXXX XXXX - {$110.00} 4. XX/XX/22 - XXXX XXXXXXXX XXXX XXXXXXXX- {$150.00} The credit card company confirmed on the phone that there would be an investigation that could take up to 90 days to resolve and that they would send a letter via mail, which we never received. 

The credit card company did not issue a provisional credit, so the debt has accrued monthly interest in the amounts of : 1. {$12.00} ( XXXX ) XXXX. {$14.00} ( XXXX ) The customer service has not provided provisional credit, or even notification by mail. When contacted via phone, their customer service sends you in a loop. Calling " TD Credit Card Services '' the representative will simply transfer the call to the " Fraud Dept., '' who claim that they can not provide any service or resolution but they will transfer you back to " TD Credit Card Services. '' This is Kafka-esque. 

The phone numbers we have called : 1. XXXX ( This number is now disconnected ) 2. XXXX press 5 ( General Customer Service ) 3. XXXX ( Fraud Dept ) We were told after calling monthly to " wait 90 days for resolution. '' It's been 94 days, over 10 hours on the phone with their customer service, and we still have the fraudulent debt and accrued interest. 

We asked simply for provisional credit ( from multiple customer service representatives ) and they would simply offer to transfer our call again ( in a loop ).
Product: Debt collection

I had insurance with XXXX in 2021 but i canceled and switched over to XXXX and told XXXX that but instead they threatened if i switched then i would have to pay XXXX and i told them no Im not staying so 2 months come by and they send a letter saying i owe XXXX for insurance, but i had already paid for the insurance by the time i switched. So i ignored it and told my father which told me to ignore but they kept sending mail through and calls to get the money or i would get my credit score dropped. After a while I contact them and tell them I don't have to pay for something that I don't owe or didn't get the service from them.
Product: Checking or savings account

The account is a protective payee account for my son, who receives social security dependent benefits. The account was closed on XX/XX/2022 WITHOUT NOTICE, or ANY COMMUNICATION. I had been in my online banking on XX/XX/XXXX, as I was making transactions in other accounts. There was NO NOTICE on XX/XX/XXXX to indicate there was any problem, nor at ANY TIME PRIOR to the account being closed. 

I was notified by email today, XX/XX/2022 that the account had been closed. I called to remedy. I was told that once an account is closed it can not be reopened. This is a lie. I have relatives that work in banking. I was told by the banker that I was " welcome to APPLY to open another '' such account, which only adds insult to injury. this is very wrong on a variety of levels. 

I am expecting a back pay from Social Security for my son. I have no idea when the deposit will come, and could be as soon as Tuesday, XX/XX/2022. This specific account is the one Social Security uses for my son 's dependent benefits. With the account closed, the payment will be returned to Social Security, and it will be a whole other huge hassle to receive the benefit for my son. 

We reside on a the reservation of a federally recognized tribe, and are all enrolled members of federally recognized XXXX This bank has a history of discriminatory banking practices against XXXX XXXX as evidenced by several lawsuits, including the XXXX XXXXXXXX XXXX  where this bank was held accountable for discriminatory banking practices. These practices continue, including this incident. If I have to, I will file separate complaints for each and every one of them. This particular incident will cause immediate and irreparable harm.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and I making a complaint on these unauthorized dispute I filled but PayPal claim it wasnt fraudulent unauthorized unknow PayPal access but it was I want yall to review all 5 of them or reinvestigated them again or make a new dispute for all 5 of them or make a new investigation for all of them or reopen all the disputes or give me a PayPal credits for all the disputes. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

NAME- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing you FOR THE 2ND TIME to dispute Fraudulently Inquires that where applied for in my name. I had no knowledge of these accounts, nor did I APPLY FOR ANY ACCOUNTS. Nor did I have a account with - XXXX XXXX XXXX {$96.00}, on XX/XX/XXXX. 
I am requesting A copy with my signature in agreement with any and all terms and charges related to the inquires accounts reflecting on my credit report. IF YOU CAN NOT produce THESE DOCUMENTS Please DELETE these Inquires and accounts- XXXX XXXX XXXX {$96.00}, on XX/XX/XXXX, and also XXXX XXXX - XXXX XXXX. I did not authorize the inquires or did I apply for their credit products. 

I am a real person and this is not the same dispute. No services were used to help me with my dispute. Common sense is common sense and I have sense enough to do things on my own. 

My current address is XXXX XXXX XXXX, XXXX NC XXXX. Please also update this on my credit report. 
Please remove XXXX from my credit report. 

Also delete this address because its related to fraudulent account and I have never stayed there- XXXX XXXX XXXX XXXX XXXX NC XXXX. 

PLEASE DO NOT ADD ANY ALERTS ( DO NOT ) TO MY CREDIT REPORTS, I DO NOT NEED A FRAUD ALERT!! 


Also delete this address because its related to fraudulent account and I have never stayed there- XXXX XXXX XXXX XXXX XXXX NC XXXX. 

PLEASE DO NOT ADD ANY ALERTS ( DO NOT ) TO MY CREDIT REPORTS, I DO NOT NEED A FRAUD ALERT!!
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I sent a certified letter to Experian requesting to update my personal information including my name, my address, social security number and my phone number and my employer. I sent copies of supporting documents including my social security card, a recent utility bill and a copy of my license. Today, XX/XX/XXXX, I saw that my report has 6 different names and seven addresses! I called Experian and spoke with XXXX about the dispute they partially completed in and I told him that these are not my addresses and stated that I can not be reached at the addresses and he stated that he could not take three adresses off my report. XXXX said that I have to talk to the creditors, Case Number : XXXX, and said that he could NOT dispute the addresses because it would only be reported again. I told him that as the credit reporting agency, they have the responsibility of furnishing accurate information and making sure it is accurate and therefore, should at least dispute it. He said that he can not dispute this and he can not take it off and said I have to talk to the creditor. I told him that I have provided proof of my accurate information and I told him that this is a violation of my rights. I have right to be able to update my personal information so I cant be reached. The various addresses make me appear unstable to potential lenders and is preventing me from accessing capital. I sent the same certified request to XXXX and XXXX and they have updated my personal information without any issues! I do not understand why Experian is giving me such a difficult time with updating MY PERSONAL INFORMATION. They are in violation of 15 U.S.C 1681 ( a ) ( 1 ) fair and accurate credit reporting 15 U.S.C 1681 ( a ) ( 4 ) consumer agencies assumed vital role in assembling and evaluating consumer credit and ( 4 ) there is a need to ensure credit agencies exercise their grave responsibilities with fairness, impartiality and respect for consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXAccount # 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