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

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX ( Original Creditor : XXXX ) Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account number : XXXX, has violated my rights.

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

This account has been charged off by the original debtor. It is way past the statute of limitations. It has been sold various times over and over to debt collectors. Ive been a victim of harassment for over 11yrs. Since XXXX or longer Ive had wages and bank accounts garnished with no detailed proof that the debt is actually that of mine. Ive requested to see a print out or statement from the original creditor showing a detailed breakdown of every charge. A fradulent debt from years ago has now turned into this massive debt. I have no idea what I am paying for or how theyve reached the sum of over {$16000.00}. 

To this day, I have no proof of how the debt was created and again that the debt is actually that of mine. Years ago I explained to the credit card company charges were not mine. The credit card company agreed to look into it. I didnt realize fraudulent charges were made on this card in my name till months later. Unlike today you get a fraud alert immediately. Years ago this did not exist. 

Back then I was younger, inexperienced and had no money. I didnt know how to fight it or stop it. To this very day, the fraud continues to haunt and plague me. It is like a curse. 

I spoke with an attorney representing the firm in XX/XX/XXXX explaining that I had been a victim of fraud. He told me to take some time gather whatever info I can get and send it to him. It took sometime to gather all the information again after several years had passed. Some documents I had to send for others were in storage. In XX/XX/XXXX, I sent a huge packet of information, police report and other documents indicating stolen identity, forgery and fraud. They never once by mail or phone, even as a courtesy acknowledged that they received the information, would look into it, try to work with me and help clear my name. Nothing in a caring or consoling nature. 

But instead, by their actions they've proved to be the predatory debt collector who prey on the innocent. They sent me another garnishment letter. How insensitive! I feel like the fugitive, accused of a crime not committed. Will you please help me end this?
Product: Checking or savings account

XX/XX/22 XXXX XXXX  charged my account XXXX XXXX this was an unauthorized charge an I made a police report about my wallet n phone being stolen an my account was used thru the app for the bank ..they said they did an investigation but they didn't because I did one my self an XXXX XXXX is an XXXX Bitcoin n no one speaks English but one employee .they denied my claim without investigating .then I also disputed 2 unauthorized charges on XX/XX/22 from XXXX one charge was for XXXX XXXX an another one for XXXX XXXX it's a scam website an they charged my card for 2 different charges an I informed current bank about it too retrieve my funds they denied my claim as they do each an every claim staying that they investigate but they dont
Product: Student loan

For years, I 've been forced into forbearance with Navient, which, mind you, they charge you for you, about {$100.00} each time, that you have to pay that day, on the phone, as though asking for financial assistance means having those funds. Anyway, I 've never been allowed an income-based repayment plan. And currently, my student loans from Navient exceed what I borrowed ... and I have been paying on them for nearly 10 years with no relief. And this is n't the only set of loans I have. I make less money than I owe per month for my loans, and I 'm given no assistance. I can not continue to pay the forbearance fees on them, for a 3 month period, in which time I do n't magically make more money. I also feel they 've messed with my interest in some way, because how have these not gone down at all since 2009? I 've attached copies of my statements and proof of payment. But I have to say, to be charged that type of capitalized interest, offered no financial assistance to someone who needs it, and to disqualify me for an interest rate reduction ... it all makes me sick.
Product: Debt collection

Utilitiy account opened fraudlently result of identity theft. Did not sign any contract nor authorize any services to be rendered in my name.
Product: Credit card

My Amex XXXX card opening bonus points were revoked after Amex paid it. The reason was that there was a refund. After the refund occurred, I did not meet the conditions of the bonus. But Amex didn't revoke the bonus points immediately after the refund occurred. Rather, it revoked the card opening bonus after the promotion expired. This was about XXXX months after the refund. 
Since Amex doesn't have cumulative spending showing, the fact that they paid the bonus makes me think that I've met the payment threshold to get the bonus. 
I think Amex should have at least emailed me to notify me, but they didn't. 
If I knew I didn't meet the requirements, I would have cashed in my points a long time ago. I was a loyal customer for XXXX  years. There is no way I could have made a mistake on purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the court and they verified that they do not report bankruptcy to you all therefore this information is not verifiable and must be removed. it's clear they do not report to you XXXX, Transunion or XXXX or to any Credit Bureau for that matter therefore your Original response verifying the item with the court was either a lie or an error either way the reporting requirement Do Not Comply with FCRA and FTC laws and the be deleted immediately.
Product: Debt collection

They call from a different number every time. They call at all hours of the day and night. I have received 3 calls already today and it is XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by XXXX XXXX XXXX XXXX, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and XXXX XXXX with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applicationXXXX XXXX XXXX XXXXubmitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Checking or savings account

My account was fraudulently compromised by someone getting my account number and making fraudulent charges for XXXX purchases. I made Bank of America aware of the situation as soon as i noticed large sums of money missing from my checking account. They returned the money to me within 5 days. 2 months later Bank of America took the money back out of my account. After I called to inquire why, I was told that I had looked at my account to often to have not noticed the charges sooner. I explained to them that the small charges such as well {$1.00} did not cause and alarm for me to notice. However the {$100.00} caused a huge alarm and as soon as I noticed this I immediately contacted them. However here we are a month later and im still trying to get back my {$210.00}. The bank has now victimized me twice. First by allowing someone to charge on my account and now with them stealing my money as well. This is ridiculous!!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : 1.XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. Experian Information Solutions XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

In  XXXX   XXXX  we purchased furniture from Ashley Furniture and were told by the salesperson that we had 36 months to pay off our purchase with 0 % interest ( ~ {$3100.00}  ).  We setup our automatic payment amount of {$87.00} to pay off the principal in full within the 36 months. However, we noticed that we were still paying as of this month. When we contacted Synchrony Bank today  XXXX / XXXX / XXXX  ( who carried the card ), they informed us that we were actually signed up for the 12 month no interest promotion. We had another account with  Synchrony  for our  XXXX   XXXX  purchase which we paid in installments with no interest. We were led to believe we had a similar setup with Ashley and therefore continued making the scheduled payments. We had the ability to payoff this loan at purchase, but as stated were told be the salesperson that we had 0 % for 36 months. Now we are being billed for over {$2300.00} in interest. In order to avoid any more interest penalties I have paid the remaining balance today - but feel that the deceptive practices at  Ashley  have cost us thousands of dollars.
Product: Debt collection

XX/XX/year> - I CALLED ABILITY RECOVERY SERVICES @ XXXX TO INQUIRE ABOUT DEBT THAT HIT MY CREDIT REPORT ON XX/XX/year> AND THEY COULD FIND ANY INFORMATION DESPITE ME PROVIDING MY NAME, SOCIAL, DATE OF BIRTH, ADDRESS, RENTAL PROPERTY ADDRESS, PARENTS NAMES AND SOCIALS AND DOB, MY KIDS INFORMATION. I SPOKE WITH THREE REPRESENTATIVE NONE OF CAN FIND ANY RECORDS OF THESE COLLECTIONS. THEN I CALLED XXXX AND THEY COULD NOT PROVIDE AN ACCOUNT NUMBER. NONE OF THIS MAKES SENSE, HOW THEY ARE ABLE TO POST INFORMATION ON SOMEONE'S CREDIT REPORT WITHOUT ANY VALID INFORMATION.
Product: Credit card or prepaid card

Received a pre-selected offer via US Mail from Aspire Credit Card ( Bank issuer is XXXX XXXX XXXX ). It said in bold letters under " A More Rewarding Card '' that it will have NO ANNUAL FEE, Plus earn 3 % Cash back which made it enticing for me to apply. After I applied through their instruction I was approved for {$1000.00} Credit limit but I would have to pay {$170.00} Annual Fee and a Maintenance fee of $ XXXX. I think this is misleading because that is the only reason why I applied for the card to begin with. And the disclosure did not mention anything about this in their terms from what I read.
Product: Checking or savings account

For the pass three years XXXX other XXXX XXXX including myself open accounts with chase along with XXXX XXXX XXXX apart of the XXXX XXXX to see why XXXX XXXX accounts are quick to be closed for maybe a returned item, low deposit and denied a line of credit or credit cards. Where as the XXXX XXXX XXXX have had over the pass three years numerous of return item 's and accounts are still open and was issued a XXXX line of credit. Whereas, there have been numerous times small business XXXX XXXX  tries ti get a line of credit and denied just because the XXXX of their skin. There are different dates that our accounts have been closed and denied and sent letters of rejection
Product: Bank account or service

I did not authorize Comenity Bank to make two attempted withdrawls of 1. XXXX and 2. XXXX from my ersonal bank account without mt consent. They have attempted to take these funds from my personal bank account several times which cause my bank to charge me numerous insufficient fund fees for the last couple of months.
Product: Debt collection

LVNV funding needs to provide what physical verification was provided to the 3 major credit bureaus to the CFPB portal as information as the data furnisher must be 100 % accurate and complete. If LVNV funding used the EOSCAR system then it isnt possible to provide any physical documentation as required by law under the FCRA section 623 ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

all three credit bureaus are ignoring my disputes
Product: Student loan

In 2007 XXXX XXXX and XXXX sent recruiters to high school classrooms giving them an air of legitimacy. 
I showed interest as a XXXX XXXX XXXX and was aggressively marketed to, including multiple calls during school hours. Many claims were made by recruiters about accreditation and legitimacy of degrees. 
Excited to have been accepted in to a school with an allegedly good reputation I took out a federal loan to pay for part of my education. I took out around {$30000.00} as a fresh new adult. 

In the more than decade after graduation I have gone from entry level job to entry level job. Barely being able to access health insurance. The XXXX XXXX that seemed so important had counted for very little and making even the lowest payments has been a challenge. My interest rates have left me with more than {$10000.00} more debt than I started with. Loan servicers have bought and sold the debt multiple times making it difficult to keep track of. 
I feel that I have been scammed and that the federal government has legitimized it. Even after XXXX and XXXX have been listed as bad actors this debt has grown and stunted my ability to take major milestones in life. 
I was further insulted when after organizing with other student to amass our stories and data to show this fraud we were denied in blanket denials from the department of education. 
These predatory loans and schools should not be accessible to high school students trying to make their lives better and follow the instructions put out by their peers and educators. 
I thought I was bettering myself not damning myself by getting an education.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI, THESE INQUIRIES SHOULD HAVE BEEN REMOVED OFF MY REPORT, IT IS NOT FAIR THAT I HAVE TO SUFFER FORM FALSE REPORTING INFORMATION, PLEASE CAN YOU FIX THIS AND REMOVE ASAP THANK YOU
Product: Credit reporting or other personal consumer reports

Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance {$640.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$950.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

BofA was informed of mail fraud and reported two late payments incorrectly. I've sent them numerous letters and there has been no response or resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday XX/XX/XXXX, I went to the site XXXX  to see if I would be pre-qualified for financing. I was found to be not pre-qualified for XXXX XXXX through their site. On Tuesday XX/XX/XXXX at XXXX XXXX I was contacted via email by sales consultant XXXX XXXX about my online inquiry, to which I responded with inquiring why my credit had been pulled for a full credit application for financing without my consent, and to date I still have not received a reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 req asking for the validity of the debt was asked to sendin my copy of id, ss # and a letter with signature which I did provide XXXX XXXX,2018 and I have yet to get a reply although all req were received by the creditor as per USPS ( Certified mail )
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I'm writing to talk about an issue I found in my credit report. My name is XXXX XXXX XXXX, and I noticed that some of my personal information was shared with another company without my permission. I think this goes against the law that says you can't share someone's personal info without their say-so. 

I read about the rules ( 15 U.S. Code 6802 ) that say my personal info should be protected, but it seems like that didn't happen. The Fair Credit Reporting Act ( FCRA ) also gives me the right to control who gets my info, and it looks like my info went to someone who isn't connected to your company. This worries me because I didn't get a chance to say no, like the law says I should. 

Just to be clear, I don't have a problem with the companies I owe money to. My concern is with your company for sharing my info without checking with me first. 

I checked the law ( 15 USC 1681b ), and it says you need my written permission to share my personal info. I never gave that permission, so I need you to prove that I said it was okay. If you can't, it might mean you broke the rules of the FCRA. 

I already reported this to the Federal Trade Commission ( FTC ), and my complaint number is XXXX. I'm worried this might be a kind of identity theft ( 18 USC 1028a ). 

I'm officially asking you to take these accounts off my credit report in the next four business days : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX Account Number : XXXX U.S. Bankruptcy Court XXXX Account Number : XXXX I also want you to remove these unauthorized inquiries in the same time frame : XXXX XXXX XXXX - Inquiry date XX/XX/2023 XXXX  - Inquiry date XX/XX/2023 XXXXXXXX XXXX - Inquiry date XX/XX/202XXXX XXXX XXXX Inquiry date XX/XX/2023 I have the right to fair and accurate credit reporting, and fixing these mistakes is important for my credit report to be correct. 

I also need you to show me how you checked that the information you have is right and that I had a chance to say no to it. This is important to make sure credit reports are fair and accurate. 

I hope we can sort this out quickly, within the four business days I mentioned. If not, I might have to take legal action. 

Thank you for looking into this right away.
Product: Credit reporting

I 've sent numerous certified to which I get verified back .... the debt collector can NOT validate this debt therefore how can it be reporte. The agency has not done their due diligence and provided me with any valid paperwork. I am uploading the letter sent from merchants credit saying THEY CAN NOT VALUDATE THIS DEBT
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Hello, I sent out the disputes XX/XX/21 and I sent proper identification and they sent back a stall letter requesting documentation dated within 2 months and I did just that. Im requesting they investigate and delete these accounts this investigation has passed over 30 days but all documents sent was within the guidelines of submitting a dispute and on top of that these items are unverifiable and illegally reporting on my credit please delete it from my report. Im submitting the dispute again and all relevant documents.