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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2023 XXXX. XXXX XXXX - XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate personal information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681. The information on my report contains errors that need immediate correction. Below, I have provided correct information that should be reflected on my credit report : Name : This my legal name : XXXX XXXX. 
Date of Birth : XX/XX/year> Address XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX. 
These errors have caused significant inconvenience, and under the FCRA, I am entitled to have this information investigated and corrected. Section 611 of the FCRA, 15 USC 1681i, requires that you conduct a reasonable investigation into my dispute and correct any inaccuracies or delete unverifiable information.

Please find enclosed the following documents to support my claim : A copy of my identification [ e.g., driver 's license, passport ] showing my correct name, DOB, and address. 
A copy of my bank statement I request that you : 1. Investigate the inaccuracies and correct or delete the incorrect information.

2. Update my credit report to accurately reflect my correct personal information.

3. Provide me with a copy of the updated credit report once the errors have been corrected.

4. Inform me of the outcome of your investigation within 30 days, as required by law.

Please note that failure to correct these inaccuracies may result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that these issues have been resolved. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THIS ACCOUNT WITH INVESTMENT RETRIEVERS IN, FOR ( {$2200.00} ) ISN'T MINE. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. Sincerely, XXXX XXXX XXXX * Identity Theft Report * Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] * Fair Credit Reporting Act Section 605B [ PDF ]
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX*, XXXX XXXX # XXXX****, XXXX XXXX XXXX XXXX # XXXX** was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I never received my " Mini-Miranda '' five days prior to placing this derogatory items on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 (  1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX** is held liable as well, for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where any of these companies are in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. None of these companies has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is the credit bureaus using foreign customer service reps? I have had to many scams perpetrated on me by people in XXXX. Like having my social security, mobile number and address. Now how can someone in XXXX have that mush personal information about me? I understand now. I'm sure that they are obtaining my information through these companies that they are working for. They sell them to other companies in XXXX and that's how my personal information is known all the way in XXXX. I know there could be other companies that they can get information from but why would some I give my social security number and other information to someone in another country. I don't feel safe calling the credit bureaus for information anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts and inquiries appearing on credit report. 1. XXXX XXXX {$0.00} 2. XXXX {$510.00} 3. XXXX XXXX XXXX {$810.00} 4. XXXX {$25000.00} Inquiries 1. XXXX 2 XXXX XXXX XXXX, 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX 6. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I keep trying to get my credit report updated since XXXX from XXXX and Equifax.XXXX  keeps sending documents to Equifax saying that the inquiries are factual when they are not.XXXX  keep sending me letters saying that the information will be updated. I have mad several attempts to communicate with both agencies but they keep jerking my chain. I have an Attorney working on file now since I am not getting no resolution. I was told both agencies mail and verbally on the phone it will take 45 days.It is now going on 120 days without any resolution and CFPB keeps closing out the file when the resolution is not done. I provided all the the necessary documents to Equifax showing that the credit inquiries from XXXX is not factual. This is a last attempt if not filing a Federal Lawsuit for discrimination, harassment, and fraud against both companies.
Product: Credit reporting or other personal consumer reports

The list has violated my federally protected consumer rights 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 I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 
And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I sent through the agency MONEYGRAM PAYMENT SYSTEMS , INC. the amount of XXXX USD to my bank account in XXXX. I had been a regular user of their services, without any inconvenience, until now. 

However, to this day I have not received the corresponding money from that transaction, there have been open four investigation cases of which they refused to give me an identification number, the first of them was opened on XX/XX/2021 the second on XX/XX/2021 the third one on XX/XX/2021 and the fourth one on XX/XX/2021, in all of them the agency has refused to send me proof that they sent the money to my receiving account in XXXX, so I do not have a document that allows me to initiate a dispute in XXXX. 

The agency only tells me by phone that they have proof that the bank in XXXX has confirmed that it did receive the money, however every time I requested for that proof, they say that I have to wait XXXX days to receive it, otherwise I must open another investigation case. 

Four investigation cases have been opened, they have not provided me with my money or proof that they have already sent the money.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Ive been a victim of identity theft. Please remove and block these accounts on my report, theyre hurting of my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXXXXXX XXXX # CL 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Me and my mother was give some information from a family friend that said they were going through a similar situation and they had a Second chance company that helped them named XXXX XXXX.I was provided the contact information for XXXX XXXX. 

On XX/XX/XXXX I have reached out to XXXX XXXX and spoke to a representative named XXXX. I informed XXXX about me and my mother 's issues with finding apartments that we can get approved for, due to our credit issues. He assured me that he could assist, he discussed payment and what to expect. XXXX told me that their company would be the guarantor of the contract for whatever apartment I choose. 
I talked this over with my mom and we agreed to send the money. I talked to XXXX and filled out of a form of where me and my would like to be located with the needed amenities. He gave me all of the avaliable Payment methods. We figured XXXX would be the best option. I gave XXXX {$600.00} XXXX, to the XXXX account. XXXX told me that he would send an Apartment list with what is needed, with the Partnered Properties to me, so we can go visit the apartments within 48 Hours. 

I have yet to receive an Apartment list. I have tried reaching out to XXXX and I haven't not a received a response thus far. 

On XX/XX/XXXX I reached out to Chase to see if someone could assist. I spoke to a representative who stated that I would have to speak to XXXX regarding the manner ; and I was transferrred over. I spoke to another representative, who stated since I willingly sent the money to the merchant ; they could not do anything. I asked to be transferred back to the previous department. However, the representative stated that there was not much more Chase could do either. 


Also, I requested my money back from XXXX XXXX and it was rejected. 

I have not received the services that I have paid for and I would just like my money back at this point. 

On XX/XX/22 I received a Statement from Chase, stating, " As we discussed and agreed, no action will be taken ''. Also, they have the incorrect disputed transaction. The correct dispute was for XXXX XXXX for the amount of {$600.00}, as stated in the previous claim thatI have submitted. I am confused as to what did we " discuss '' because I only received a Voicemail from the XXXX at the Chase Executive office, stating that she was working on the case. If this can not be corrected I would like my account closed and I will be taking my money out.
Product: Credit card

ID THEFT NEVER OPENED THIS ACCOUNT XXXX XXXX XXXX THIS HAS BEEN REPORTED AS FRAUD
Product: Debt collection

I have already bring this to your attention to remove this fraudulent and inaccurate reporting that is hurting my credit score for several times. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately. This item is already reported to FTC since the last time I coordinated with you and only your agency is reporting this negative item. 

XXXX XXXX : XXXX Account # : XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I went to a US Bank ATM in XXXX Nebraska. I withdrew {$1000.00}, but there was an error and I didn't receive my money. I called and made a dispute on that day. As of today XX/XX/XXXX, I still have not received {$1000.00}. I called them today and they still do not have an answer to where my money is. I get this money on a prepaid debit card through unemployment. This is my only income because I lost my job during the pandemic, and now I can't pay my bills and will start acquiring late fees. If I had a choice I would never bank with US Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked Credit Report And Do Not Recognize These Hard Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

About 2 weeks ago I had reported my Rush Debit Card compromised. And as I expected since the representative was not listening or understanding what I was talking about. He filed the disputes incorrectly causing my card to be closed. And when I woke to a manager since he did n't understand still the situation. She then proceeded to apologise and to over nighting me a new debit card. But then she proceeded on Transferring me to a dispute representative that I thought she had communicated the error and had fixed what the previous rep caused. To my surprise she did not which I found out yesterday when Rush Card closed my card without warning. The representative filed all my disputes incorrectly and did not block my card allowing transactions to hit my account. As of yesterday they have closed my account and they claimed to have mailed me a check for the balance. Which does not include XXXX pending transactions totalling XXXX dollars which were just holds for transactions that were not processed. But to Rush Card policy they remain on hold for 10 days and an hour from when the transaction was ran. On top of that there are the disputed transactions that because of the representative still hit my account although I called and reporterted the issue with my card before they happened. The total of those transactions are above XXXX. Rush has left me without a card and access to my funds do to negligence of their representative. They are mailing me a check and who knows when it will arrive. Since now they have to continue mailing checks do to their policy and the holds pending on the account. Before the closure happened I called to verify since I had a feeling that the documents I received did not state what I had told the representative but they were not able to provide me information because they did not deal with disputes. And customers are n't allowed to speak to them directly.
Product: Debt collection

The company LVNV Funding LLC is reporting a collection account to my XXXX and XXXX  credit reports. This account shows it is in the care of Resurgent Capital Services on my XXXX   credit report. It also lists an address associated with Resurgent Capital Services on both credit reports. It also has the wrong address zipcode because on one it has XXXX and the other as XXXX. 

I have disputed this account multiple times with XXXX and XXXX and each time it was verified as accurate and/or updated. I sent a certified letter to the address listed on my credit reports requesting validation which was received on XX/XX/XXXX and disputed the account on XX/XX/XXXX with the credit bureaus XXXX and XXXX the item was verified. I still had not received sufficient validation or any of the documentation I requested from LVNV Funding or Resurgent Capital Services so I contacted them on XX/XX/XXXX inquiring about them verifying information with the credit bureaus but failing to sending any validation for the alleged debt. The representative said validation had been sent on XX/XX/XXXX and I would receive it by the end of the week. Well once I received validation in the mail I see it was sent First Class Mail and stamped by the post office on XX/XX/XXXX. They ignored my request for validation and then rushed an account summary form Resurgent Capital Services and what seems to be a bank statement and did not include any of the other information I request for validation. 

The representative I spoke with on XX/XX/XXXX exact words were " Everything that you have requested in your letter we have sent you. We have sent you all the validation of debt that we can legally send you. So, again you will receive that. If you are not content with what we have sent you, you can request more information, but at this time we basically have sent you what we can in regards to your list and what we can send out legally. '' During this conversation the representative ( XXXX ) told me that a cease and desist was place on my account on XX/XX/XXXX and also stated this account was also purchased on XX/XX/XXXX. This is ludicrous since this cease and desist was added the same day this account was purchased and I had no knowledge of this account on this date.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally report that I have been a victim of the Equifax Data Breach, which has exposed my personal and financial information, including my Social Security number, without my consent. This breach has put me at significant risk of identity theft, credit fraud, and other financial harm.

Since the breach, I have noticed unauthorized credit inquiries on my credit report that I did not initiate. Given that my Social Security number has been compromised, I am deeply concerned about fraudulent attempts to use my identity for credit applications and other financial activities. 

I am requesting immediate assistance with the following actions : XXXX. Removal of Unauthorized Inquiries I formally request the removal of all unauthorized credit inquiries from my credit report. These inquiries were not initiated by me and appear to be a direct consequence of the Equifax Data Breach. 
XXXX. Protection Against Social Security Fraud Guidance on securing my Social Security number, including whether a fraud alert or credit freeze would be appropriate in my situation. 
XXXX. Identity Theft Protection Resources Information on any programs or assistance available for individuals whose Social Security number and financial data have been compromised. 
XXXX. Monitoring and Disputing Fraudulent Activity Steps I should take to effectively monitor my credit, dispute fraudulent accounts or transactions, and prevent further damage to my financial standing. 
XXXX. Investigation into the Equifax Breach Any information regarding the actions the CFPB is taking to hold Equifax accountable and protect affected consumers.

I request written confirmation once my concerns have been addressed and the unauthorized inquiries have been removed. Additionally, please advise me on the best steps to ensure my Social Security number and credit profile remain secure. 

Thank you for your immediate attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting

This information on my credit is not accurate and it not mine I do n't owe any Medical bill in 2013 for the amount XXXX $ Please take it out of my credit ASAP
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am reaching out to challenge an inconsistency found under the " XXXX XXXX '' section in my credit report. This relates specifically to the account listed below which has been categorized as charged off : XXXX XXXX XXXX : XXXX is showing my last payment date was XX/XX/XXXX and I've never been XX/XX/XXXX days late if that's true then why did my car get reposssesed because of late payments? 

XXXX XXXX XXXX : XXXX is showing my last payment date was XX/XX/XXXX and I've never been XX/XX/XXXX days late if that's true then why is this charged off as bad debt still on here? 

Upon thorough review of my credit report, I noticed that this charged-off account is persistently reported as maintaining an active XXXX payment history. This is not accurate and consequently, in violation of the Fair Credit Reporting Act ( FCRA ), as it erroneously influences the statute of limitations. 

Under the stipulations of the FCRA, the Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX compliance guidelines, I am entitled as a consumer to have accurate representation of all details in my credit report. With these consumer protection laws in mind, I respectfully request that you rectify this mistake by deleting the incorrect data from my credit report. Following the completion of this, kindly supply me with an updated version of my credit report that reflects the required corrections. 

As a consumer, it is my right to have access to precise and current information on my credit report. I anticipate all credit reporting agencies to uphold this obligation, in alignment with the FCRA and other applicable XXXX XXXX Laws. 

In light of this apparent oversight, I implore you to immediately expunge this inaccurate information from my credit report. Upon completion of this correction, please provide an updated version of my credit report for my review. 

I appreciate your prompt attention to this crucial matter.