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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX, and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following inquiries completely from my Credit Reports : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
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 XXXX, who's studying XXXX XXXX, 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 accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX - XXXX,
Product: Checking or savings account

Approximately {$2000.00} taken by terrorists using ATM, Static webpage, teller and or merchant accounts from my Santander Bank account XXXX also illegal use of XXXX and other hacker technology to prevent me from opening a claim and XXXX XXXX   intercepted calls to Sanrander fraud and bank departments.
Product: Credit reporting or other personal consumer reports

Ive discovered discrepancies on my credit report tied to 15 USC 16c-2. The listed inquiries werent authorized by me and are inaccurately affecting my credit. I kindly request their removal. Thank you!
Product: Credit reporting or other personal consumer reports

XXXX XXXX violated LAW 25 USC 68016802 AND 6803 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Law 15 USC 6802 states that NON PUBLIC INFORMATION can not be shared by a financial to a THIRD PARTY ENTITY. ( THE CREDIT AGENCIES ) According to FCRA Section 605 B, It is illegal to report informTION ON MY CREDIT REPORT WITHOUT MY PERMISSION. Please REMOVE THE LATES FROM ALL THREE CREDIT REPORTS IMMEDIATELY. Thank you!
Product: Credit card

XX/XX/year> a Sephora credit card was opened using my stolen social security number. 
XX/XX/year> I was notified of the new store credit card opened and new address on my credit file. 
Trying to follow FTC procedures after the report was filed I called to report fraud and to close the account using my social security number. 
The customer service team would not even transfer me to a fraud department or make a note to close the account because I did not know the name on account even though I had the correct social and reports filed for identity theft.

Sephora/comenity bank is still letting whoever stole my identity use my social and rack up charges without giving me any information or simply closing the account.
Product: Debt collection

Merchant credit Guide located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. Phone XXXX is reporting a charge off on my credit report at XXXX Reporting agency in the amount of XXXX. The Original Creditor is XXXX XXXX XXXX. I filed 2 disputes with XXXX requesting the discharge be removed from my credit report as the bill was paid in full directly to XXXX XXXX XXXX, the Original Credit in the amount of XXXX. This information was disputed twice, dispute no. XXXX and dispute no XXXX with XXXX in which Merchant Credit Guide said the account was not paid XXXX and would not delete from my credit report. As a result, my closing date on my new home was postponed due to this outstanding XXXX listed on my credit report. I also contacted Merchant Credit directly reporting that I dont owe XXXX XXXX. Merchant credit guide is a third party collection company and could have called XXXX XXXX to confirm the account information which they did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account in question. listed below continue to report on my credit report in violation of federal law. This account in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I had an account with XXXX XXXX XXXX for a cell phone over 5 years ago. i call altleast 10 times because my bill was so high because there was always extra charges on my bill ( data, games, apps ect. ) that i did not purchase. The customer service agent woulsld apologize and tsake off the charges and assure me this would not happen again. but it did a lot. the final incident was when my checking account bounced because my XXXX XXXX XXXX bill was so high from being frivolously charged for stuff i did not purchase or data. i was so upset i demanded to speak to a supervisor because i was so upset. The supervisor apologized and took off all the frivolous charges, i told the supervisor i did not want service from XXXX XXXX XXXX anymore that i could n't afford my bank account being over charged and i was so unhappy with the service. i wantedmy account closed. the supervisor tried to give me every offer she could so i would stay with XXXX XXXX XXXX. i finally told the XXXX XXXX XXXX supervisor that i was going to cal the XXXX and file a complaint against them for breach of contract and their horrible service. The supervisor said sahe would close the account, i still had to pay for that month and the XXXX XXXX XXXX supervisor closed my account with a {$0.00} balance. and i went to a different company. In XXXX 2016 i became a member of credit Karma and i was looking over my credit report and saw a account in collections for AFNI for {$480.00}. The collections account was for XXXX XXXX XXXX mobility. I cALLED XXXX XXXX XXXX and the customer representive said there was nothing they could do because the account was turned over to a collection agency. I said a {$0.00} balance account? XXXX XXXX XXXX were rude and said to call AFNI. I called AFNI and explained what happened with XXXX XXXX XXXX and that i disputed the claim through transunion and equifax, AFNI would not work with me or listen to anything i had to say. the representitive said just pay it, or set up a payment plan. i even faxed AFNI a settlement i received from XXXX XXXX XXXX because there was a class action lawsuit against XXXX XXXX XXXX for what happened to me. AFNI did n't care and just wanted me to make a payment plan. I am so upset with XXXX XXXX XXXX and AFNI for the way i was treated by both companies. i am so upset i do n't know what to do anymore. please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the Bureaus on XX/XX/XXXX regarding the XXXX XXXX XXXX. This item is outdated and needs to be removed from my credit profile. According to the FCRA negative and closed accounts can remain on a credit report 7 years after the date of the first delinquency. According to my records this account became delinquent XX/XX/XXXX it is now XX/XX/XXXX this account is outdated and needs to be removed from my credit report. As a consumer I have the right to a credit report that is 100 % accurate. Experian, XXXX, and XXXX all have guidelines that they must follow according to the FCRA. I have also reached out directly to the original Creditor about this matter. I understand that mistakes can happen but I expect each Bureau to make this right. Removed this outdated account from my profile. I am in the market for a new home and my credit report is important to me. I expect each Bureau to remove this outdated account from my credit profile IMMEDIATLEY!
Product: Debt collection

XXXX XXXX , XXXX collection agency keeps calling me and sent me a letter regarding an account that I do not have with them. I requested them to provide me the following information to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, delegation of authority giving you the authority to collect the debt, and a complete accounting / statement of payments with interest and fees associated with this debt. To date I have not receive this information.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

I have consistently paid this account on time, and the presence of an inaccurate late payment is causing me XXXX XXXX. I am unable to XXXX XXXX due to this issue. Please promptly update my account and remove any incorrect information to XXXX XXXX XXXX. I am begging you to take action as soon as possible.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

I have some tollway bills owed, dating back to 2019. I was unaware of all of the bills. It appears the collection agency was trying to find me. 

They found not just my boss, but my boss ' boss. And sent a collection notice with my name on it to his home address. 

He reached out to me asking about it. This came at a terrible time. I have been in a tough situation with this individual at work already. 

I feel this was a massive invasion of privacy and absolutely illegal and inappropriate collection tactics.
Product: Credit reporting 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 Account NumberXXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a 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: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix this problem since XXXX, but the credit bureaus just go by the word of the Creditor. I reported to the bureaus that that account is not mine because it could n't be my signature because I was fresh out of the hospital from my XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want to see that paperwork with my so called signature to prove that it 's not me. I have the right under the Fair Credit Reporting act to ask and get a copy of The contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance {$21000.00} ; XXXX XXXX XXXXK XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This is not the same complaint as before so you cant skip or avoid not to answer. I will send this complaint until you answer the below questions. Otherwise I will solve the problem at the court but before go to trial I want to collect my proof and see their last answer. The company said that I need to contact XXXX I already sent them an email but they didnt reply ( also I added XXXX and XXXX too ) Im adding the screenshot of my proof at the attachment. So I have some questions but I dont want to listen tales or dont bother yourself to explain long unnecessary stories. Just answer my questions yes or no XXXX ) Did you answer my last email? If yes when and do you have proof? If no why? XXXX ) I found an attorney and already gave him XXXX $ for consultation fee but he wants XXXX $ for the court so do you accept to go court and if you lose ( % XXXX Im sure you will lose ) are you willing to pay his fee? Yes or no! 3 ) Im unemployed right now and I want to buy a car to do uber ( I can prove that Im unemployed ) so will you cover my loss until court resolves? Yes or no! XXXX ) I will show your answer at the court do you accept? Yes or no! So you were lying that I dont answer you but as you see who doesnt answer. Let me know your answer and I need to add your answer to my evidences.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act : 1.XXXX XXXX : XXXX 2. XXXX XXXX XXXX  : XXXX 3.Drpt of Ed : XXXX 4.XXXX  XXXX XXXX XXXX XXXX XXXX 5.XXXX XXXX XXXX : XXXX 6.XXXX-XXXX XXXX  XXXX 7.dept of Ed/XXXX  : XXXX 8.dept of EdXXXX XXXX : XXXX 9.XXXX  XXXX : XXXX 10.XXXX XXXX XXXX XXXX XXXX XXXX 11.XXXX XXXX  : XXXX 12.XXXX XXXX  : XXXX 13. XXXX  XXXX  : XXXX 14.XXXX  XXXX  : XXXX 15. XXXX XXXX  : XXXX 16.depted XXXX  : XXXX 17.XXXX XXXX XXXX  : XXXX 18.XXXX  XXXX  : XXXX 19. XXXX  XXXX : XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A.Section 2 : it also states that a consumer reporting agency can not furnish a account with out my written instructions.

15 U.S.C 1681 - Congressional findings and purpose. : ( B ) ( 4 ) Reasonable Procedures. F.C.R.A 15 U.S.C 1681C-2 ( A ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Block of information resulting from identity theft.

18 U.S.C 1028- ( A ) ( 1 ) ( 3 ) ( 7 ) ( 8 ) Fraud and Related activity in connection with identification documents, authentication features, and information.

No SSA-89 form for furnished information ( s ).
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former : - - - Date of Birth : XXXX  Current Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes.
Product: Debt collection

I sent a Debt validation letter to MSB MUNICIPAL SERVICES BUREAU. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, MSB MUNICIPAL SERVICES BUREAU did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the MSB MUNICIPAL SERVICES BUREAU or any attempts by the debt collector to validate the debt they believe I owe. It has been more than a few months since they put the debt on my credit report and More than 1 month since I requested validation. This isn't my initial time filing a complaint on this company, I filed a CFPB complaint before and it was deemed unauthorized and removed from my credit. Evidently, they have marketed the account to another creditor and creating further efforts to collect on a debt that isn't mine.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXXDate Opened : XXXX Owed : {$830.00} Chargeoff- XXXX XXXX XXXXDate Opened : XXXXBalance Owed : {$1100.00} Chargeoff- XXXX  Date of inquiry XX/XX/2023
Product: Student loan

XX/XX/2018 - called XXXX XXXX to check on status of my income-driven repayment plan application. I was telling the man from the department of IBR that I submitted my application on a date different than what he told me and he became rude and short. I told him I understood the system said one date but I knew I had submitted it prior to that. He kept reiterating to me that he was correct and I was wrong. While it seems insignificant, and it largely is, this is not the first time I have had issues with customer service. On a date that I cant recall, I called and the man I spoke with was very demeaning about the questions I had regarding the process of finding out when my loans were due and IBR. 

I have currently been waiting since XXXX for all my loans to be placed on one IBR plan. I submitted my first application in XXXX and was told all my loans were on the same IBR plan. Somehow, they were all removed from that plan and I had to resubmit my application. This time, only part of my loans were placed on the IBR plan and most are not to my understanding today. 

I have been trying to secure a loan for a house and need my billing statements. I have called numerous times and have gotten the same answer, that my bill is not due yet and I have to wait until my IBR plan is approved. My first payment was supposed to be due XX/XX/XXXX, but because of XXXX XXXX delay, my first payment is XX/XX/XXXX, and that is only for part of my loans. While this seems nice for some people, it is hindering my he-buying process and is causing a lot more trouble than good. 

This company has been nothing but slow and unresponsive, not to mention has rude customer service