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

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM A VICTIM OF IDENTITY THEFT. 
MY PERSONAL INFORMATION WAS LEAKED IN MULTIPLE DATA BREACHES, WHICH RESULTS IN NUMEROUS FRAUDULENT ACCOUNTS, INQUIRIES, AND PUBLIC RECORDS BEING REPORTED TO MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX. DATA 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

I have received a copy of my consumer reports, and I noticed XXXX is reporting transactions on my consumer report that are excluded by law as per the FCRA 15 USC 1681a ( 2 ) ( A ) ( i ). I was not late because I never received a statement in the mail per 15 USC 1666B with the information required in it per 15 USC 1637B. I was not late on this account, and I want the late payment removed immediately.
Product: Mortgage

I received an email from a company called " LendGo '' that said refinance rates as low as 1.99 % were available with no fees. I clicked on the website and input some general information and submitted it. My phone almost immediately lit up with calls from mortgage lenders. None had rates below 4.6 % and a couple pf them had the grace to laugh at the 1.99 % rate that LendGo was referencing. 
So, while I was not harmed personally, I think that this company is using false advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX &XXXX & Trans Union were all supposed to send free credit reports to me! XXXX sent my credit report with A WRONG FIRST NAME ON THE ENVELOPE! The Letter was opened by another person in my family who has the same last name as me! Of course - sending out people 's confidential financial documents with wrong first names is a wrong thing to do!

For a lot of reasons!

For other people - it could have been a lot worse! XXXX & Trans Unionreports have still NOT arrived!
Product: Payday loan, title loan, personal loan, or advance loan

Per the Company 's website, you need to have deposits of at least {$1400.00} a month, but on my account, my deposits from working were only {$1200.00} ( my income had recently dropped dramatically, and I didn't realize it due to medical issues ), and the other deposits were another payday loan and money I borrowed from family. They also state that you should have a positive account balance my account was negative $ XXXX, and last but not least, an excessive amount of overdraft fees XXXX in XXXX, XXXX in XXXX, and XXXX in XXXX. I've been dealing with a lot of health issues, and my new medications at that point made it easy to miss things that I normally would catch on to but this is why its also up to the lender I certainly couldn't afford the loan then or now and they knew it.
Product: Credit card

I received a notification in the mail from XXXX credit card company stating that they believe someone was using my personal information fraudulently in order to open up a credit card with them. They have denied that application however that is only XXXX credit card company that they could have tried this with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to XXXX, XXXX, Experian Consumer financial protection bureau I choose to opt out of the following credit reporting the following companies have not asked properly my permission for credit reporting and I choose to Activate my consumer options according to 15 USC 1682B to opt out of Their monthly credit reporting according to permissible purpose consumer law. 
STOP THE CREDIT REPORTING FOR THE FOLLOWING ACCOUNTS. 
___XXXX XXXX XXXX XXXX XXXX XXXX XXXX_______REMOVE__ACCOUNTS__REPORTING___NO___PERMISSION_TO__REPORT._______________________________________________________________________________________________________________________________________________________________________________
Product: Credit card or prepaid card

This is another complaint against Capital One Bank. I had a Capital One Visa card for years and sometimes put XXXX of dollars a month on it. The interest rate did not matter, for I always paid the entire statement at the end of the month. After two incidents with the XXXX XXXX XXXX division of Capital One, I closed the account with a XXXX balance. Nevertheless, Capital One allowed a charge after the closure. ( It took three notifications to close the account. ) I eventually paid the charge placed on my statement after I closed the account. My check arrived before the cutoff date. Nevertheless, I got still another statement from Capital One for {$4.00} for interest incurred during the mailing time. In other words, I am never to be clear of debt from Capital One. 

Ironically, during this time, I have received four or five notices from Capital One that I am pre-approved for a Visa card. No thanks! I would advise anyone seeking a credit card to look anywhere but with Capital One.
Product: Debt collection

A collection agency under the name XXXX XXXX APPEARS ON my credit report and is trying to collect an amount of {$83.00} that I do not recall to had with them. Also I dont have any contract or agreement with this Company " XXXX XXXX '' and I do not own them any thing... I never gave this company none of my personal Information as SSN, Names, Adress and Phone number and they are not autorize to use them. 

A FEW MONTHS AGO ANOTHER COMPANY UNDER THE NAME XXXX XXXX TRIED TO COLLECT THE SAME AMOUNT AND AFTER MY CLAIM AGAINST THEM THEY DELETED THIS ACCOUNT FROM ALL OF MY CREDIT REPORTS DUE TO THE FACT THEY COULDN'T PROVIDE ME WITH ANY SIGNED DOCUMENTATION BETWEEN ME AND THEM
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Subject : Fraudulent Account Opened in My Name Dear Navy Federal Credit Union, I am writing to formally dispute a fraudulent account that has been opened under my name and to request the immediate removal of any associated late payment records affecting my credit history. 
In XX/XX/XXXX, it came to my attention that an account was opened using my personal information without my consent. I would like to stress that I have never served in the military nor do I have any acquaintances who have. The lack of connection to Navy Federal Credit Union raises further questions regarding the legitimacy of this account. Additionally, I am aware that no branches of Navy Federal operate within my state. As such, I am unclear on how this account could have been opened allegedly in my name. 
Unfortunately, my identity has been involved in numerous data breaches, leading to an increased risk of identity theft. To address these issues, I have filed a police report regarding the unauthorized activity on my credit report, and I have taken steps to monitor my accounts closely. It is concerning that the opening of this fraudulent account has not only impacted my credit score but has also led to late payments being reported, which I did not incur. 
Under the Fair Credit Reporting Act ( FCRA ), victims of identity theft, such as myself, have specific rights that protect them from adverse events resulting from unauthorized use of their personal information. Section 605 ( e ) of the FCRA prohibits the reporting of information related to the account that resulted from identity theft, and I believe that these protections apply in my case. Thus, I respectfully request the removal of any late payments and history associated with the fraudulent account from my credit report. 
I am prepared to provide any additional documentation necessary to assist you in your investigation, including a copy of the police report and evidence of the data breaches involving my information. I urge you to take this matter seriously, as it not only affects my financial stability but also my peace of mind. 
I appreciate your prompt attention to this issue and look forward to your swift action in resolving this matter. Please confirm in writing that the actions I have requested have been completed and that my credit report has been updated accordingly.

Thank you for your cooperation. 
Sincerely, [ XXXX XXXX ] [ XXXX XXXX Digits of XXXX XXXX ]
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 XXXXXXXX XXXX XXXX Apartment 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

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

1. XXXX XXXX 2.XXXX XXXX
Product: Checking or savings account

I received a notification from XXXX that an account at JP Morgan Chase Bank was being opened using my information. I never opened an account at the bank, so I called and reported it as fraud. The company followed up and said that no accounts were opened with my identity. The company, however, confirmed that my XXXX matches a business account holders XXXX, and both are valid. When I called the number on letter I received, the representative, XXXX, could not answer my question. I am worried that the company will confuse the XXXX with my Social Security number and can possibly make me responsible for fees/ charges that don't belong to me.
Product: Debt collection

My name is XXXX ; XXXX XXXX The Agent for principle XXXX XXXX, a federally protected consumer, holder in due course, attorney in fact. I have a closed checking account with Wells Fargo Bank that ended up going into collections. I have been responsible in making payment arrangements dating back to XX/XX/XXXX. My most recent payment was XX/XX/XXXX for {$40.00}. I was operating in good faith. Then exactly two weeks later on XX/XX/XXXX I received a disturbing email from Wells Fargo Bank threatening me. The email read " Call us soon as possible about your closed deposit accounts balance to avoid further collection action ''. What could possibly be further collection action? Perhaps to give me a negative report to consumer reporting agencies, knowing that negative information will damage my credit reputation with other banks, car dealers and obtaining housing property. I am aware of my consumer rights and the rules of the fair debt collection practices act. This is harassment and abuse. My consumer rights have been violated. Pursuant to 15 USC 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. My financial reputation was threaten here. I called Wells Fargo collections department and informed the phone rep of the abuse that took place. I was told a investigation would take place. XX/XX/XXXX at XXXX XXXX  I received a call from from a gentleman by the name of XXXX if I'm not mistaken. He was calling from the Executive office. He told me he would look further into this matter. A case number was created for this investigation, and the number is XXXX.
Product: Debt collection

I have never received any written correspondence from Perfection Collection verifying the debt they say I owe. I am entitled to written verification of the debt, to include the original debtor, amount of the original debt and fees now assessed to date.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report, I noticed fraudulent accounts on my report these accounts are hurting my ability to gain credit. 

To verify my identity and avoid further delaying I have included a picture of my State issued drivers license, social security card and a bank statement for proof of address.
Product: Checking or savings account

I was a victim of a scam for a fake job offer. I provide cleaning services and was contacted and given an offer by a potential " client '' who pretended to be a realtor agent for a well-known Broker Agency. On XX/XX/23, I was sent a contract via XXXX to be signed and sent back. According to the contract, I needed to send a surety deposit payment IRS pre tax through a secure XXXX channel in order to confirm my account as legitimate for payment transfer for the services. The contract also stated this surety deposit amount was going to be refunded back to me within 2 hours following the surety process confirmation. I sent the payment, but my refund was not provided within the advised time frame. On XX/XX/23, I contacted my financial institution to report this possible scam and stop payment. I was advised the claims department was closed due to XXXX of XXXX holiday and asked me to call back the next business day. On XX/XX/23, Iat XXXX, I contacted my financial institution and was told they couldn't stop payment because the transaction was already done and the money had already been transferred via XXXX . Same day, I placed a claim for fraud/scam. I also contacted the actual broker agency who confirmed this was indeed a scam. I walked into one of Chase branch near my area to cancel my account as it was compromised and re opened a new one. I was advised a temporary refund was being placed until the investigation was finalized. A few days after, the claim was denied stating I approved/sent the money myself and the temporary refund was taken back. I opened a new claim, spoke to a manager explaining the money was sent for a job offer that resulted to be not real but a scam. I was advised a courtesy recovery may be potentially be honored under the specific circumstances specially because the person who received the money also has an account with Chase. The money was indeed transferred from Chase to Chase via XXXX. I was advised the last day for review would be XX/XX/23. Today, XX/XX/23, I contacted Chase and was advised there is nothing they can do. Even if the scammer has a chase account, they can't recover the funds and therefore my claim was once again denied. They would not even escalate it and was told to contact XXXX. No notification was received about their decision, if it wasn't because I called to find out, I would have never known. Up to this day, this scammer keeps harassing me via phone. Keeps calling with different area codes numbers. I reported the issue to IC3, DCA AND FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and has XXXX accounts and XXXX hard inquiry thats not mine. The following accounts are fraudulent, unauthorized, stolen and lost : XXXX  XXXX/XXXX/XXXX, {$3.00}, XXXX XXXX DC, XXXX/XXXX/XXXX, {$380.00}, the following hard inquiry is not mine : XXXX XXXX XXXX, XXXX/XXXX/XXXX.
Product: Debt collection

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I don't believe the information to be accurate. 
Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX FL, XXXX You did not confirm XXXX/SUNBIT Account Number XXXX According to the FCRA, accounts that have been disputed by the consume must be notated as such. Your failure to investigate this account, and notate it as such, is a violation of the Fair Credit Reporting Act. Please remove immediately. 

XXXX XXXX
Product: Debt collection

Portfolio Recovery keeps calling my number trying to collect a debt on someone else, I have told them several times this is not a good number for this person, and to remove my number from their call list. 

They still call several times a day from several numbers trying to hide caller id information. 

Attached are the calls that pop up on caller id.
Product: Debt collection

This is an account that was purchased from Big Lots. I have yet to receive a contract with my Wet signature on it. I asked for this information when XXXX XXXX called me and they never sent it. They call me repeatedly throughout the day from different numbers. This is a form of harassment. 

15 U.S.Code 1692k ( a ) ( 1 ) - Allows for any action of damage.

AFFIDAVIT Notice, it is a fact, affiant is aware pursuant to 15 U.S.Code 1692k ( a ) ( 1 ) allows civil liability rewards for any damages, which may include stress, harassment, anxiety, mental anguish, and other damages all caused by violations of FDCPA due to XXXX XXXX XXXX abusive and deceptive business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello all, I have disputed a negative remark on my credit report with all 3 major agencies for XXXX XXXX  XXXX. The account number ends in XXXX. 

The inconsistencies center around payment information. They are mismatched on every single report. Some show payments, some say CO, so say no payment and they are all different. 

I know, through you, that if they can not verify then they can not legally report this. All three disputes have come back as verified but nothing has changed and all are inaccurate. Can you help?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Incorrect and Unverified Debt Reported by Experian Dear Sir/Madam, I am writing to formally file a complaint against Experian for reporting inaccurate and unverified debt related to a XXXX collection on my credit report. After thoroughly reviewing my credit report, I have identified that Experian has listed a collection account for XXXX, which is both false and not properly verified. 

Specifically, the account in question is reported under the following details : Creditor : XXXX Amount : {$2900.00} I have disputed this information directly with Experian and XXXX. This debt is not valid and has not been verified in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my efforts, Experian has failed to remove or correct the entry, continuing to report false information that negatively affects my creditworthiness. 

Under the FCRA, credit reporting agencies are required to report accurate information and verify any debts they list. As of now, this account remains inaccurately reported, and I request your assistance in ensuring that Experian complies with the regulations governing fair credit reporting. 

To support my claim, I have attached copies of the following : A copy of my current credit report from Experian showing the XXXX collection. 
Correspondence I have sent to Experian regarding this issue. 
Any other relevant documentation or evidence that supports my dispute. 
I kindly request that the CFPB intervene in this matter to ensure Experian complies with the FCRA by conducting a proper investigation into this unverified debt and removing any false entries from my credit report. I would appreciate any assistance the CFPB can offer in resolving this issue promptly. 

Thank you for your attention to this matter. I look forward to your timely response and any further instructions on how to proceed with this complaint. 

Sincerely, XXXX XXXX XX/XX/year> Last 4 : XXXX
Product: Credit reporting or other personal consumer reports

There have been third party companies calling with my personal information about unknown debt and was threatened to sue. I tried to disbute a debt for incorrect information and was denied on that dispute. There has been inquiries of my knowledge. I get multiple calls from third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

The college I was attending abruptly closed and went out of business. The reason I was told they closed was because they were mishandling student loan monies from the students that were enrolled. They ended up filing for bankruptcy. I was enrolled in that college for 2 years and they kept every penny of the federal loans I applied for. I never had a chance to graduate or receive any type of diploma or certificate. I explained that I will not be responsible for a debt that I did n't mismanage. That was the school 's doing. They mishandle d MY loan mone y so therefore I will not be repaying back money they fraudulently stole. I applied for loan forgiveness because students from that school are/were eligible due to this whole situation. They denied me because they said I took an unexcused leave of absence which is not true. I also explained that if I were to receive the services with the outcome promised by them, I would have no problem paying the debt back but services were not rendered therefore my obligation to them is null and void. I have written and called these people on numerous occasions to remove this debt from my credit report. I have formally disputed the validity of this debt and they refuse to do anything. I want this debt erased from my credit report ASAP.