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

I am a victim of Identity theft. I live in XXXX, Florida and here the residents do not report this to the police, they told me to simply fill out the FTC report ( and I have done that ). I am getting alot of blow back by the credit bureaus and the companies on my report because I do not include a police report. I then tried to fill out a police resort in the next county to me ( XXXX  ) and that was denied because I do not reside there. I have accounts, inquiries & incorrect spellings of my name that have not gotten corrected because of my lack of paperwork. I have been trying to get this  resolved since XX/XX/XXXX. The following are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date [ XX/XX/year> OF FIRST CHARGE-OFF STATUS ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Equifax : [ XXXXXXXX XXXX XXXX  ] [ XXXX ] Subject : Dispute Regarding Response on My Account and Immediate Deletion Request To whom it may concern : I am writing to express my disagreement with your response regarding my account, which continues to contain inaccuracies. Additionally, you have now altered the date the account was closed and have been marking the charge off status month by month, which is illegal according to the law. I am therefore requesting the immediate deletion of this account, as you are legally required to provide an accurate and error-free verification, and this account contains numerous inaccuracies. 

I ask that you resolve this matter appropriately and in accordance with the law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

on XX/XX/year> i requested debt validation, they have yet to proven i own this debt and erroneously reporting this as a valid debt on my credit report.
Product: Debt collection

I have sent this company 2 letters asking to validate a debt they send me something not matching my signature. They can clearly see that based on my license. Yet they are trying to verify this debt with the credit bureau.
Product: Checking or savings account

XXXX, XXXX. XXXX XXXX XXXX. Regions bank text alert inquiring if I had written a check for {$950.00}? I responded, " No. '' Three more alerts popped up asking the same for {$1100.00}, {$950.00} ( XXXX )? I again responded, " No '' and accessed Regions online, sent a message to ( XXXX XXXX? ) to report Fraud, to Close my account, Not to Release any funds! Informed account locked. I contacted Regions security number for verification of my complaint and was told by " XXXX? '' after a lengthy hold, my account was locked, that no funds were to be released because I did not write the checks. " XXXX '' informed me XXXX XXXX and XXXX XXXX had used Regions mobile to deposit the checks. I again reiterated not to release these funds!! Went to a Regions branch the next day, was told the funds were released from my account, the account had never been closed, that Regions did not typically report " criminals, '' was an internal investigations job. Regions then locked my account permanently ( can't receive any of my allotments or review account ), complaint form left out all important details, ie., altered check number / forged signature & address, obvious cut / paste tactic to replicate a real check owned by me, and the general tone was, '' this is common, just don't write any checks anymore? '' Regions standard has always sold 3rd party checks for customers and I had to forfeit a new batch when my account was locked. Regions released my money to two identified " criminals '' after I urged them Not to on their alert system & " XXXX '' via telephone. Break in communication, no consistent security protocol to circumvent future repetitive cases with other customers, ( or myself ), employee complacency, no follow up to ensure Regions alert is updated to immediately lock account breaches upon notification. Regions mobile app does not detect counterfeit checks like the " naked eye, '' & should be discontinued until a more advanced software is developed to detect fraudsters and enabled to communicate with Regions internal systems for locking accounts immediately when alerted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  been damaging my credit report for the passes 5 years. I try to fix the proleme with them but they never cooperated.this is supposedly a 19 years that never belonged to me.I dispute this debt several times. They rejected my claim based on the fact Navient the lender confirmed the veracity of the debt. 
I believed 7 years is length of negative reporting but this debt is XXXX XXXX XXXX but they can provide me with promissory note for this debt or the last day of delinquency, which does not exist because I never pay a single dollar on this debt because it never been mine. 
Thank you XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 at XXXX hours ( XXXX XXXX ) I ( XXXX XXXX XXXX ) went to MONEYTREE, INC at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX WA XXXX, WINDOW - XXXX ( XXXX ) XXXX Transaction Number XXXX who have a contract with XXXX XXXX to wire various funds to various individuals and countries. On this specific day, I wanted to send money to my sister XXXX XXXX XXXX who lives in XXXX XXXX, XXXX XXXX, XXXX. The total amount that I wanted to send to her was {$3000.00} USD and the transaction was completed with a TRACKING NUMBER of XXXX. I was informed that I needed to call this number XXXX although I could not find this mentioned in the contract. I have made not one ( 1 ), but eight ( 8 ) calls to this number on XX/XX/2018 from XXXX hours ( XXXX XXXX ) to XXXX XXXX and each time I was placed on hold for more than an hour at a time. I did receive one ( 1 ) answer from a XXXX OPERATOR XXXX, who promised to call me back in two hours, this call has never been returned and it has been over five ( 5 ) hours ago. 
Just what the heck is going on and why is it necessary for me to call any phone number, and give the person who answers the TRACKING NUMBER and any other information that they may ask before the funds can be released to the party that I want them to go to? This is not right. I am demanding an answer as quick as you can get it to me, my e-mail address is : XXXX and my phone number is : ( XXXX ) XXXX. Thanks so very much.
Product: Credit reporting or other personal consumer reports

Identity theft see attachment. XXXX card with a XXXX balance, XXXX XXXX XXXX XXXX  with a XXXX balance and XXXX  XXXX XXXX with a balance of XXXX is on my credit report and not responsible for any of these charges.I have already submitted my police report and it attached.
Product: Credit card or prepaid card

My credit card  with Comenity/  XXXX   XXXX  was used at  XXXX   XXXX    XXXX    XXXX  on  XXXX   XXXX ,    2016 by  someone other than me. They told me that it is actually  XXXX  charges made one right after the other on the card and then shown on the card as  XXXX  charge for {$140.00}. I notified Comenity about this and was told they would investigate. Several weeks later I received a letter saying that they investigated and feel that the charge is mine and I will be continued to be billed for it. I called and talked to them at length about how I was not in  XXXX   XXXX   XXXX   XXXX  ever and did not make any charges. I also explained that I was in   XXXX   that day  (  same shopping center ) and bought something and as always in  XXXX , your card never goes thru the first time and you have to run it again. This was the second time this happened to me in  XXXX  and the first time, there were charges on my card from  XXXX   XXXX  area directly after I used my card in  XXXX   XXXX  FL. I was n't  XXXX  places at the same time  XXXX  miles apart! The credit card used that time took care of the problem. Comenity said they would investigate again. I received a letter saying that they feel this is my charge and would not remove it from my credit card. I have no idea how they can insist that I used a card in a business that I have never been in. Nor how they can explain that  XXXX  chgs made one after the other became  XXXX  charge on my card! I want copies of receipts for these " purchases '' and want to see who signed them. There has been fraud committed and at this time, I 'm not sure it was not done within Comenity by an employee, seeing they are unwilling to prove to me that I actually obtained this credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 Identity theft report was received by TransUnion to dispute and remove account on my personal credit report file number XXXX. This account was deleted on XX/XX/2023. However, the creditor reinserted this inaccurate information. This is a violation of law by Transunion. See FCRA 605B ( 15 U.S.C. 1681 c-2 ) ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency Based on the date of receipt of my identity theft report, and the date of the deletion being 4 business days apart, this item was initially blocked. First Violation Under section b. requiring notification, I, XXXX XXXX, the consumer, was not notified of the block being requested and the effective dates of the block. Second Violation Authority to Rescind - Because this item was reinserted by the creditor, Transunion used authority to rescind the block. The block was not made in error, the information was not based on a material representation, and I did not receive goods or services, or money as a result of the blocked transactions. The creditor ( XXXX XXXX ) is reporting inaccurate information regarding my personal information, specifically addresses that I am not associated with that Ive had to remove from my personal credit report. Based on this material fact and evidence, Transunions authority to rescind the block was made in error and I request this to be remedied. I have submitted another Identity theft report now that I have become aware of the amount the creditor is reporting.
Product: Credit card

In XX/XX/XXXX, I enrolled in a hardship program with Discover Financial to suspend my credit card and reduce my interest rate to 10 %, aiming to lower my $ XXXX balance after years of making minimum payments without progress. Since then, Ive been making automatic payments, but today I noticed my balance has increased compared to when I checked a few months ago. 

I called Discover and spoke with an account manager who was condescending and rude. She claimed Discover notifies me by email every month about my interest rate and balance, which is not accurate. The hardship program ended in XX/XX/XXXX, and my interest rate jumped to 29.74 %. This means my minimum payments arent even covering the interest, causing my balance to grow. 

When I pointed out that I dont receive monthly emails and that there are no statements because the card is no longer active, she raised her voice, insisting its my responsibility to monitor the account, which there is no info in my account dashboard to monitor. She became defensive and argumentative when I asked for clarification and refused to transfer me, stating shes an account XXXXanager.

Im requesting a refund for the excessive interest charged over the past seven months when the account left the hardship program without my knowledge. Additionally, I want to renegotiate a new program or have my account unfrozen if the full interest rate will remain. Discovers customer service has been unhelpful and dismissive throughout this process.
Product: Debt collection

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$140.00}
Product: Debt collection

Received notification of XXXX owed to XXXX XXXX XXXX. Contacted collection agency via email and stated debt was not mine and requested validation. XX/XX/XXXX  I received a letter in the mail that was supposed to be the debt validation. The paperwork sent has the date the account was opened and the amount owed. The signature on the contract is not mine nor does the paperwork indicate the location where the account was opened nor a copy of the identification presented/collected at the time the application was completed and the account opened. 

Whomever opened the account provided my checking account information for automatic debit of the payments. When I noticed the deductions I contacted my bank and reported the activity as fraudulent. 

That was over three years ago. I was never contacted about this account or the alleged delinquent payments until last week. 

Again I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

Reporting negative and old accounts and my credit file and/or credit report. 15 U.S. Code 1681b, credit reporting agencies, EXPERIAN, XXXX, XXXX and all, are reporting on my credit report and file without my written consent.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Equifax regarding unauthorized hard inquiries on my credit report. Despite my efforts to dispute these inquiries directly with Equifax, I have not received a satisfactory resolution. 

Details of the Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Date : XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/2023 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 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 did not authorize any of these inquiries and was not informed that my credit report would be accessed for any purpose. Under Section 604 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have unauthorized information corrected or removed. 

I have formally disputed these inquiries with Equifax, as documented in my letters. Despite my efforts, there has been no resolution, and the inquiries remain on my credit report. 

Additionally, I have reported potential identity theft to the Federal Trade Commission ( FTC ) as I suspect these inquiries may be linked to unauthorized activity.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The following are the accounts that were disputed but not investigated properly. 

XXXX Bankruptcies reported on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Southwest Recovery Service is keeping an amount of {$310.00} in collection on my credit report. I had a retail business until four years ago. I closed the business in XXXX XXXX XXXX and returned the XXXX XXXX XXXX XXXX XXXX XXXX. I have absolute proof I returned their credit card terminal. Suddenly in just the last two months this collection popped up in my credit report. I sent my proof which includes shipping label and receipt to Southwest, and Southwest said they forwarded what I sent to XXXX. I called XXXX and was told they know nothing about a four-year-old charge. I was a little irate when I called Southwest back, and since the collector didn't like my attitude, he said he would keep it on collection for 7 years. So far, they have. 
I believe all of the problem stems from my account with XXXX XXXX XXXX which is/was a subsidiary of XXXX XXXX. XXXX XXXX was charged by the Government, and may not be in business. Should have filed a class action suit when I had the chance. My acct # with XXXX leasing was XXXX. Somehow, Southwest is picking up old accounts from XXXX and trying to collect.
Product: Mortgage

Mr. Cooper/ Nationstar are able to get away with lying on your modification documents. They offered pandemic forbearance help. At end of forbearance period they sent loan modification for extension papers with my ex husband 's name on it to sign. He had.nothing to do with the loan... We have been divorced for a few years when I got this loan. He was not there and name is no where on closing documents. I've sent proof. I've filed complaints on their website ... spent hours on phone transferred to person to person. So a lot people I've talked say these people ore lying and trying to get my house. I've heard this company screws people. There is no way I can pay the lump sum. These people are forcing me into foreclosure. I just don't understand how they lie and get away
Product: Bank account or service

On XXXX XXXX, 2015 I had prepaid for a rental car {$210.00} and once I picked the car up I was charged another {$350.00}. Since I was double charged, I contacted my bank and filed a dispute against the charges and returned the rental car. I was refunded the {$350.00}, however the {$210.00} has been refunded and withdrawn from my account on three separate occasions even though I have mailed, faxed and took copies of documentation to the actual branch office. I have yet to receive the credit to my account of the {$210.00} and due to them continuing to credit and then withdrawal the {$210.00}, I have had incurred additional insufficient fund fees. I have spoken with multiple individuals, including a branch manager and have been treated terribly and received no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an identity theft report on the Federal Trade Commission website and mailed a copy to all 3 credit bureaus certified mail to report and request removal of these unauthorized accounts from my credit file. Nothing was done and XXXX XXXX keeps requesting me to validate and verify the account that I know nothing about. 

XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXXXXXX Balance Owed : {$360.00} ; XXXX XXXXXXXX Balance Owed : {$220.00} ; XXXX XXXX  **** Balance Owed : {$7000.00} ; XXXX XXXX Balance Owed : {$310.00} ; XXXX XXXX Balance Owed : {$220.00} ; XXXX XXXX XXXX Balance Owed : {$7000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, XXXX XXXX XXXX XXXX XX/XX/2023 Subject : Dispute of Late Payments on Credit Report and inaccurate information. 

Dear [ CFPB ] I am writing to dispute the late payments listed on my credit report for XXXX XXXX account number- XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX account number XXXX. I have reviewed the information provided in my credit report, and I believe that these late payment entries are inaccurate and unjustly impacting my creditworthiness. 

You are in direct violation of the fair credit reporting act. I firmly believe that you will find these late payment entries to be incorrect.

15 U.S.C 1681 section 602 ( a ). Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 ( a ) section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Remove these late payments and update these accounts immediately as you are in direct violation of several laws under the Fair Credit Reporting Act ].

I trust that you will handle this matter promptly and with the utmost care. As per the Fair Credit Reporting Act ( FCRA ). Failure to address this dispute adequately within the prescribed timeframe will leave me no choice but to seek legal assistance and file a complaint with the appropriate regulatory bodies, as provided by the FCRA. 

Thank you for your assistance. 

Sincerely, XXXX XXXX