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

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 Items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items 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 are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} ; XXXX. XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$62.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

I have continuously requested for debt validation and verification from this company. They have used tactics that reflect their noncompliance with my request
Product: Credit reporting or other personal consumer reports

XXXX XXXX claimed they charged off the accounts but also gave me a time frame to make the payments before the accounts went to charge off I have emails and letters to prove this. Also I am writing to formally dispute the reporting and handling of my account with XXXX XXXX ( Account Number : [ Insert Account Number ] ). Your company has reported this account as charged off, yet you continue to send me correspondence demanding payment. Additionally, you have failed to issue a XXXX Cancellation of Debt form, as required when an account is deemed uncollectible or charged off.

This situation raises serious concerns regarding compliance with both federal and Ohio state laws. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681s-2 ), any information reported to credit bureaus must be accurate, complete, and not misleading. Reporting this account as charged off while simultaneously pursuing payment creates an inaccurate and inconsistent narrative that violates this requirement. Furthermore, failure to issue a XXXX under these circumstances may constitute noncompliance with IRS regulations ( 26 U.S. Code 6050P ), which mandate that creditors report canceled debts of {$600.00} or more. 

Ohios Consumer Sales Practices Act ( Ohio Revised Code 1345.01 et seq. ) prohibits deceptive or unfair practices in consumer transactions. The ongoing attempts to collect on an account you have reported as charged off mislead me and potentially other consumers regarding the true status of the debt. 

In light of these discrepancies, I am requesting the following : 1. Verification of the status of the account. If the account is legitimately charged off, you must cease all collection activities and issue a XXXX form for the canceled debt, as required by law. 
2. Immediate removal of this account from my credit report if you can not verify the accuracy of the charge-off status.

3. A written explanation of why you are continuing to demand payment despite claiming the account is charged off.

Under Section 611 of
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, I've filed disputes via Experian 's web portal regarding incorrect names, incorrect addresses, incorrect employers, Experian pulling my report without my consent 2 to 3 times each month which caused my FICO Score to drop XXXX points, and the email I received states they can not review/correct my information without me sending them copies of my passport, my state issued ID and copies of my utility billings and or insurance billings. What does their request have to do with Experian pulling my credit report 2 to 3 times each month so that my credit score continually drops with each of their pulls? ( XXXX point drop in XX/XX/XXXX ) I've already provided Experian with my Social Security Number, my address for the past 6 years, my Date of Birth and my Full Legal Name. Not all of my requests for Experian to correct the incorrect data in my file, have been completed nor have they reinstated my FICO Score. I also want my FICO Score back to XXXX as of XX/XX/XXXX, which is where it was prior to ALL of Experian 's inquiries on me - Experian should not be allowed to go into my credit file and drop my score, XXXX to XXXX times a month. And I shouldn't have to purchase their XXXX product to stop these inquiries by Experian. I'm not delinquent with my creditor ( XXXX ) nor have I ever been late making a payment, nor have I paid interest to a creditor since prior to XXXX with the exception of my mortgage. My debt is only 3 %. So again, please put my FICO Score back into the XXXX 's- which is where I was prior to Experian 's constant inquiries. Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Experian in XX/XX/XXXX. The dispute included documentation that proved the items were incorrect and a request was made for an investigation and for the removal of the invalid information. After 30 days, no response was received from experience, therefore I resubmitted the exact copy of the dispute along with the supporting documentation that the information reported was incorrect and another request was made for the information to be removed, this time the request was made that all the information be removed because experience and had violated the fair credit reporting act and failed to respond with any sort of indication an investigation had occurred. The second request was sent out certified return receipt. As of this date, experience and has still failed to respond to the disputed information and continues to show the information on my credit report causing irreparable damage to my credit score and ability to obtain credit. In accordance with FCRA Statutes, when a dispute is submitted, the credit reporting agency has 30 days to perform its investigation from the XXXX receives the letter. If it does not receive a response within the 30 days, it must remove the file completely. In the event information is received about the particular disputed items, the credit reporting agency is required to inform me who they specifically spoke with, a name and contact information and the manner in which the information was validated. Because the credit reporting agency mailed to respond within the 30 day period, they are bound statutorily to remove all of the disputed items since they never responded since XX/XX/XXXX. They can not use codes to validate the disputed itens, they must require the creditor who reported the information to substantiate that the information reported is indeed valid by providing copies of contracts or other legal documents which would provide proof that the accounts specifically belong to me. This credit reporting agency has clearly violated my rights and continues to do so causing great financial burden as I am unable to apply for credit in any for due to the incorrect informnation they are reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 unauthorized hard inquiries reporting on my XXXX and Equifax Credit reports from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE RANDOM INQUIRIES REPORTING ON MY CREDIT REPORT WITHIN 4 DAYS 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: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated them without incident. I also contacted the furnisher and they agreed to REPAIR the account in my file. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXXXXXX XXXX XXXXXXXX
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 : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or 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

These accounts do not belong to me and I'm demanding that they be removed from my credit file. 

1 ) XXXX XXXX XXXX XXXX {$4200.00} 2 ) XXXX XXXX XXXX XXXX {$5800.00} 3 ) XXXX XXXX XXXX/XXXX {$4000.00} 4 ) XXXX XXXX XXXX/XXXX   {$3500.00}, please block the above accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting Prestige Financial Services late payment over 7 years. FCRA states you can not report a negative rating for longer than 7 years. XXXX has been reporting late payments for longer than 7 years and is refusing to remove the accounts from my credit report. I have repeatedly disputed this information and XXXX is refusing to remove this account from my credit report. Reporting a late payment longer than 7 years goes against the guidelines of FCRA. XXXX states this account is scheduled to come off in XX/XX/XXXX and they have been reporting late payments since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is not showing up correctly on the the credit report. I see multiple addresses on my credit report. My full date of birth is not reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a XXXXhird party of any kind. I looked at my EQUIFAX credit report recently and found some inaccurate reporting on my credit report. I wrote EQUIFAX a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. XXXX is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist with account name : INQUIRY - XXXX - XXXX  - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX I have never been late on this account. please correct inaccuracies in payment history... Attached is the letter i wrote to EQUIFAX in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Product: Credit card

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : BEST BUY/CBNA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One # XXXX is reporting a charge off on an account that was included in my Chapter XXXX Bankruptcy Docket #  XXXX. This account should not be in my credit report as it was included under my bankruptcy. I would like this to be removed as it violates the Fair Credit Reporting act.
Product: Checking or savings account

I need to link my account with different creditors for proof of funds depositing to and from account and this has been restricted.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i applied for a car loan on XX/XX//18 and the company told me there was a fraud alert on my credit report Equifax, The date of birth was incorrect. i have called numerous times, they asked me to fax my birth certificate, SS card and drivers license to a given fax number, i did this over the course of the past 4 days and they said they do not have my information, i have faxed over 20 times. they will not let me scan to any certain individual or talk to the mail room where they say the faxes come in at, they can not tell me if they ever received it or they said it may have been illegible and they shredded it but no one can tell me anything and no one will help me make sure someone is receiving my faxes. they said they are in the XXXX and the fax is in XXXX, GA but there is no one in XXXX i can talk to so i can confirm my fax is getting there. This is very frustrating all i want is someone to confirm getting my fax and that everything is legible to be put into the system. 

thanks XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of concern regarding the reporting of my educational records, specifically the transaction history, to credit reporting agencies. This action by AIDVANTAGE, is a clear violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) of 1974 and the Privacy Act of 1974. 

FERPA, codified at 20 U.S. Code 1232g, protects the privacy of student education records. Under FERPA, educational institutions that receive federal funds are required to maintain the confidentiality of student records and can not disclose personally identifiable information without the student 's consent. Moreover, the Privacy Act of 1974 explicitly states that the term " record '' means any item, collection, or grouping of information about an individual that is maintained by an agency, including but not limited to his/her education, financial transactions, medical history, etc. Transaction history pertinent to educational loans or financial matters, falls squarely within the realm of protected information. As a student loan servicer/custodian of these records, AIDVANTAGE  is bound by FERPA regulations when handling my account information. 

I have reviewed my credit report from XXXX, XXXX and XXXX and noted that my account information, pertaining to my student loans serviced by your organization, has been reported to credit reporting agencies. This action appears to be a violation of my rights under both FERPA and the Privacy Act. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. 

I am demanding that you cease reporting my account information to all credit reporting agencies, as required by law. Furthermore, I expect confirmation that my account information has been removed from XXXX, XXXX and XXXX and all other credit reporting agencies. 

Due to such negligence this issue necessitates the intervention of the Consumer Financial Protection Bureau. I am seeking not only accountability for AIDVANTAGE  's actions but also compensation for the financial damages and emotional distress incurred due to their XXXX reporting activities. I kindly request that the CFPB investigate this matter thoroughly and take appropriate actions to rectify the violations committed by AIDVANTAGE. Failure to comply with these legal obligations may result in further action to protect my rights under federal law. 

Thank you for your prompt attention to this matter. I anticipate your cooperation in resolving this issue in accordance with the applicable laws and regulations.
Product: Credit card

I spoke with my credit card company, and told them that could not continue to charge me a late fee {$41.00} monthly, and that this law was past this XXXXXXXX XXXX XXXX. 

The supervisor said that they will continue to charge late fees if I am late. Something/someone need to look in the practices of this credit card company. 

The credit card company is Total Visa.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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
Product: Credit reporting or other personal consumer reports

I am contacting you regarding fraudulent personal information that has been wrongfully associated with my identity. Unauthorized accounts and transactions have been falsely linked to me without my knowledge or approval, causing me significant distress and concern. I have been the victim of identity theft and have already reported this incident to the proper authorities. It is imperative that this matter be addressed promptly, as it is severely impacting my financial standing and personal reputation in a detrimental way. 
I respectfully request your full cooperation in swiftly removing all fraudulent information from my credit report and conducting a comprehensive investigation into how this occurred. I have documentation prepared to provide as supporting evidence, and I am ready to pursue legal action if necessary to uphold my rights and seek appropriate compensation for this violation. 
Your urgent attention to resolving this serious issue is greatly appreciated. Please act swiftly, as allowing this fraudulent information to remain poses tremendous risk to my credit and personal identity security
Product: Payday loan, title loan, or personal loan

The Title loan company Wheels Financial Group, LLC dba LoanMart has not been licensed in the State of Florida XXXX XXXX XXXX XXXX for 20 years and they are acting illegally as a service provider for XXXX XXXX XXXX in Utah. They're trying to collect on a voided loan due to the company 's non-compliance with the Florida Title Loan Act.