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

on XX/XX/XXXX, XXXX, XXXX XXXX XXXX reported a delinquent account i.e. XXXX on my credit report. This information was subject to an FTC investigation for indentity theft. More so, the information presented inaccurate and incomplete information.

This information violated the Metro @ coding system standards and further violated 15 U.S. Code Section 1681e ( b ) ensuring that my report maintain maximum possible accuracy to protect my consumer rights.

In support, this account failed to ; rational truth of dates, terms and amounts payable ; see following. XXXX  There's no truth that I opened any account on XX/XX/2024. I was celebrating in XXXX XXXX at this time ; XXXX. This account does not possess any Past Due amount required by Metro 2 standards XXXX. This account does not provides any delinquent payments, Late payments nor charge off codes in the payment history. Violating established banking law.
Product: Credit reporting or other personal consumer reports

I am writng to formally lodge a complaint under the Family Educational Rights And Privacy Act ( FERPA ) regarding the unauthorized access and breach of my personally identifiable information, educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Govervnmental Entities ( DOGE ). This breach constitutes a direct violation of the family Educational Rights and Privacy Act and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.
Product: Credit reporting 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 COMMISION or https : //www.ftc.gov 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

these are all, unathorozed inquires on, my credit report and are due to identy theft XXXX XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I signed up for Lenme yesterday, XX/XX/XXXX. 

I finished the sign-up process, successfully linked my bank and paid the subscription fee of {$1.00}. 

I then tried to take out a loan of XXXX and was denied " service '' with no reason given as to why. It simply said that the system could not complete my request at this time. 

Obviously I am distressed as I have provided personal information and even linked my bank and was denied service. I even paid a subscription fee and was not provided the advertised service. 

I tried contacting their customer support in-app and have not received a reply. It has been over 12 hours. I included a request for them to just delete my account AND data as well as send me confirmation that my data has been deleted. 

I still have not heard back. I have tried calling the customer support phone number but it just refers you back to the in-app support, in which they do not reply. I have essentially been robbed in my time of need and have no received my subscription money back or even a reply.
Product: Credit card or prepaid card

On XX/XX/XXXX I sent box by airmail fastest way to USA. 
The post office agent assured me two weeks delivery maximum as it was a birthday gift. Expected to arrive XX/XX/XXXX latest It is XX/XX/XXXX and package has not arrived to my niece in USA. 
Therefore, I will not pay XXXX $ for SERVICES NOT RENDERED, so I am disputing the charge I have all documentation and receipt Since XXXX XXXX has no address or email stated in their website I can not contact merchant form USA
Product: Student loan

Navient has randomly placed my account into a forbearance without my permission or via request by me. They have failed to notify me that actions have been taken on my account so that I am notified and aware of any changes to my account and it 's status. Navient has also failed to disclose timeline dates relating to when payment offers are made to when they must be accepted by.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I’ve been having the worst luck with my credit being used and my identity being stolen. My account should have a theft alert. There is yet another account being falsely placed on my credit report and I have Zero connnections with this company. The company name is XXXX XXXX For the fraud amount of XXXX. This is not my account nor have I opened An account with them. Please have this removed
Product: Debt collection

I have received debt collection letter to validate on XXXX fromThomas George Associates LTD. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX requersting {$4300.00} and have 30 days to dispute. I responded on XX/XX/XXXX Certified mail requesting all document and signed contract and invoices include thier signed contract with original creditor. They failed to provide any documents and keep responding with same 30 days notice. Repeatedly almost every 15 days keep sending 30 days notice with same threaten information ignoring all my legal requests to send me any invoices or docmunet to verify debt. I have replaied back 8 Times requesting debit validation, and asked them to stop contact me. But they ignoring my right and all the legal process. I have asked them if they are licencesd in state of XXXX to collect debt and they ignoring any request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Compliance XXXX XXXX XXXX XXXX, SC XXXX RE : Requesting a Method of Validation Dear Sir/Ma'am : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

Collection Agency : XXXX XXXX XXXX ( XXXX ) Account Number ( XXXX ) : A : ) XXXX B : ) XXXX I am certain that the item I disputed is incorrect and should be removed, so l am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute.

I am very interested to learn how your investigators arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.

Please provide the following : 1. Validation of the debt -- that is, the actual accounting.

2. Verification of a signed Invoice.

3. A copy of the Contract binding both parties ( you and them ), in a letter by " certified mail ' so that there is an independent " witness to it having been delivered. '' I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter.

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 


Very Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is coming back as verify and I have disputed this 3 Times. I don't know who these people are but its coming bk as verified. They have the same exact closing date but different balances. I need help i have been trying for months on my credit its saying i have XXXX in mortgage and i only have XXXX in mortgage.
Product: Credit reporting or other personal consumer reports

looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Experian on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledae of errors. According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify thefurnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix
Product: Money transfer, virtual currency, or money service

Submitted a payment to my mortgage lender utilizing this service requesting a status update to this payment. As the app reflects delivered, but my account on desktop reflects sent status. This information is crucial to know if my lender is intentionally delaying applying my payments. I tried to reach out to Plastiq Inc directly, but their customer service quality is severely subpar, and that's being kind. This is one of my few means of recourse.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX  Account Number : XXXX Reason : I don't recognize this account
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 XXXX Account Number XXXX Account Name : XXXX  Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX  XXXX Bankruptcy Account Number XXXX Account Name : XXXX  XXXX Bankruptcy Account Number XXXX and 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.
Product: Debt collection

I try to explain to them thats not mine but the keep declining my request
Product: Credit card

every time I make payments citi bank reduces my line of credit below my currect balance, closed two of my account
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX XXXX XXXX opened XXXX XXXX with a balance of {$0.00} XXXX XXXX XXXX opened XXXX XXXX with a balance of {$2100.00} XXXX XXXX XXXX  opened XXXX XXXX with a balance of {$5.00} XXXX XXXX XXXX  opened XXXX XXXX with a balance {$920.00} XXXX XXXX XXXX XXXXXXXX opened XXXX XXXX with a balance of {$0.00} XXXXXXXX XXXX opened XX/XX/XXXX with a balance of {$0.00} XXXX XXXX XXXX with a balance of {$1200.00} XXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$0.00} There are also fraudulent addresses that should not be reporting on my Equifax which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are also unauthorized inquiries with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the aforementioned accounts, addresses and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint ( # XXXX ) ( # XXXX ), as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Has violated my rights. 15 USC 1681 section 602 A States I have the right to privacy 15 USC.1681` section 604 A section 2 It also states a consumer reporting agency can not furnish a account with out my written instructions. XXXX. XXXX XXXXXXXX XXXX account number XXXX {$960.00XXXX XXXX XXXX XXXX number XXXX {$26000.00} XXXX & XXXX XXXX {$1100.00}
Product: Credit reporting

I have mailed in my letter advising I am not disputing anything on my credit report, however, there still remains disputes on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple fraudulent accounts, collections, and inquiries that have appeared on my consumer credit report, all of which are the result of identity theft and fraud. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that these fraudulent items be blocked from my credit report within four business days of your receipt of this complaint. The fraudulent and inaccurate information includes the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThese fraudulent accounts have resulted in unauthorized hard inquiries and collections appearing on my credit report. I do not recognize these accounts, inquiries, or collections, and they were not opened, made, or initiated by me. As evidence of identity theft, I have attached the following : A copy of my FTC Identity Theft Criminal Complaint ( Case # XXXX, A copy of my consumer credit report highlighting the fraudulent items A list of unauthorized hard inquiries related to these fraudulent accounts Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), you are required to investigate these fraudulent items, block them permanently from my file, and cease any collection activities related to them. I expect prompt action on your part to remove these fraudulent accounts, inquiries, and collections. Additionally, I request a description of the procedures used in your investigation, as well as any documentation from creditors related to these accounts. Failure to comply with my request within the legal timeframe will compel me to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory authorities. Thank you for your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of your progress in resolving this dispute. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

hello I have tried to remedy the fact XXXX gave experian, XXXX, and transunion has been reporting the history of my credit extension which XXXX understand by law is illegal without my written consent. I have never provided consent to ( company name ) to supply this information. of course in my attempts to correct this I've been ignored and refused of my rights here is the law that i've quoted for your and there reference for the matter at hand please help me to have them comply with fed regulations. 
15 USC 1681 section 501 which states that I have the right to privacy - furthermore 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions pursuant to 15 US 1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by the section 1637B of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave you or the above listed creditors any written instructions to furnish any information on my consumer report which is a violation of 15 USC 1681B credit report an agency caused severe stress and anxiety due to the abusive and unfair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX SYNCB/SAMS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX