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

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to investigate any items that resulted due to Identity Theft. Please find the required documents to assist in the investigation of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ), XXXX shall investigate any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. Please investigate this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXXXXXX  XXXX Balance Owed : {$4300.00} XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} SXXXX XXXXXXXX Balance Owed : {$4300.00} XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX  XXXX Balance Owed : {$350.00} XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX  XXXX Balance Owed : {$1600.00} XXXX XXXX  XXXX Balance Owed : {$350.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Debt collection

asked transuion to remove XXXX  XXXX  XXXX, on XXXX as this was the cause of security breach has not been removed
Product: Credit reporting or other personal consumer reports

As the Executor of the trust account associated with this account, I have the legal right and fiduciary duty to ensure that the information reported is accurate and in compliance with applicable consumer protection laws. 

To address the issue, I first opted out of the sharing of my personal nonpublic information with the company, its partners, and affiliates. As of [ Insert Date ], I rescinded my consent for the company to share any private financial data with third parties, including credit reporting agencies, in accordance with the XXXX XXXX. 

Following this, I demanded the immediate removal of the inaccurate late payment entries from my credit report. These entries did not reflect my true payment history and were causing harm to my financial standing. 

I gave the company 30 days to address both issues : To remove the inaccurate late payment entries from my credit report. 
To cease sharing my private financial information with third parties. 
Unfortunately, the company has failed to respond or resolve these matters within the requested time frame. As a result, I am now seeking your assistance to ensure that my rights are enforced and to compel the company to correct the inaccurate information on my credit report. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this dispute promptly.
Product: Student loan

I am getting at least two calls per week for the last month at my place of employment from a company in the XXXX area. Their direct office phone is XXXX but also have a toll-free number at XXXX. They are not trying to reach me on my cell, simply, calling at my work and it 's embarrassing if it is for real. They will not say what they are calling for or who they are but they keep calling. I have to take several calls per day across the country and this is tying up my line and negatively affecting my workflow.
Product: Credit reporting or other personal consumer reports

On My XXXX, XXXX and Equifax Credit Report my name and address is incorrect on my credit report. I need the incorrect names and addresses removed. Also, the XXXX XXXX XXXX amount is incorrect. I have XXXX accounts on my credit that should be removed. I spoke to XXXX XXXX by phone to try to adjust this incorrect amount on my credit. It is still not updated correctly, and I need this incorrect information removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im in the process of terminating my contract with XXXX XXXX XXXX Timeshare due to Misrepresentation and fraud. While my legal team is negotiating with XXXX, I stopped paying the monthly payments. They have been reporting on my credit and has put me in a position where I cant get credit for housing. I know there are thousands of families with the same problems. I hope this agency can get the negative reporting removed. Not only is the Timeshare been a hardship, they sold me a fraudulent contract and the following misrepresentations. 

XXXX XXXX misrepresented the reservation of the time share rooms. Any time we looked to book, there were none open for reservation. Nnable to book at any XXXX property or given any alternative. 

2 The Salesmen said repeatedly that she would be our personal agent to make any and all bookings. After multiple attempts to reach her she continued to not answer phone calls or texts to the numbers she noted 3 Paid over {$11000.00} and were never able to use any of the points assigned to us through the program.

4 The titled property was said to grow in value because of it being tittled but actually was worth less than what we purchased for when we decided we wanted out.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 15 USC 1681, Section 602a ), it is imperative to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. Equifax and XXXX, being consumer reporting agencies, interact with me as the consumer. I possess the right to safeguard my private information, as reinforced by 15 USC 6801, which dictates that financial institutions have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information. XXXX XXXX XXXX falls under the definition of a financial institution in compliance with this policy. Under 15 USC 1681, Section 604a, Subsection 2, it is stated that a consumer reporting agency may furnish a consumer report only upon the written instructions of the relevant consumer. Both XXXX XXXX XXXX and the consumer reporting agencies, Equifax and XXXX, do not possess my consent to disclose this information, nor do they possess my written consent. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise a nondisclosure option. XXXX XXXX XXXX never informed me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is being reported as adverse without my permission, which is in violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the furnishing of inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of Section 1681c and restrict the furnishing of consumer reports to specified purposes. Equifax and XXXX appear to be failing to maintain reasonable procedures. Moreover, 12 CFR 1016.7 affirms my right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services
Product: Credit card

Hi, I have had a credit card with Citi since 2000. Never been late with Citi or ANY credit card company, mortgage, auto or any kind of creditor all my life. Unknown to me, my credit card statement was switched to paperless. As I always off my cards all the time, is I do n't get a statement I do n't know what is due. My credit card with Citi had {$0.00} balance. Auto payment of {$24.00} was charged to my card and since I did n't get a statement I did not know about any charges to my Citi card. When 30 day has passed, Citi reported 30 days late. This was unacceptable because I have not had any late payment on all my credit cards. I called to complain about this issue to Citi and they switch the statement to regular but are refusing to help to clear the 30 day reporting from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Franklin Collection Services will not validate a debt that is reporting on my credit report. I have no knowledge of this alleged account or service that is reporting on my credit reports. I have reached out to them for total validation of the debt and they will not provide me with any documentation that would require me to pay them for any service. I asked them to provide me with proof that I have any legal obligation to pay them and they have not. The debt is very old and past the statue of limitaitions to collect and it needs to be removed off my credit file. Reporting a debt to the credit reporting agencies that can not be validated is a violation of the FCRA ( Fair Credit Reporting Act ).
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. This list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2. 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: Credit reporting or other personal consumer reports

I HAVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THAT SOME UNAUTHORIZED INQUIRIES REPORTING. 

REPORTING IN XXXX : 1. The inquiry was not authorized XXXX XXXX, Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

REPORTING IN TRANSUNION : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

Dear XXXX XXXX XXXX XXXX  ; MIDLAND CREDIT MNG ; I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations.

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. Please provide the following promptly : Evidence of your
authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter.

Legal basis for your collection of this information and debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges.

I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations.

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. Im trying to buy a home for my family and because of these items I am unable to be approved. I ask that the items be deleted to my credit report. I reported the theft of my identity to the federal trade commissions Identity theft Affidavit. Please delete the items as soon as possible. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian on XX/XX/2020, about inaccurate and unverifiable items on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX Balance : {$420.00}
Product: Debt collection

They keep harassing me with letters and phones calls on top of more phone calls
Product: Credit card

On XX/XX/year>, I received a call from someone claiming to be an " experience agent '', who informed me that an individual in XXXX  was attempting to open a XXXX credit card using my Social Security number. The caller asked if I would approve or deny the credit card application and whether I knew anyone in XXXX. As a resident of XXXX XXXX  with no connections to XXXX, I immediately declined the application. 

The agent then stated that XXXX of my credit cards had been compromised, with unauthorized online purchases occurring in Texas, totaling approximately {$XXXX}. They assured me they would help by closing all the affected cards. The agent read my full Social Security number to me, as well as the entire XXXX account number of each credit card. I was then asked to verify the expiration dates and security codes. 

After closing my cards, the agent provided me with a cancellation code for each one. They then transferred me to another department, supposedly to help lower my interest rates so I could pay off the balances more easily. This second individual claimed they could reduce the interest rates on all my closed cards to XXXX %, but there would be a fee of {$XXXX}. Feeling pressured and fearful that my credit would be damaged, I accepted the charge at that moment. 

The agents also advised me not to contact my credit card companies, request new cards, or attempt to reopen my accounts. However, after the call, I became suspicious and logged into my online accounts to review my credit card statuses and transaction histories. I found that all my cards were still active, with no signs of fraudulent activity in XXXX. 

Realizing I had likely been scammed, I immediately contacted my credit card issuers. Each company confirmed that there was no fraudulent activity in XXXX  and that my accounts had never been compromised. They advised me that I had likely been targeted by a scam and subsequently reported my cards as stolen, issuing me new ones with different numbers. 

Following this, I contacted the XXXX major credit bureaus and froze my credit. When I spoke with the Capital One XXXX  representative, they instructed me to email XXXX to report the incident and open a case. Initially, Capital One categorized my case as fraud but later ruled against me, stating that it did not qualify as fraud. They then opened a second case under the classification of a scam, but they have still not ruled in my favor despite the fact that I have provided a police report and an identity theft report from XXXX, both of which were faxed to them. 

I am seeking assistance in resolving this matter, as I was clearly misled and defrauded out of {$XXXX}. I have taken all necessary steps to protect my identity and financial accounts, yet Capital One refuses to acknowledge the scam and issue a resolution in my favor. 


Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX REPORTING A BUSINESS CREDIT CARD ON EXPERIAN WITH A BALANCE OF {$33000.00}. This card does not belong to me I have no association with the business and did not open the card. EXPERIAN continues to report this fraudulent account on my report even though I disputed it.
Product: Debt collection

Charged for unspecified services. Attempted to contact company in writing three times to dispute the charge and ask for an explanation. No response to my letter. Taken to collections after 3 months. No attempt to contact me about the debt.
Product: Student loan

I applied for the Temporary Public Service Loan Forgiveness Program. My loan counts are way off as they are not including payments I made from XX/XX/XXXX through XXXX of XXXX. Their reasoning is they can't find the payments and they don't have the bills I was issued. Therfore they say the payments are not eligible. How can a required student payment not be eligible.just because they can't find them? I'm sure i'm not the only person being denied this Forgiveness because the Department of Education can't keep track of payments. This is unfair and not my fault. I am distraught over this. How can it be fixed. I have called FedLoan and sent emails only to be blown off by staff. I have been making the required payments for 20 years. Tell me how to fix this?
Product: Debt collection

Improper use of my report per Fair Credit Act and Reporting Act. Bridgecrest has violated my rights under 15USC 1681section 6 a payment on XXXX states I have the privacy rights. 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written consent. Under 15 USCS 1666b may not treat a payment on an account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX Account # 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