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

I am writing to address a serious matter regarding inaccuracies in my credit report that have arisen due to identity theft. Despite my previous attempts to rectify this situation, it has come to my attention that the erroneous items have not been removed as required by law. 

Under section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated that any items found to be opened due to identity theft must be promptly removed from my credit report upon receipt of an FTC fraud report. As such, I have submitted the necessary documentation to support my claim, yet the fraudulent accounts listed below remain on my credit report : These accounts were opened without my consent or knowledge, and I am adamant that they be removed from my credit report immediately. 

In accordance with the FCRA, I am giving you formal notice that if these items are not removed within the next four business days, I will be left with no choice but to pursue legal action. My intention is to resolve this matter amicably and without the need for litigation. However, I will not hesitate to involve my attorney if necessary to ensure compliance with the law. 

Furthermore, if you claim that these items are 100 % accurate and verifiable, I demand that you provide me with copies of any documentation associated with these accounts that bear my signature. As I know no such documentation exists, I expect that this information will be promptly deleted from the credit file associated with my Social Security number. 

I urge you to take immediate action to address this issue and prevent further harm to my credit and financial well-being. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXX XXXX : {$4800.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$46000.00} XXXX  XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Diaz and Associates XX/XX/year> {$1600.00} XXXX XXXX XXXX XX/XX/year> {$1200.00} XXXX XXXX {$210.00} I have not received any requested documents. 
I requested to see my the signature that I put on a contract guaranteeing that I would pay this creditor on the debts above. I also did not received any info for chain of title to collect on this debt for each creditors listed above. Nor I did not get a detailed history of payments that I made on these accounts listed above. I also requested to know if there has been a insurance claim on these debts.
Product: Credit reporting

XXXX address in XXXX appears in my known addesses- I have never lived or used a XXXX tgere
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXXXXXX XXXX  - XX/XX/year> - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX, XXXX, and Equifax have 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 an 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 or 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 data is inaccurate.
Product: Checking or savings account

I called XX/XX/2020 about an unauthorized transaction on XX/XX/2020. Merchant name is XXXX. Took {$250.00} out of my account and I do not have any involvement with this merchant nor have I ever had an account with them. My card has been used without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Reporting agency failed to protect and keep secure my personal information allowing it to fall into the hands of unknown individuals. In addition Equifax failed to notify and report the breach in a timely manner to try and mitigate damage, instead allowing their stock holders to liquidate assets before the company took a hit. 
Rather than fixing and owning up to the mistake, Equifax has created a website that is randomly generating yes no answers on whether the breach has affected you, and is offering monitoring service to keep your identity safe from Equifax itself.
Product: Bank account or service

We deposited a escrow refund check into our Citizens checking account. It pended for two days, before the funds were released. Two days later, they withdrew the check without warning claiming it was invalid. Not only did Citizens charge our account a fee for the returned check, but Citizens also charged us overdrafts fees. After calling Citizens ' customer service, the were " kind '' enough to credit the return check fee and XXXX of the XXXX overdraft fees. We lost over {$250.00} in fees that were clearly not our fault. We made several attempts to recover the fees, but Citizens will not cooperate. Their customer service department said they were being " generous '' by crediting the little amount they did.
Product: Credit reporting or other personal consumer reports

View attached 2 files, JPMorgan illegal credit activities, illegal mortgage activities, cooking be books activity. 

This information about this credit card is disputing accuracy of information or completeness, and with the criminal activities of JPMORGAN make this company complicit in misbehavior. Needless to say very suspicious of this conviction with JPMorgan reflect in this card as illegal activity, who now is responsible for burden of proof? 

This is of grave concern, the allegation could lead to an independent claim and reference these similar convictions. 

Or you could remove this alleged debt that has subsequently already been paid 3 times now, is XXXX XXXX XXXX and should be removed.
Product: Credit reporting or other personal consumer reports

I got a credit denial letter in the mail at an old address where I can still receive mail, from chase bank. I called customer service on Sat XX/XX/2023 to get information to file the dispute as it was a fraudulent application. They could not tell me any information and advice I visit a branch. I visited a branch around XXXXXXXX XXXX XXXXXX/XX/XXXX in XXXX Ky, they could not find record of the account and gave me a packet with a number to call their ID theft department. I call this number they submit dispute for the credit inquiry but said they could not give me the information from the application and that she had to transfer me to another dept that could give me the information I was requesting. Which I have a right to under the fair credit reporting act. That number tells me that they can not provide that info to me and was trying to direct me to online. I requested a supervisor and she denied me that request and told me to call ftc they could give me the info and provided the phone number. FTC said that was incorrect and they could not provide that info that chase had to provide that. She referred me to file this complaint. I am being denied the application I supposedly applied for. I'm being denied the information used in the application. Denied information on whether it was applied in a branch or online.
Product: Money transfer, virtual currency, or money service

I was aware of the recent information of cash apps lawsuit and how they may potentially have our information and potentially get my info stolen. Ive had problem before where my account would charge me without me knowing or trying to purchase anything many times. As this wasnt recent because ever since I havent used cash app but this makes me feel very troubled about my identity and my information when I used this app.
Product: Debt collection

Best Buy is original creditor. Last purchase was on XX/XX/XXXX. Last payment was on XX/XX/XXXX. XXXX XXXX and XXXX acquired on XX/XX/XXXX. XXXX XXXX and XXXX hired law firm XXXX XXXX XXXX ) to sue me. XXXX XXXX XXXX signed Default Judgement on XX/XX/XXXX. Based on this information XXXX XXXX and XXXX, XXXX XXXX, XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX; all violated my rights and the following laws : violations of Section 392.307 of the XXXX XXXX XXXX : Failure to Notify the Consumer of the limitations period has expired & Title 12, Section 1006.26 of the Code of Federal Regulations : New rules from the XXXX Consumer Financial Protection Bureau prevent debt XXXX from suing or threatening to sue over time-barred debts. I formally request that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, State of Texas XXXX XXXX XXXX XXXX XXXX stop any and all attempts to collect on this debt, rescind/vacate/set aside ( cancel ) Default Judgement immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX acted in bad faith and failed to notify me of the statute of limitations while the law suit was at court.
Product: Credit reporting or other personal consumer reports

LCI Consumer Center at needs to be deleted from your records immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Description : Individual Individual Individual Account Rating : Late30Days Late60Days Late30Days Account Status : Closed Closed Closed Account Type : Revolving Revolving Revolving Balance Owed : {$14000.00} {$15000.00} {$14000.00} Closed Date : -- -- -- Credit Limit : XXXX XXXX XXXX Creditor Remarks : DISPUTE RESOLVED - SUBSCRIBER DISAGREES ACCOUNT DELINQUENT 60 DAYS PAST DUE DATE -- Creditor Type : XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX Date Reported : XXXX XXXX XXXX Date of Last Activity : XXXX XXXX XXXX Dispute Status : XXXX XXXX XXXX High Balance : {$15000.00} {$15000.00} {$15000.00} Last Payment : -- -- -- Last Verified : XXXX XXXX XXXX Past Due Amount : -- -- -- Payment Amount : {$370.00} {$370.00} {$370.00} Payment Frequency : -- -- -- Payment Status : Late30Days Late60Days Late30Days Term Length : -- -- -- Loan Type : CreditCard CreditCard CreditCard XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account Description : JointContractualL iability JointContractualL iability M
Product: Credit reporting, credit repair services, 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. The last letter I sent to the Experian and XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXXXXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$57000.00}.
Product: Debt collection

My name is XXXX XXXX and I am submitting this complaint due the abusive practices of Wakefield. I am not under the influence of any third party or agency
Product: Credit reporting, credit repair services, or other personal consumer reports

exercised right to rescind the contract due to XXXX XXXX fraud and breach of contract evidenced CONSUMER FINANCIAL PROTECTION BUREAU case and complaint id # XXXX as evidenced on the records, i.e. credit reports, fraudulently -- no lawful nor legal consent was given -- created and stored by the accomplices and accessories XXXX XXXX aided and abetted, in disregard to the laws, XXXX XXXX has criminally and publicly committed fraud, defamation of character and libel crimes while, again, aiding and abetting, which is another crime, third parties, i.e. XXXX, XXXX, and EXPERIAN, all of which are accomplices and accessories -- by way of negligence or not -- to assist in carrying out the unlawful and illegal offenses, crimes and violations against XXXX XXXX and causing severe personal injury and damages to XXXX XXXX and authorized representatives.
Product: Credit reporting

Challenge an unfavorable section or oversight on my credit report. I am for the most part unsatisfied with CRAs reporting mistaken information, and other. XXXX archives/attach.
Product: Student loan

When the Care Act was passed XX/XX/2020 to suspend payments and interest on student loans. Navient said that I could only have 3 mos of forberance. Where as the Care Act was saying 6 mos of forbearance with the last update as of XX/XX/2020. Why are they saying I have 30 days left on forbearance, instead of XX/XX/2020? Please reply as soon as possible on this matter. 
Thanks XX/XX/2020 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not providing any means to acquire my credit report as required by law. I have attempted to request my report through the tool for free annual credit reports website, through another credit reporting agency 's all-in-one paid feature, and directly through their website. 

Equifax 's website features appear to be de-funct. Several items on my report summary are inaccurate and the accounts have a "? '' with an unidentified creditor name. I am unable to view or dispute any items on the Equifax website. Although their website states you can also request your report by mail, the required form attachment is not a pdf as indicated. The form is not ADA-compliant and the form 's program is unrecognizable to my computer and unable to download. 

Equifax 's on-line verification process does not provide options consistent enough to verify my identity. I have been asked questions for identity verification where none of the answers are correct and there is no option for " none of the above ''. I am a former XXXX employee whose information was previously hacked and it is extremely important to me that I am able to access my credit reports to insure my identity has not been stolen. I do not understand why Equifax is allowed to operate in this manner and make it so difficult for consumers to access their credit? Are n't they required to provide an accurate means for consumers to access and dispute adverse information?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with WELLS FARGO BANK CAR. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX  and WELLS FARGO BANK CAR with no successful resolution. There was definitely an error on their part.
Product: Credit card

I was denied a line of credit with Affirm via XXXX. The credit card report and score used was incorrect. My score is not XXXX nor or any of these factors true : XXXX. SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED XXXX. RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV XXXX. ACCTS TOO HIGH TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED XXXX. PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH My credit score is in good standing. The information was retrieved from XXXX. Their information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$32.00}, {$600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32.00} -This is not my account. 


-- OTHER ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$600.00} -This is not my account.
Product: Vehicle loan or lease

The GM finance said that my last payment was made on XX/XX/2019. So they stated that I have not made a payment in 3 months. I have automatic deduction from my checking account. Ive paid automatically online for the last 3 years, why would it not take auto deduct the last 3 months before the lease ends. This is there online website error. Not my fault. I did not know I was not paying the car payments. No email was sent to me. Or no letter of late payment was mailed to me. I recieved phone calls but it sounded like scammers calling. They did not sound professional. So my car was repoed and I had to pay {$600.00} for the car to get it back in my care. Plus the 3 months of not paying the car loan, which I didnt know was not collected. My excellent credit is now ruined from this error on their website.
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. 

XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C. 1681 section 602 A. Status I have the right to privacy 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report counting 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.Cs-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

This is XXXX XXXX who is submitting this CFPB complaint myself. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section XXXX and according to FCRA XXXX XXXX. I have done many attempts to reach out to Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( XXXX XXXX )
Product: Debt collection

I hope this letter finds you well. I am writing to express my concern and disappointment regarding the recent experience I had with your bank. I appreciate the services provided by your esteemed institution, but unfortunately, I encountered a situation that has left me dissatisfied. I believe in the professionalism and competence of your bank, and I understand that errors can occur occasionally. However, it is crucial for customers to receive accurate and comprehensive information, especially when it concerns their financial matters. I kindly request your prompt attention to this matter and a thorough investigation into the misinformation provided. Moreover, I would appreciate it if you could take the necessary steps to ensure that such incidents do not recur in the future. 
XXXX - XXXX XXXX XXXX XXXX BANK XXXX If there are any specific procedures or channels I need to follow to rectify this situation, please provide guidance accordingly. I value my relationship with your bank and hope that we can resolve this matter amicably.
Product: Debt collection

I spoke to the original company with DEBT and they said that the TRADELINE HAS been DELETED for that supposed debt. According to the original debt company the TRADE LINE was already deleted and no one after that should be contacting me that I owe a debt. When none of the information on file for that debt collector for me was inaccurate. But according to DEBT RECOVERY SOLUTIONS IN NY, I still owe the money to the original debt company. I told them I found out about the debt bc I am getting ready to buy a home and the individual from that company told me " I WILL NOT BUY ANYTHING TILL I PAY THEM OFF FOR THIS DEBT '', the individual that I called was harassing me bc I will not be able to buy the home am looking to buy bc of this debt. He also told me that he knows what happen bc I did not know the address he had on file for this debt, he was saying that I did all of this and that he already heard all the excuses so that whatever I said was not true at all. When I told him I was not even in the state during that time frame of the debt and not to mention the address they have on file I do not even know. I forwarded DEBT RECOVERY SOLUTIONS the letter from XXXX the original debt company that the TRADELINE has been deleted.
Product: Debt collection

In  XXXX  of  201  7, when attempting to purchase a car, I learned that Orion Management Group, purchased an old debt, original cr editor,  XXXX   XXXX , in  XXXX   2017 . Initially, I was not sure w ho Orion w as, it just appeared on my credit as a debt of over  8000.00 do lla rs ( incorrect amount and over the amount of original debt ). I did a   XXXX   search on Orion a nd called them on  XXXX   XXXX ,  2017-the office  was closed. However, this is when the harassing phone calls began as they retrieved my number from caller ID when I called them on  XXXX   XXXX ,  2017  in an attempt to gather more information.     Since  XXXX   XXXX ,  2017 , I have received multiple calls stating that they have attempted to serve me with Court papers and if I don not respond I will possibly get arrested-each time this call has transpired I have actually been home and no one has showed up with Court papers.     Today,  XXXX   XXXX ,  2017 , I received a call as well as my mom, stating our property is in jeopardy and we MUST respond or it will be transferred to local jurisdiction.