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

I am beyond frustrated with the poor handling of fraudulent charges wrongly attributed to my Discover Card account. Despite submitting an official police report, FTC Identity Theft report, and contacting your fraud department multiple times, you have failed to adequately investigate or validate {$310.00} in charges made without my authorization. 
Not only have you reported inaccurate, unverified information to credit bureaus, harming my creditworthiness, but Discover continues suppressing this issue when I have provided substantial evidence of criminal financial fraud requiring your urgent attention. 
Your simplistic rationale that I must have made the charges since past bills were paid ignores today 's rampant identity theft risks. Over 92 % more Americans fell victim to account takeover fraud amidst the pandemic when many, like myself, faced personal trauma, job loss, and overwhelming instability taking focus away from finances. With my social security number, passwords, and other information compromised in various data breaches, it is entirely plausible my account was hacked by fraudsters. 
I am officially demanding complete statements itemizing all account charges and expect Discover to provide concrete verification like IP addresses, geolocation history, or other transaction metadata before falsely claiming charges as my own ever again. The reinstatement of unverified, disputed charges to my credit reports violates federal law. 
I have already suffered serious financial and emotional harm due to Discovers mishandling and urge this final good-faith attempt at resolution before pursuing legal action over irresponsible business practices. Please confirm receipt and provide next steps for thoroughly reassessing all unauthorized transactions.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$51.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$660.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXX XXXX, MO 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

Had auto loan with XXXX XXXX XXXX XXXX XXXX. Auto loan was in chapter XXXX BK since XX/XX/XXXX. BK was completed and discharged in XX/XX/XXXX. Account is reporting as charged off loan .Contacted credit union and was told to file dispute with Equifax . Filed disputes with Equifax 10 different times. Gets fixed for 1 month then Equifax reports as charged off account. This account was discharged as per chapter XXXX BK in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted professional credit about an account that was reported to my credit from XXXX XXXX from an alleged debt from XXXX. Since I had no record or recollection of this place, I requested an itemized statement or some sort of detail ; anything that would show me what this was for. I called them on XX/XX/XXXX and again XX/XX/XXXX for update. On both occasions I was told that they did not have any updates and that I would still have to wait until they heard back from their client as no documentation or proof of debt was provided when the account was assigned to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I was contacted by XXXX XXXX at XXXX XXXX regarding an open collections account with XXXX XXXX XXXX. The representative gave me a settlement amount on which I was lead to believe by her I would have this account deleted off of my credit reports. I asked repeatedly if this account would " fall off '' and just kept saying hmm hmm. I went ahead and paid the settlement amount for about half of the account amount. After a few months, I realized the account was still reporting to the bureaus and I called the collector to speak to a supervisor. 

XX/XX/2020 XXXX XXXX XXXX XXXXXXXX Spoke w/ supervisor Spoke with XXXX XXXX, who identified himself as supervisor for XXXX XXXX. I explained to XXXX that during my conversation with a XXXX XXXX Representative XXXX XXXX in XX/XX/2020, I worked out a settlement agreement in which I was lead to believe this settlement would result in a deletion of this account on my credit report. XXXX XXXX advised he would listen to the said phone call and would contact me back at my personal cell phone number within the hour. 

XX/XX/2020 XXXX Called XXXX XXXX due to not hearing from XXXX XXXX XXXX. Spoke with representative who stated she will ask supervisor to call me as soon as possible. 

XX/XX/2020 XXXX XXXX XXXX XXXX me back and stated he listened to the phone call from XX/XX/2020 using my phone number and that XXXX XXXX never used deleted and I explained she never clarified and explained after I asked repeatedly if the accounts would fall off my reports and then he stated that they have absolutely no reason to explain anything to me and they do not have to explain anything to me they just need to collect. I advised him I would report this to the bureaus and CFPB and he said to go right ahead. 


I have disputed this account with all XXXX major credit bureaus and XXXX XXXX then updated the account to Charge Off. They refuse to remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/2022 Balance - Status Paid, Closed
Product: Credit reporting or other personal consumer reports

Please see attached docuSFments. Do not close this cffdsomplaint stating it is not me. I am a natural person and a consumer.A
Product: Payday loan, title loan, personal loan, or advance loan

Applied XXXX ( XXXX ) for a Home Equity Line of Credit ( XXXX ) and/or Home Equity XXXX XXXX {$80000.00} with Navy Federal Credit Union XXXX NFCU ). 

XXXX. The home I requested the XXXX is fully owned by me. There is no mortgage, liens, etc. I hold a free/clear deed. 

XXXX. NFCU appraised the home at {$270000.00}. 

XXXX. My current credit score reported by all agencies and confirmed by NFCU is XXXX. 

XXXX. My monthly income exceeds {$10000.00}. 

XXXX. I have been a member of NFCU for XXXX years. Never missed mortgage, credit card, or car payment.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello, i try to fix the problem many time with the bank, about my online banking has been lock over a year. There is not reason to keep my online banking locked. 
i need to have access to my online banking but i cant go into the branch becouse i cant move, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

i just need my online banking unlocked please. 

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

I am reaching out to bring attention to the presence of fraudulent personal information associated with my identity. I have discovered that certain accounts and transactions have been falsely attributed to me without my knowledge or consent, which has caused significant distress and concern. As a victim of identity theft, I have taken immediate action to report this incident. It is imperative to address this situation promptly, as it has had adverse effects on both my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into these unauthorized activities. I am prepared to provide evidence and, if necessary, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

i am a victim of Identity theft, my personal information is being used without my consent.i have an ftc report.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX & XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX & XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # 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 that a consumer reporting agency can not report/furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I placed a credit freeze with Experian. In XX/XX/XXXX I tried to remove this freeze and I had a problem. I was told that Icould mail my passport, social security card andbank stayement copies to a TX XXXX  XXXX or upload them to the internet. I thought maybe I forgot my PIN number. I was not comfortable with those options so I ttied calling.They were not helpful at all. 
Later I found the email with my PIN number and realized it was correct and attempted to contact them again. They are very evasve and rude. 
Now yhe only option is to mail sensitive information to a XXXX XXXX XXXX in TX with no tracking This is unacceptable i have tried again to contact even on social media but to no avail. 
I have a serious medical issue and need to unfreeze my credit and I am being held hostage by Experian Please help me. 
XXXX XXXX
Product: Debt collection

OneMain Financial was trying to say that I owed them {$87.00} for an insurance miscommunication on my car being collateral on a loan I have with them. As soon as they contacted me about my insurance company not showing full coverage on my car, I contacted the insurance company and corrected the problem. This was in a 23-week period. they said I owed that amount I did not agree. Anyways, I did not pay it, but I was making my regular payments on time each month. They started calling me every day 2-3 times a day for over the month of XXXX going into XXXX. I did speak with them one of these times during this timeframe letting them know to stop harassing me and why are they calling me so much. Leaving voicemails and all. I was stress because I did not understand why they would call me over this for that amount. However, they started calling my husband as well. Within a 56-day period they had call me over 15 times. Sometime 3 times a day. This was driving up my blood pressure and also my husband was concerned at this point. Finally, after about a month, I answered the phone very reluctantly and had a somewhat heated conversation with the person from their company explaining how they were harassing me over this amount and told them to note even though I did not agree I would make the additional payment on my next schedule payment date. It took me to say this in frustration and stress for them to finally stop
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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

XXXX XXXX XXXX Section XXXX A. Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the validity of EOS CCA ( Original Creditor : XXXX XXXX XXXX - XXXX ( Collection ) account that's being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account.
Product: Vehicle loan or lease

I have reached out numerous times via phone and by mail to get a clear copy of the original contract and initial paper along with ALL Statements/Bills with no success. I am simply reaching out to them to get these documents for my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need clarification as to why you are reporting inaccurate information on my credit report. Please review the following : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX A collection is by default late and past due. 
Delete this account due to inaccurate reporting. 

After you have finished with my request, send me a copy of my updated credit report reflecting these changes.
Product: Credit card or prepaid card

On XXXX of XXXX I had locked my XXXX XXXX XXXX. In XXXX of XXXX they made an unauthorized charge to my card. I wrote a letter. In XXXX of XXXX they made another unauthorized charge. In XXXX they added interest so I wrote another letter. After that I called, the guy said he took care of it, so I closed my account. Now they keep adding interest.
Product: Debt collection

I would like to dispute the attempt to collect {$290.00} by TROJAN PROFESSIONAL SERVICES. As explained in XXXX, the dental provider had confirmed with my insurer had approved full coverage of preventive dental cleaning, prior to my treatment. The provider also confirmed, no out-of-pocket expenses was required by me, the patient. I have disputed this charge from XXXX  and they should be collecting the debt from the insurer, however the collector continues to harrass and damage my credit report. I request for this record to be removed from my credit report. Thank you.
Product: Debt collection

Today XX/XX/XXXX my husband, I and my sister in law all received calls about a car repo from XX/XX/XXXX. For starters they shouldnt be calling my sister in law and giving them any information. They left a message on my husbands voicemail that if he doesnt respond today they will have him arrested. The business is called XXXX XXXX and their number is XXXX XXXX. They said we had to pay something to them today or they would take our tax refund, garnish wages or money from our bank. We have not even received a letter regarding this situation at all. They are also repeating calling all of our numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Oportun has failed to provide how they verified inaccurate information on my credit profile. They have ignored my request to delete the negative reporting for they failure of reporting this information. FCRA, requires them to report only 100 % accurate and complete information. I am filing this again with the CFPB for the continuation of breaking the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXX and XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 You all are not stating how you are verifying the information and if indeed the information is accurate as know documentation has been shown as proof. I need this information corrected immediately as these accounts are inaccurate. 
I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have no recollection of which made me reach out to you all. 


Are you familiar with 15 U.S.C. Sec. 1681 ( a )? It states if you cant provide proof, these accounts must be DELETED. Well, I want these accounts DELETED if they are not a 100 percent right or correct. So, could you please check on these and get back with me? My lawyer stated that you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX ) XXXX XXXX # 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
Product: Debt collection

Violations 15 usc 1692C 15 U.S.Code 1692b ( 2 ) 1692b ( 2 ) - states a consumer owes any debt. If the debt has been reported this is a violation of 1692b ( 2 ) as someone is stating the consumer owes a debt within a publication.

15 usc 1692D 15 U.S.Code 1692g ( a ) 1692g ( a ) - This does not validate a debt. This simply is requirement on the debt collector.

Version 2.

AFFIDAVIT Notice, it is a fact, MY CLIENT has reason to believe and do so believes no written notice was received within five days of the initial communication between XXXX XXXX XXXX and MY CLIENT the affiant as, the first communication received from this debt collector was on the affiants consumer report with proof shown in PICTURE. This debt is unverified, does not follow the requirements and is a violation of 15 U.S.Code 1692g.
Product: Money transfer, virtual currency, or money service

I WAS SCAMMED BY PAYING USING XXXX XXXX. I PAID XXXX XXXX {$870.00} ON XXXX AND {$900.00} ON XXXX. I ALSO PAID XXXX XXXX {$1400.00} ON XXXX AND {$800.00} ON XXXX. THESE 2 PEOPLE SCAMMED ME AND THEY DID NOTHING AT ALL FOR ME. I WAS TOLD TO DO XXXX XXXX AND NOW I KNOW WHY. I HAVEN'T BEEN ABLE TO CONTACT THEM AND I TRIED WITH THE XXXX XXXX RESTITUTION AND WAS TOLD NOTHING COULD BE DONE TO HELP ME. 
I ALSO PAID A COMPANY CALLED XXXX XXXX XXXX XXXX {$790.00} ON XXXX USING MY CHASE FREEDOM CC. THIS COMPANY AGAIN SCAMMED ME AND I TRIED TO REPORT THIS AS FRAUD AND THE CREDIT CARD COMPANY DENIED THE CLAIM BECAUSE IT WAS DONE IN 2012.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some disputes that I am trying to review and Equifax once again has pulled down their dispute website page : It is happening quite frequently. If they are unable to give us reports and correct info then they certainly should not be sharing our credit information with anyone else. You can not reach them by phone either. Right now Consumers have no control to keep their credit score in tack. Scary enough what they have done and now they are stopping us form submitting on line disputes, this service is always temporarily down for service? It 's not okay! 

Service temporarily unavailable The service youre requesting is unavailable due to system maintenance. We apologize for any inconvenience. Well be back up and running as soon as possible. In the meantime, you may submit your request by mail along with any supporting documents to XXXX XXXX XXXX, XXXX, GA XXXX. You may also call XXXX including to request a copy of the results of any completed credit file dispute.