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

XXXX - I placed a Security Freeze on my account. I received both online and emailed confirmation that my pin would be mailed within 3 business days. 

XXXX - I had not received my pin. I called and was told that the pin had been mailed that day. 

XXXX - I still had not received my pin. I called and was told that they were behind due to the XXXX breach, and that I would receive my pin in 5-7 business days. 

XXXX - I called and was told that the pin had been mailed on XXXX, and that I would have to send a written request, with all my personal info, before they would mail my pin. They also told me that I had n't called on XXXX! I asked that they offer another way for me to receive my pin, as I no longer trust their " It 's in the mail ''. They refused.
Product: Credit reporting or other personal consumer reports

I requested the following accounts to be investigated on my credit reports for accuracy and validationXXXX XXXX XXXX XXXX XXXX. These accounts have several errors and need to be deleted under the FCRA Laws requiring accurate reporting by all the bureaus and companies reporting this information. As you can see in the attached documents all the data that is not reporting accurately according to the FCRA and the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is reporting this bankruptcy on my credit report, and they have put in the Data Furnisher as being the US Bankruptcy Court Southern District of Florida which is false. I have a attached a letter from the US Bankruptcy Court Southern District of Florida verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring services nor do they verify and validate any information concerning bankruptcy. Lexis Nexis is falsely stating this information on my credit report and have yet to remove this from my credit report.
Product: Debt collection

I received notice from General Revenue Corporation that I owed a debt to XXXX University. I advised General Revenue Corporation that I dispute the debt and do not owe this money. I also advised them to validate the debt or cease collection efforts until it is validated.I further contacted XXXX University and requested debt validation. Neither company has responded to the validation request and have continued to allow this erroneous debt to remain on my credit bureau reports. I have filed further complaints in regard to the university with the Federal Aid organization, the FTC, and the XXXX. I do not owe this debt to XXXX or to General Revenue Corporation. I insist this item be completely removed from my credit report immediately and collection actions are to cease. This debt is a result of XXXX certifying eligibility for financial aid then returning the grant and erroneously billing my account for balances incurred AFTER I was notified of the error and withdrew from the school. Falsely certifying financial aid eligibility, retracting it and billing students is against federal law. I have filed complaints with the appropriate agencies.
Product: Credit card

I had a secure credit card for years which I gave {$300.00} to start the credit line. My account was closed with no email or app notice when Im signed up for paperless communication. Besides that when k paid the credit line used in full my money wasnt returned. When I called on XX/XX/XXXX @ XXXX XXXX  about it the rep told me I had to respond to a letter that was sent within XXXX  days or they would t give me my money back. Then she told me she would see if it could be given back. She then stated they would be able to return the my own funds to me!! Within XXXX weeks. Its had now been XXXX weeks and the funds have not been put in my checking account as the rep stated on the phone call XX/XX/XXXX when I called a second time.
Product: Payday loan, title loan, or personal loan

Small Claims was filed against me for this loan, when I did not sign any loans documentation/nor is my name listed on the contracts for this lending company.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX445 ( C.D.Cal. NXXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an account opened at XXXX XXXX # XXXX opened XXXX XXXX, XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. CFPB Complaint against Credit Reporting Agencies .. Consumer Name : XXXX XXXX Consumer Social Security Number XXXX Consumer Date of Birth : XXXX .This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint by the provisions of the Fair Credit Reporting Act and request that the Credit reporting Agencies remove the unauthorized inquiries reporting on my Credit File. I sent a dispute letter to each of the three major Credit Reporting Bureaus on XX/XX/XXXX, with complete attachments of my personal information as well as the FTC Report I received from the Federal Trade Commission for reporting the fraudulent activities on my Credit File. I need the following unauthorized inquiries removed from my Credit File the sooner the better XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It has been 15 days for the Credit Bureaus to validate these inquiries and I expect that these inquiries will be completely removed from my Credit File.
Product: Credit reporting or other personal consumer reports

Please remove all listed accounts from my credit report. In accordance with the Fair Credit Reporting act 15usc 168 section 602 states there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness and partiality and a respect for consumers rights to privacy. XXXX, XXXX, and Transunion are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isnt shared, which is backed by 15 UC6801 which states it is the policy of the Congress that each financial institution has enough a formative and continuing obligation to respect the privacy of his consumers and to protect the security and confidentiality of those customers non-public personnel information. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX account XXXX, XXXX XXXX  account number XXXX ( which I received my 1099C ) HWarfield account number XXXX, XXXX account XXXX. I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : 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 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 ( AN ( 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. XXXX, XXXX and Transunion whether be verbal nonverbal, written, implied or otherwise is revoked. 15 USC states that a financial institution may not disclose non-public personal information to a non-affiliate third-party unless the consumer is given an explanation of how the consumer can exercise that Nondisclosure option. XXXX, Transunion, XXXX never informed me of my right to exercise my nondisclosure option. Also please remove the Following Non-Mailing Addresses listed on the reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. XXXX, Transunion, and XXXX are not maintaining reasonable procedures 15 US code 1681 E. states every consumer reporting agency shall maintain reasonable procedures designed to avoid voilations of section 1681C of this title into limit the furnishing of consumer reports to the purposes listed under section 1681B of this title. 12 CFR 1016.7 also states that a consumer may exercise the right to opt out at any time. I am opting out of your reporting services.. If your company fails to comply, you will be required to appear in a court venue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting at the list of account below has violated my federally protected consumer rights to privacy and confidentially Collection company name : XXXX XXXX XXXX Account number XXXX Account number XXXX Collection company name : XXXX XXXX  Account number XXXX XXXX Collection Company name : XXXX  XXXX XXXX XXXX 
Account number XXXX Collection company name : XXXX XXXX  Account number XXXX Collection company name : XXXX XXXX XXXX Account number XXXX Collection company name : XXXX XXXX Account number XXXX Collection company name : XXXX XXXX XXXX  Account number XXXX Account number XXXX 15 USC 1681 section 602.a States I have the right to privacy. Section 604a also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 conviction of crimes wish antedates the report by more than seven years 15 USC 1681s2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency is the person knows or has reasonable calls to believe the information is inaccurate
Product: Credit reporting or other personal consumer reports

I'm trying to buy a house and I saw all these hard inquiries on my credit report Regions Mortgage XXXX XXXX Regions Mortgage XXXX XXXX  Regions Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the 15 USC 1681 Law there should not be any damages on my report
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

ACCOUNT WAS OPEN WITHOUT ME KNOWING
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INQUIRIES LISTED WERE NOT AUTHORIZED AND DO NOT BELONG TO ME XXXX XXXX XXXX - XX/XX/2017 CREDIT PLUS X3 - XXXX XXXX AND XX/XX/2017 XXXX XXXX XXXX - XX/XX/2017 XX/XX/2017
Product: Debt collection

I dont have this bill why they charge me {$630.00} for?? Dispute this
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

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

XXXX XXXX XXXX XXXX XXXX Balance {$9900.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$1400.00} ; XXXX, XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX NA Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXXXXXX XXXX  XXXX Inquiry : 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 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

On around XX/XX/XXXX, I sent a request to Equifax requesting them to verify the accuracy of the following accounts : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX ( REMOVED ) XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon the completion of the verification in XX/XX/XXXX, I reviewed my consumer report and still found the same inaccuracies of the above listed items. Equifax claimed they verified all accounts to be accurate through making phone calls to these creditors for verification purposes. I was not satisfied with this investigation. 

Equifax stated the accounts were properly investigated and verified, but how is it possible that there are still inaccuracies such as Date Opened, Date Last Active and Date Last Reported, no Payment History, and inaccurate comments. This is grounds for removal and they also violated my rights under the follow statute : 15 U.S.C. 1681 sec 602 A - States that I have a right to privacy. 15 U.S.C. and Section 604 A Section 2. 

Around XX/XX/XXXX a " XXXX Dispute Letter '' was sent to Equifax via XXXX mail to follow up on the XX/XX/XXXX investigate they completed, exercising my rights under the Fair Credit Reporting Act, Section 609, to request information regarding an item ( s ) that is listed on my consumer credit report. Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. Failure to produce these documents requires Equifax to delete the item from my consumer report. 

On XX/XX/XXXX, Equifax cited that through previous investigations these accounts have been verified, however they failed to respond to my XXXX Dispute Letter, failing to produce the original contract ( s ) containing my signature therefore must remove these items from my consumer report. Further more, all accounts listed are still inaccurate.
Product: Credit reporting or other personal consumer reports

Trans Union LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my XXXX, XXXX, or TransUnion credit report, and I noticed some closed collection accounts posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 
4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards,
Product: Vehicle loan or lease

I had an accident on XX/XX/2020. InXX/XX/2020 my car was deemed a total loss. My finance company is Kia Motor Finance. My insurance company is requesting a revised letter of guarantee. The finance company says they generated one in XX/XX/2020. My insurance company revised their final number and is requesting a revised letter of guarantee as of XX/XX/2020. It has been four months now, the finance company still has not generated this document for my insurance company. My insurance company is unable to pay out my claim because of this. This matter has negatively affected my credit. Is there a solution you can help me out with?
Product: Credit card

Reference Consumer Financial Protection Bureau case number XXXX. 

I am disputing the charges made to my Wells Fargo credit card account. I did not recognize the charges and asked Wells Fargo to investigate. Wells Fargo claims charges were made by the AUTHORIZED USER. AUTHORIZED USER DENIES making the charges or signing up for add-on credit card services. 

I requested that Wells Fargo produce the full documentation showing that the charges were approved by the Authorized User. Wells Fargo WILL NOT provide proof that the charges were made by the Authorized User. Under Law, Wells Fargo can only hold me liable for {$50.00} UNLESS they prove I authorized the charges.
Product: Credit card

I received an email today from Chase stating that I successfully opened a credit card account. I did not apply for any account but verified that there was a hard inquiry in my XXXX report. 

I contacted Chase and they verified that a card was applied for in my name and said that they will close the account and open their own investigation. 

I also called XXXX and requested the hard inquiry be removed. They said they will investigate and remove the inquiry. 

Also around the same time this morning I received any email saying my XXXX XXXX rewards account information was changed. I looked and saw that there was an unknown phone number in the account contact information for me. Since XXXX XXXX has a Chase credit card I think that someone used access to my XXXX XXXX account to apply. The phone number used was ( XXXX ) XXXX. This is a Minnesota area code ( I live in Massachusetts ) XXXX suggested I file a complaint with the FTC so that is why I'm here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted then on multiple occasions. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX and they continue to tell me 2 accounts on my profile is legit and was updated. But each time they do not update any information. I have contacted both creditors on the accounts and they tell me they no longer have my information or they can not find my information. So I am trying to figure out how are they getting information from the creditors when I can't get information from then.