23daVinci/CFPB_Complaints huggingface dataset:
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 : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$6900.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX  XXXX Balance Owed : {$750.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 or other personal consumer reports

I am writing to formally dispute an item on my credit report and request that you investigate and correct the information in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, which requires a credit reporting agency to investigate any disputed information on a consumers credit file. 
I have recently reviewed my credit report and identified [ describe the specific item ( s ) you are disputing, such as an account, balance, or error ]. This information appears to be inaccurate, incomplete, or unverifiable. Under 15 USC 1681i, I am entitled to request a thorough investigation of this disputed information. 
I need physical documentation evidence that a thorough investigation was conducted on my behalf. In addition, Equifaxs actions may also violate the Consumer Financial Protection Act ( CFPB ). 
As required by law, I request that you complete your investigation within the 30-day time frame as outlined by the FCRA and provide me with the results of your findings, including a copy of my updated credit report once the dispute has been resolved. 
Furthermore, as per 12 USC 5536 ( a1A-B ), I expect that you fully comply with the regulations surrounding consumer rights and avoid practices that may mislead or misinform me as a consumer. I trust that you will adhere to all statutory guidelines, ensuring that the accuracy of my credit file is restored and that all consumer protection rights are observed. 
Please find attached any relevant documentation supporting my dispute. If you require additional information or documents, kindly inform me promptly.
Product: Credit card or prepaid card

When we opened an LL Bean Visa Card 15+ years ago. We did it in my wife 's name. I was an authorized user. The income to pay the bills came from my salary and I wrote the monthly checks to pay in full our monthly Visa charges. My wife died on XX/XX/XXXX. On XX/XX/XXXX I notified Barclaycard of her death and asked to have her name removed and mine listed on the account. They said that they could not do that and that I would have to open a new account, which they did. However when they did because the credit history was in my wife 's name, and I had no credit history they would have to lower my credit line from {$9000.00} to {$2500.00}. We had a private loan for our fully paid mortgage and the only other credit card we had was XXXX and that was for only a short time. Our excellent credit history was no longer credited to me. Recently I shared this situation with a friend who was a retired bank auditor and he said that is illegal. " Designation of Accounts-12CFR 1002.10 ( a ) A creditor that furnishes credit information to a consumer reporting agency must designate : *any new account to reflect the participation of both spouses if the applicant 's spouse is permitted to use or is contractually liable on the account. Recently Barclaycard has increased my credit limit. ( I pay my bills on time ) However I still have no credit history. That is not fair! and it is illegal.
Product: Student loan

Consolidated loans after graduation XX/XX/2016. Had set up up automatic repayment options. Thought they were taking out payments. Every month I would sign into Navient and try to make a payment however the monthly statement said XXXX for nearly a year I struggled to get them to accept payment. This caused interest to accumulate on my account that my whole payments were being applied to interest. I made several payments where 100 % of my payment went to interest nothing to principle bc they have XXXX statements. Still my statements claim I owe XXXX. But after confronting them, they finally started automatically applying my XXXX payment to my account. Total Ive paid in extra on interest because they would not accept payments. Then randomly they finally autodrafted the payments that I had been requesting to come out. This has resulted in capitalization of interest that I tried to to not have happen. Its wrong that they have been allowed to steal nearly XXXX dollars in interest because they refused to allot account balance. Ill be paying off student loan debt longer because of these miscalculations on their part.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXXXXXX XXXX XXXX XXXX  ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

Please remove, block or provide me with your investigation results in written form through the USPS for this account : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion has the following accounts on my Credit Report that they will not remove. See the Attached FTC report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These are not mine.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Intent to Sue Unauthorized Reappearance of Accounts To Whom It May Concern, I am writing to dispute the unauthorized reappearance of several bank accounts on my credit report. These accounts were previously removed, and their reappearance is both erroneous and damaging to my credit profile.

The account in question is as follows : - XXXX XXXX This unauthorized action has caused significant distress and potential financial harm. I demand the immediate and permanent removal of these accounts from my credit report. Failure to do so will leave me no choice but to pursue legal action to protect my rights and seek damages for the harm caused by your negligence. 

Please consider this letter as my formal notice of intent to sue if the aforementioned accounts are not removed promptly. I expect written confirmation of the removal within 15 days of receipt of this letter. 

Thank you for your immediate attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Im seeking your help to address the incorrect account listed on my credit report. This matter has severely impacted my reputation, and I require your assistance. The misreporting on my credit report has caused great hardship, and I need these errors corrected to restore my familys peace.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I have received an alert on Credit Monitoring application that stated the Consumer Adjustment just flagged my credit report with 3 unknown debts of {$230.00}, {$340.00} and {$650.00} to all 3 credit repotting agencies.This is out of network charges that I never received notice.This is a violation of my rights under the No Surprise Act of 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to work with XXXX ( along with Transunion/XXXX  ) to remove inaccuracies within my credit report, and they have continuously refused to even investigate my claims. Each time, I receive a bogus, auto-generated response - even though I am sending PROOF that the claim is valid. 

Please see their email response below : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumer 's file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with XXXX for free '' There is NO law that states a consumer can not use a third party, so using that as their excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. Even so, I have sent these letters myself now on 4 occasions.. the companies are ruining people 's lives and are not being held accountable. Thank you in advance for looking into these issues.
Product: Student loan

Applied and Completed application with Ameritech ( XX/XX/XXXX ). Company initially charged a fee of {$88.00} in the first month ( XXXX ) and then three payments of {$280.00} in each of the next three months. {$99.00} was charged monthly until membership was cancelled ( XX/XX/XXXX - monthly Ameritech fee already withdrawn ). Customer noticed that while making the payments to Ameritech balance of federal loan was not influenced by amounts paid to Ameritech. During the courting process, agent working for Ameritech did reveal that monthly payment would be lower but did not accurately nor thoroughly described what services they were providing, namely enrolling customer in repayment plans. Agent did not mention that the fees Ameritech would withdraw do not directly go toward the balance of the federal loan.
Product: Debt collection

I already took care of what the credit card company wants in return. So tell this stupid collection job company of what they are trying to do which is collection fee 's interest. I already took care of what needs to be done. It's been taken care for about a year already. Back off I'm taking care of it already for a year now. The debit is to XXXX XXXXXXXX not collection I was told to take care of it before it went to collection and I did so take them off my credit report and stop mailing me fraudulent letters seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts There is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX  XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  XXXX Account Number : XXXX Delete this account. 
there is some inaccurate information reporting. 
Employer is not ; XXXX Address is not mine XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently looked over my credit report and I detected some accounts that do not belong to me but are being reported on my credit file. I have no knowledge of any of these derogatory accounts. I also have no understanding of how someone or who would have access to my credit. Now because of this, there is no possibility of me obtaining any new credit. Please perform a re-investigation into this problem and have those derogatory accounts deleted from my credit file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Type of disputed information : credit card Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 2 Account Number : XXXX Account Name : XXXX XXXX Type of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Type of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : XXXXm the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Type of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Type of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX of disputed information : collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved a credit alert that my synchrony XXXX account was past due on my credit report. This account was on autopay so it should not have gone past due. The last {$28.00} was never deleted from my account. I also never recieved a call or notice that I was past due.
Product: Checking or savings account

On XX/XX/XXXX I opened a checking account on Chase Bank in XXXX XXXX XXXX  XXXX in XXXX Rhode Island. Aproximatedly one week later I received the ATM card. When I tried to pay with the Debit card it didn't go through and at the ATM machine I got a Restricted funds message. I received a letter from the bank saying that I needed to verify the Social Security Number. On XX/XX/XXXX in the morning I went to Chase Bank and completed the Social Security verification process and was told that I would have access to the money on that afternoon after 3 PM. However, today on the XXXX of XXXX XXXX XXXXays after I still don't have access to the funds deposited. But also yesterday I check my account on the Internet and there is no balance. Also the retirement appears as a Debit Check Charge when I have not have access to my account. I wrote to the Branch Manager and he said the they had to take the money out what I find very irregular to do that without my consent, however he told me they would be available today and they weren't, the account balance is still XXXX dollars as evidence by the photo attached. It has been more than two weeks that i opened the account and deposited all the money I had, I am a student and depend on that money for my needs and I can't still access my mone. This is abusive.
Product: Money transfer, virtual currency, or money service

- XXXX/XXXX/23 at XXXX on XXXX saw an offer for concert tickets for XX/XX/XXXX from an account under the username XXXX XXXX posing to be real life person who is a mutual friend, XXXX XXXX XXXX 
XXXX/23 sent screen recording of our conversation and opened the confirmation email of their two tickets. 
XXXX23 XXXX XXXX  first Zelle payment of XXXX $ for tickets was sent on my end. 
-XXXX/23 XXXX the scammer sent a photo of the screen to transfer the tickets on XXXX to my correlating information for my account. Photoshopped a fee of {$100.00} to transfer. 
XXXX/23 XXXX XXXX my second transaction of XXXX $ via Zelle payment was sent. 
-- XXXX/XXXX/23 XXXX I asked for an ID to be sent when asked for another XXXX  payment as they claimed my payments would not be processed for 5-7 days, ID was most likely a fake. ID also did not correlate to the images on their XXXX. I messaged the real mutual friend on XXXX and told them they were being used to catfish.
Product: Debt collection

Upon pulling my own credit report, I found out that I had an account in collections with National Credit Systems from a previous apartment complex. Upon contacting them, they were given no contact information at all to attempt to contact me. No phone numbers, no address, no reference phone numbers. Also no attempt was made by them to retrieve this information from the apartment, yet I am being told that this item can not be removed from my report because they made every attempt to contact me. What attempt was made? I contacted them as soon as I found out yet I am being penalized for their poor attempt at collections? I would like this issue addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX I have noticed fraud account on my Credit file and Consumer reports THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$2100.00} Balance updated XX/XX/XXXX Original balance {$0.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your FICO Score 8. 
Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Open Account Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - - - - XXXX XXXX - - - - XXXX C - - - XXXX XXXX - - - XXXX - - - - XXXX - - - - XXXX - - - - XXXX - - - - XXXX - - - - XXXX - - - - XXXX - - - - XXXX - C - - - PAYMENT HISTORY LEGEND Status - Status updated XX/XX/XXXX Past due amount {$2100.00} Original balance $ 0 Monthly payment - Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments COLLECTION ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Phone number ( XXXX ) XXXX 15 U.S. C ode 1681c-2 a consumer reporting agency sthall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

They call multiple times a day. They call early morning sometimes as well as after XXXX, Or even XXXX at times.