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

On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I HAVE CONTACTED YOUR COMPANY BEFORE CONCERNING XXXX XXXX IN THE AMOUNT OF {$1800.00}. THIS ACCUNT DOES NOT BELONG TO ME YET YOU STILL CONTINUE TO KEEP RE-ENTERING ONTO MY CREDIT FILE. XXXX XXXX HAS NO LEGAL BINDING DOCUMENTS BEARING MY SIGNATURE CONCERNING THIS ACCOUNT. NEITHER HAS XXXX XXXX NOR THE COMPANY IT REPRESENTS XXXX EVER CONTACTED ME REGARDING THIS ACCOUNT IN ORDER FOR ME TO DISPUTE THE VALIDITY OF THIS ACCOUNT. PLEASE REMOVE IMMEDIATELY FROM MY CREDIT FILE.
Product: Credit card or prepaid card

I received a letter from Capital One XXXX XXXX stating " You did not provide two credit card numbers '' and I tried to contact XXXX XXXX to provide two credit card numbers, but after I called XXXX, the automatic answering machine transferred my phone directly to a debt collection agency, and then I tried again, immediately disconnecting my phone, and no customer service representative was available. 

Capital One should know that willful negligent and willful misconduct violate consumer law and anti-trust law, false statement and fraud transition. 

Capital One provided false statements and fraudulent transfers for {$18000.00}. Capital One should return my money to me by XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been affected by XXXX XXXX XXXX and was on Forbearance. I have agreed to sign a partial claim with XXXXXXXX XXXX and I am supposed to resume making monthly payments from XX/XX/2022 onwards, however, XXXXXXXX XXXX reported that I am past due by 30 days to Experian/ XXXX XXXX XXXX It is a violation of the CARES ACT as mandated by both the Federal and State governments of the United States. This wrong information has tanked my Credit Score by XXXXpoints. 

I have filed a dispute with Experian, however, they have marked my Dispute as " Completed '' even after submitting all supporting documents. They have not taken requisite action nor they have validated the documents that were submitted.
Product: Student loan

XXXX XXXX XXXX attorney continued to proceed with a collection lawsuit after defendant attorney notified them of bankruptcy filing. 
School : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX , XXXX XXXX ( now closed ) Private student loan owned by XXXX XXXX XXXX in collections. 
Attorneys representing XXXX. XXXX XXXX and XXXX ( XXXX ) & XXXX XXXX ( XXXX XXXX ) XXXX Filed a complaint ( wrong venue ) in XXXX XXXX XXXX Circuit Court XXXX XXXX at a former address I had not lived in in almost three years. Lived in XXXX XXXX 2 years after then reloca ted to XXXX. Alleged Debt was incurred in XXXX County XXXX, not in XXXX County XXXX 
Issues:1. XXXX willfully initiated a collecton lawsuit in a county of non residence of defendant, and in the wrong county where the alleged debt was incurred. XXXX willfully served the defendant at an older address in hopes the defendant would not find out about the lawsuit and obtain a judgement without the defendants knowledge. 
2. Defendant filed for bankruptcy protection days prior to the motions hearing. Both the XXXX County Circuit Court and plaintiff attorney were notified prior to hearings about the bankruptcy filing and all collection activity must stop. 
3. XXXX attorney still went forward after notification to obtain a judgement ruling after being notified. The defendant showed up at the hearing and presented the notice with bbankruptcy attorneys letterhead to the judge presiding over the case on Friday XXXX XXXX XXXX. The Judge ordered a XXXX monthccontinuance upon verification of my bankruptcy case. The plaintiff attorney was given a copy of the letter from my bankruptcy attorney advising of the filing prior to the motions hearing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX and XXXX I submitted letters to XXXX  disputing the accuracy of the information on said credit report with said company and this information was not verified by XXXX  nor validated by creditor to said debt to be true and made by me.
Product: Credit reporting

I call then send back requested information but they still refuse to correct and/or remove incorrect info therefore when I apply for credit, I 'm denied because the fraud alert placed due to identity thief requires that they call me before issuing any type of credit in my name
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX  {$0.00} XXXX  XXXX XXXX XXXX {$310.00} XXXXXXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX {$6500.00} & XXXX XXXX {$750.00} There are no valid claims, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from XXXX   XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and someone fraudulently opened a credit card account with Goldman Sachs in my name. Account # XXXX opened in XX/XX/year> 2022
Product: Consumer Loan

I did not provide all of the information to purchase a vehicle and somehow acquired a loan with a dealership. I have been contacting the XXXX XXXX and asked them to provide me with the information they have that was used to get me a vehicle loan when I had already had a open vehicle loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Experian XXXX XXXX has violated my rights as a consumer 15 U.S.C 1681 Section 602 A States that I have right to privacy 15 USC 1681 Section 604 A section2 : It also states that a consumer reporting agency can not furnish an account without my permission. 

The only Address that should be associated with my credit report XXXX XXXX XXXX XXXXXXXX XXXX  XXXX The incorrect address are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Prepaid card

Received a prepaid Amex gift card from my job. I have tried to use the card at numerous locations in store and online, card keep declining. I check the balance on the card and it says active and the entire balance is on the card. I am unable to use it. I called the Amex phone number XXXX and all it give you a generalized response as to why transactions are declined, but offer no resolution except that we should try with another merchant.
Product: Debt collection

I had a credit card with XXXX XXXX  was paying it and they shut it off because they wanted my birth certificate electric bill and my marriage license and very XXXX in my house had on and they shut off all XXXX of our cards so know they turned it to a company that comes up mcm and they call XXXX to 5 times a day talk to them a few months ago and could not resolve this
Product: Debt collection

National Credit Systems is reporting a debt owed of {$7700.00} on my XXXX  credit report that is not mine.The name they have on the lease document is not mine, yet they insist on adding it to my credit report, I have disputed this account with both XXXX and XXXX who agreed and deleted the account. I have called and written countless letters to remove this account to no avail. My last option now is to have my lawyer sue both them and XXXX to get this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The name XXXX XXXX is being reported on my credit file and is inaccuracy reporting! That is not my legal name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reporting i owe {$970.00} on an account I have no knowledge of XXXX XXXX XXXX XXXX {$19000.00}, they are reporting on my credit report. not my account XXXX XXXX XXXX XXXX {$41000.00}, they are reporting on my credit report not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX never shopped with this company, never gave them permission to ran my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr XXXX bankruptcy
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the immediate removal of this fraudulent account from my credit report. This dispute stems from a case of identity theft, for which I have filed a formal report with the Federal Trade Commission. Additionally, I have contacted the banks associated with the fraudulent account. 

The banks have acknowledged the legitimacy of the identity theft report and identified a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent account, which has mistakenly been on my report for over five years. 

However, this fraudulent account still appears on my report under your bureau, and I am curious about the confirmation process you have undertaken. XXXX and XXXX credit bureaus have ceased reporting this fraudulent account since the submission of the required documents. What actions are you taking, as your bureau continues to report this account. XXXX XXXX XXXX
Product: Debt collection

There is an account under the name WILLIAMS & FUDGE INC. attempting to collect {$10000.00} from me and reporting only on my XXXX credit report. The account was opened on XX/XX/year>. Pursuant to 18 USC 8, I owe no debt, this company violates a number of my consumer rights which include : 15 USC 1681b ( 2 ), these accounts must have a permissible purpose; under 15 USC 1681 ( 4 ), they must be accurate and verifiable; under 15 USC 6802, my financial information must remain private without proper authorization ; and under 15 USC 1681e ( b ), you are required to ensure maximum accuracy. An account was unlawfully opened in my name, resulting in unauthorized access to my personal information and misuse of my credit report. Additionally, the inaccurate reporting on my credit file reflects a failure to maintain reasonable procedures to ensure maximum possible accuracy as required by federal law. I request that the CFPB investigate this matter thoroughly and ensure corrective measures are taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I was looking at my credit report recently and noticed a bunch of unauthorized things I never applied for or gave anyone permission to run my score. This was never approved by me and i have no idea where all of the following inquries are coming from. come. Someone is trying to steal my Identity. On my credit report they are saying I have the following late fees XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All of this is not accurate. I never went to these places and applied for same card as it would make no sense. All I am looking to do Is have accurate information on my TransUnion, XXXX  and XXXX  reports. Also I have a derogatory mark from enchanced on behalf of XXXX   which shouldn't be on there as that was settled at XXXX  store and was no where near that price. Any help removing all this negative items off my reports truly appreciate it.
Product: Debt collection

I.Q Data International , Inc has sent me a letter on XX/XX/XXXX that I owe {$750.00} which they have credited to XXXX XXXX XXXX apartments in XXXX XXXX. 
I used to live in XXXX XXXX in these apartments in XXXX, one month before in XX/XX/XXXX I informed them that I am leaving at the end of XXXX, they agreed and signed a paper mutually that everything is clear and they will send my security deposit back to me later. When I called them later asking for my security deposit without any real reason they told me your apartment garbage and lock replacement is the reason you are not eligble to receive it. After almost two years sending another letter from a collection agency claiming the same things and asking for another {$750.00}.
Product: Credit reporting or other personal consumer reports

The interest was more than the product was worth I told them I would pay the product in full but refused the interest never reached out to me to resolve the situation also gave me a poor credit score due to the situation
Product: Credit card or prepaid card

I have had a Citibank credit card since 2008. Recently, I was going trough my credit report when i noticed the balance on my Citibank credit card i have on auto-pay does n't seem to be going down. I then contacted Citibank and they proceed to tell me that i have had a service called " Payment Safeguard '' activated on my account ( which i never authorized ) and it had been charging my credit card a monthly amount to have the service. So i was paying 26 % interest on the account, along with a $ 20+ monthly " safeguard fee ''. I was never contacted by Citibank to warn me that this was occurring, either by phone or mail. This is the most outrageous thing i have ever heard. I did not request to have this service and i want a refund for the money that is not theirs.
Product: Credit reporting

Experian is reporting the wrong address on my credit report. I spoke with Experian 's rep on XX/XX/2017 and they indicated that I would need to send them a Utility Bill, Social Security Card, and a Drivers License in order for them to update my address. However, I do not provide that kind of information to public corporations such as theirs. I also explained this to them when I uploaded my dispute documents with the correct address on there.
Product: Mortgage

I have XXXX loans serviced by ServiceMac, all of which are XXXX XXXX loans, rental properties and have the same hardship reasonings provided in the mortgage forebearance applications ( unemployment, flood disaster in one of the property and pXXXX out to tenants on the settlement agreements ). Two loans ( XXXX and XXXX ) are denied for mortgage forbearance, while one loan ( XXXX ) is approved for 3-month pause payment in mortgage forebearance. I have asked ServiceMac to review all three loans altogether, where the message were sent to the manager of the underwriting. However, I was informed by the manager of loss mitigation that ServiceMac does not review all 3 applications together, the loan approved for mortgage forbearance was due to XXXX XXXX XXXX  allowing 1 owner occupied loan to be approved for mortgage forbearance. This statement is incorrect as I already have one owner-occupied loan approved for mortgage forbearance by XXXX.
Product: Credit card or prepaid card

This is the second time that I've gotten in contact with Capital One in order to correct the issue the account was paid in full in XXXX the account is still reflecting showing a balance they are reporting the account to the credit bureau 's as pass due which is affecting the score. Completely negligent on their part
Product: Debt collection

Optimum Outcomes a collection agency is reporting derogatory information on my XXXX report for XXXX dollars and XXXX dollars. I have reached out to company twice to verify debt with original creditor and no response. I have disputed with XXXX   and still deletion.
Product: Credit card or prepaid card

A Capital One XXXX XXXX was opened up in my name on XX/XX/XXXX. The card was applied for in store and XXXX purchases were made on the day of opening the card, totaling {$1900.00}, but prior to me receiving the actual card. I received the card in the mail and did not authorize it. I filed a fraud claim with Capital One on XX/XX/XXXX, after I received the card and realized there had been fraud. I also received a XXXX card and a XXXX XXXX card on XX/XX/XXXX and XXXX. Both XXXX and XXXX have deemed their cards as fraud and closed the accounts. 

I filed a police report and have documentation of that. 

On XX/XX/XXXX I received a letter from Capital One stating that I am responsible for the purchases. I called and refiled the case. I received another letter on XX/XX/XXXX stating that they finished their investigation and I am responsible. I called the Fraud Department to reopen the case and they told me no. They said the application was signed by me but they wont show me the signature. They have my correct address but not my correct phone number. They said the phone number was associated with me, based on their research, but I don't have that phone number. They also said a call was made to them on XX/XX/XXXX at XXXX XXXX. They won't compare signatures and i was not in the city where the card was opened up.
Product: Credit reporting

I have some items on my credit report that is not mine and I have disputed them with the TransUnion by mail and phone conversation. I do not recall using the services at all. The accounts are as listed XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX and XXXX XXXX and XXXX XXXX.
Product: Debt collection

To Whom it XXXX Concern : After viewing a copy of my credit report, I noticed a XXXX collection accounts placed on my credit report from you this in XXXX account # XXXX and # XXXX. 
I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. If any fees are owed and documentation is provided that info should have also been forwarded to XXXX and XXXX. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( XXXX ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the XXXX does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and XXXX authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 

Provide a copy of my signature with the provider of service to release my medical information to you. 

Cease any credit bureau reporting until the debt has been validated by me.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the actions of Equifax regarding the inaccurate information reported on my credit report. Equifax has engaged in negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically under statutes 16 U.S.C. 1681o and 1681e ( b ), which pertains to civil liability for negligent noncompliance. 

On XX/XX/XXXX I submitted my first dispute regarding the inaccurate information on my credit report. In accordance with FCRA regulations, I expected Equifax to conduct a thorough investigation of my claims. However, not only did I receive an unsatisfactory response, but I subsequently sent four ( 4 ) additional letters to Equifax requesting clarification and the methods used to verify the disputed accounts. These letters were dated [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ]. Equifax failed to provide any response or documentation addressing my legitimate requests. 

Deviation from the proper procedures for investigating disputes, as enacted under the FCRA, constitutes a breach of their obligations as a credit reporting agency. The lack of compliance signifies Equifaxs negligence in maintaining accurate and up-to-date information on my credit report, which ultimately affects my creditworthiness and financial health. 

In light of their failure to adhere to the statutory requirements of the FCRA, I am requesting that the Consumer Financial Protection Bureau take the necessary steps to address Equifax 's negligent noncompliance, as per 1681o. It is crucial that credit reporting agencies comply with the law to ensure that consumers are treated fairly and that their credit reports reflect accurate information. 

Please let me know if you require any further information or documentation to assist in this matter. Thank you for your attention to this urgent issue.