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

I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax over and over about companies running my information and people applying for cars and credit cards in my name please help and remove these unauthorized inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of last activity appears incorrect across both of my CLOSED XXXX  XXXX accounts. Remove immediately due to inaccuracies.
Product: Mortgage

hi cfpd ... i dont have a big issues ... just at the moment i dont have income my unemployment are being pending i lost my job XXXX i work so hard to provides my family foods and shelter.. long story short due of corona virus me and my wife both loose our job ... we saw our family memeber and communtity pass away.. we need a time out so i could figure out away to work from ... start a busines from home .. 

right now i need help for a few month to get back on my feet ... 

thank you
Product: Debt collection

I have already submitted a complain against this company, however, it seems that parties involved are inept as the complaint concluded that they " could n't identify the company ''. So here is my attempt to humor your inabilities : Valley Credit Sevices XXXX XXXX XXXX XXXX, XXXX, OR XXXX Acc # XXXX As stated in my previous complaint, I was not rendered services by this company, I 've never dealt with them in my life, I certainly did n't do business with them, yet they claim that I owe them over {$10000.00}.
Product: Debt collection

I received a " second notice '' from  Complete Payment Recovery Services  @  XXXX   XXXX   XXXX ,  XXXX , AL  XXXX . It stated  XXXX   XXXX   XXXX   XXXX  wrote a bad check ( #  XXXX  ) at  XXXX  #  XXXX  on  XXXX / XXXX /  XXXX   for {$130.00}, creditor is Certegy Check Services.  CPRS  is demanding {$170.00} from a non-existent company at my home address. The phone # for  CPRS  on the letter i s (   XXXX   )   XXXX  and is not the same as a number online. CPRS wants immediate payment by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is not showing up properly on equifax. Other third parties can not pull it either and nobody seems to be assisting with this issue.
Product: Checking or savings account

Around XX/XX/XXXX I opened a business account. It was opened then closed within the next two days.

I was told that I could no longer open an account and details can not be disclosed. I was told that a letter was generated in XXXX. A letter/notice that I have not received. 

I would like to have a reason and an opportunity to dispute or defend my position but not given.
Product: Credit reporting or other personal consumer reports

In accordance with the XXXX XXXX XXXX XXXX XXXX of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, XXXX to reinvestigate these accounts accounts : XXXX XXXX {$150.00} since XXXX. XXXX XXXX {$80.00} since XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isnt reporting correctly.

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.

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 items of information, other then records of convictions of crimes which antedates the report by more then seven years.

Also they arent in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX XXXX a year ago to check my credit to make sure it is in good standing. I found that there were collections on my credit that I was unaware of from XXXX and XXXX that were unresolved. I disputed these collections and they were resolved but they came back up on my Equifax credit report. I tried to dispute through Equifax but I could not log into their website because they redirected me to call them. I called and I kept getting transferred to another department and I could not speak to someone. I then called XXXX about my {$1.00} collection. They said it was too far back and they could not find that I owed any balance but I should call XXXX, the collection agency that was used. XXXX told me there were no collections under my name or my husband 's name which means it should have been resolved. They said they can not do anything on their end because they just have a contract w/ XXXX to pursue collections. I then called XXXX back to speak to a manager. I was transferred to a manager and was put on hold for 10 minutes. The receptionist then stated that she is unsure when the manager will be available and asked for a call back # which I gave. I am now waiting on a call back which can take up to 24hrs. I did not even realize this was on my credit. It is now taking an act of congress to see why my credit has been messed up for a dollar.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts on my credit report that are not mine I have not applied for these I have not accepted them or signed for this. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account
Product: Debt collection

The debt collector, XXXX XXXX XXXX XXXX  representing LVNV Funding XXXX XXXX XXXX XXXX XXXX has failed to offer adequate customer support for the last 6 months. I have tried repeatedly to call the office at : XXXX and XXXX, extension XXXX and no one ever answers the phone. I have attempted calling them over 10 times since XXXX, XXXX, waiting for a total of many hours for a live operator to notify them that as a result of COVID and the lockdowns my income was significantly less since XXXX, XXXX and I was unable to pay my agreed upon payment plans. I was on NJ state unemployment from XX/XX/XXXX to XXXX, XXXX. 

Over the last 2 weeks, I have received court judgements against me and threats of garnishment of wages. 

I am attaching the judgements and wage garnishment documents. 

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

On XX/XX/2023, an auto collision occurred where the XXXX XXXX was declared as a total loss by XXXX XXXX XXXX. The Loan was paid off within 30 days by XXXX and information was sent to XXXX, Transunion, and XXXX. The total loss was {$140000.00} The credit bureaus are reporting the auto loan as opened, with a balance, and a 30-day late for the month of XXXX. {$65000.00} The amount that is reported, when the loan should report as Closed/ Paid-Off/ XXXX Balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple wrong names plus wrong addresses on my report. I have tried to correct this multiple times. This last time I have tried doing this through Experian. I was told that it could not be done on line so asked for the free credit report so as to get everything written down correctly and then was going to put everything in writing. This started over a month ago and nothing has shown up. A couple of times I have tried to contact them on line to see what is happening. I go to the " contact us '' drop down and tried to do so. Of course they are unable to help and I must call a " number ''. I try to do so, they ask a bunch of questions and eventually get to something that I do not know the answer to. We then go around a couple of a ring around the rosy and they hang up. 
Could you please get me my supposedly free copy of my credit report from Experian so that I can dispute there misinformation in writing as they demand. 
Regards, XXXX XXXX XXXX XXXX My first name is XXXX, my middle name is XXXX The initials do not stand for anything and do not have periods after them.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$30000.00} XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXX XXXXXXXX Balance : {$30000.00}
Product: Debt collection

They are failing to validate the information in which they are trying to collect on. I have been trying for several months to receive validation of this collection of which they are saying is mine but all they send back to me Is a letter stating as I already know they collect for and it has an account number and amounts which isnt validation! Please help with this company!
Product: Credit reporting or other personal consumer reports

for the past four years, I have been working on my credit. I have paid everything off, Ive paid everything on time and Ive stayed on top of the reporting. I am up to date with everything. Earlier This year, XX/XX/XXXX XXXX XXXX XXXXXXXX all of a sudden started reporting a collection that was not mine of {$2400.00}. Their dates and everything theyre trying to say I took out a payday loan do not add up. I did take out a payday loan In XXXX but it was not with XXXX XXXX  who they are saying i did. I have already paid that off that was already dealt with and removed years ago. All of a sudden this random place, XXXX XXXX XXXX  is texting me, messaging me, calling threatening me saying theyre gon na take my wages and theyre gon na send me to jail Theyre gon na take me to court. This is 100 % not my account. Ive disputed it and it was taken off of my credit but then I woke up this morning to a XXXX point drop and go figure the account is back on my credit. This makes no sense nobody has verified it with me and Im sure the credit bureaus arent even verifying it. This should be illegal. I would like somebody to take care of this because its not mine and if this is happening to me, how many other people are being screwed over by this company?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. After verifying that that XXXX was misreporting my dispute I sent through CFPB with XXXX XXXX accounts as fraud, I contacted Equifax to see if the complaint sent to them as mislabeled as fraud as well. The representative verified the XXXX dispute was labeled as fraud. I contacted CFPB and was told that the CFPB does not place labels on complaints & that they just forwards the complaint. Equifax labeling the compliant as fraud is inaccurate because : 1 ) Reference CFBP complaint # XXXX, I said that XXXX XXXX was fraudulently reporting that they have possession of my student loans. They sold my loans to another servicer in XX/XX/XXXX and did not have possession since. I was implying that the 3 credit bureaus knew this fact and allowed them to continuously report to them. Thus not properly verifying the information. I stated in lamens terms that the reporting is inaccurate not fraudulent. 2 ) I also found out that Equifax placed a fraud alert on my account without my expressed written permission through notification in the mail. 3 ) Equifax most likely was notified by XXXX about an account that I disputed as Fraudulent on my XXXX credit report, weeks ago. 4 ) When I logged in to find who was my servicer of my loan previously, it was not XXXX. It was XXXX, who is the US Department of Education 's default resolution group. 5 ) I have recently consolidated my student loans and another servicer that's not XXXX has possession of the loans currently.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act Equifax has violated my rights. 15 U.S.C 1681 section 602 A. I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions Equifax violated my rights by furnishung XXXX  card {$8500.00} without my written intructions. This is considered as fraud. I am not disputing this account with XXXX. This complaint today is against Equifax for violating my rights and privacy.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date Of Birth : XX/XX/1999 Content of Complaint : The CFPB has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681 c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulently, inaccurate, and false information consist of personal credit account opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Reported BY XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX Amount : XXXX ( Reported BY XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX : XXXX ( Reported BY XXXX XXXX XXXX ), also consist of XXXX XXXX XXXX XXXX Amount : XXXX ( Reported BY XXXX XXXX  ), XXXX XXXX Amount : XXXX ( Reported By XXXX XXXX ) also consist of an account with XXXX amount : XXXX, also consist of utilizes bill with XXXX XXXX XXXX XXXX XXXX XXXX Amount : XXXX ( Reported by XXXX XXXX XXXX ) also a credit line with XXXX Amount : XXXX, and finally also consist of a loan with XXXX XXXX XXXX  XXXX. These accounts have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections or hard inquires as reported. The aforementioned accounts, collections, and hard inq appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and inq are results of identity theft and fraud, I have attached a copy of FTC identity theft criminal complain # XXXX, # XXXX and # XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit account, collections and inq are result of identity theft and fraud
Product: Money transfer, virtual currency, or money service

I reported to Chase Bank that I was defrauded by an organization for an amount of moneynand asked them to stop or reverse charges. They inssist that they are unable to. I believe that my account included fraud protection in the language of our agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$17000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This has cause me great anxiety, stress, and financial hardship.
Product: Debt collection

I SENT A CERTIFIED TWO CERTIFIED LETTERS TO CHASE FOR A CREDIT CARD DEBT THAT HAS BEEN REPORTING ON ALL THREE THE MAJOR CREDIT BUREAU 'S. THE, IN THE AMOUNT OF {$2200.00}. THE ACCOUNT NUMBER THEY ARE REPORTING SHOWS AS XXXX. 
THE FIRST CERTIFIED LETTER ASKING FOR VERFICATION OF MY SGINATURE WAS SIGNED BY CHASE ON XX/XX/18, THE SECOND CERTIFIED LETTER WAS SIGNED FOR ON XX/XX/18. I RECIEVED NOTHING BACK FROM CHASE EXCEPT FOR STATEMENTS, THERE WAS NO VERFICATION OF MY SIGNATURE. THEY DID NOT PUT A DISPUTE NOTE ON MY ACCOUNT WITHIN THE 30 DAY PERIOD AS WELL. 
ALSO THEY ARE NOT REPORTING THE ENTIRE ACCOUNT NUMBER, ONLY A FEW DIGITS, FOLLOWED BY ASTRICKS/STARS. 
PLEASE SEE THE FOLLOWING VIOLATIONS BELOW : VIOLATION OF SECTION 609 OF FCRA, SECTION 623 ( A ) ( 3 ) AND/OR THE FAIR DEBT COLLECTION PRACTICIES ACT SECTION 807 ( 8 ) BY NOT PLACING THE DISCLOSURE WITHIN THAT REQUIRED 30-DAY PERIOD.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is an identity theft victim. His information was used to apply for several accounts and services that he never authorized. An application with XXXX/XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XX/XX/XXXX. While no accounts were established the applications left fraudulent related inquiries on his credit reports with XXXX and XXXX. Official disputes of each of these were sent to the each company however a credit report reviewed today XX/XX/XXXX listed these three remaining items. These items are in violation of FCRA and should be removed.
Product: Checking or savings account

A checking account was fraudulently opened with TD Bank without my authorization using my personal information. I called the bank and reported the fraud. They said they would investigate it and issue a letter to me about the account and close it. They have done neither, as i still get statements in the mail. I have written to them to advise of the fraud and asked them to close the account. I received a new bank statement as of the day i write this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard pull inquiries by companies listed below : XXXX XXXXXX/XX/XXXX XXXX XXXX-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 XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Product: Credit card

I made a purchase from a door to door salesman on XXXX XXXX, 2015. I contacted the Merchant ( XXXX XXXX XXXX ) on XXXX XXXX and XXXX XXXX, 2015 to cancel the sale and request they come and retrieve their merchandise. Per the FTC " cooling off period '' rule, I am allowed to cancel any sale made in my home for any reason without the merchants ' consent. XXXX I paid for the transaction using my Sears MasterCard issued by Citibank Retail Services ( CRS ). I disputed the charge with Citibank and cited that I had canceled the transaction per my rights as noted by the FTC rules. CRS did initially provide me with a temporary credit for the disputed amount. However, one month later they sent me a letter reversing the charge, stating that the merchant MUST agree to the cancellation. I sent follow up documentation citing again the FTC rule as well as the correspondence between the merchant and me and they again told me the merchant must agree in order for them to cancel the sale.