23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a XXXX XXXX XXXX XXXX Credit Card Account that is is my name but I did not open it. It says the account was opened back on XX/XX/XXXX. I did not open the account and it was a result of identity theft. I called XXXX XXXX when the account was still open back on XX/XX/XXXX and told them that I did not open the account. They said that they would look into it and get back with me. I called them once again on XX/XX/XXXX and asked them why the account was still open, they said that they have came to a " resolution '' and will close the account. They never did. The account is now in collections and they keep calling me and asking me to pay the account off when I never even opened the account. I explain to them that it was a result of identity theft and they still want me to pay for it. I have contacted XXXX because that is who it is reported through and they have not responded to me for over a year now. I keep calling them and they say that its still in the mail. Which I do n't understand how it can still be in the mail after a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 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 ( A ) ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a call from " XXXX XXXX XXXX '' about a derogatory account with XXXX XXXX totaling {$1100.00}. This account used my social security number and my maiden name, which I have not used in 7.5 years. I informed them this was not my account and I was not aware of it before that phone call. As instructed, I sent an email to dispute the said account. I did not receive any feedback from this process. I called the company again and sent the same email again on XX/XX/XXXX. I still did not receive any feedback from this dispute process. This account continued to reflect negatively on my credit report, and has dropped my score approximately 100 points, despite being a disputed account. On XX/XX/XXXX. I contacted XXXX XXXX XXXX and XXXX XXXX about said account. I was met with many rude people at XXXX XXXX. When asking about my account I was met with XXXX as I did not know the address or account number to an account that was not even mine. I stayed on the phone with an associate for over an hour, and was then disconnected by no means of my own. During this time I discovered the account was created in XX/XX/XXXX, when I was XXXX years old. I never placed these orders and never received any of the products in question. I am upset because the level of customer service I have experienced was atrocious, and because despite disputing the account, it has continued to wreak havoc on my credit score. XXXX XXXX is currently sending me a " fraud packet '' after three months of disputing the account.
Product: Credit card

I applied for a business credit card through an offer letter sent to me and was initially approved, but then when I went to activate the card I noticed that my account was on hold not just the new account but also my personal account that I had previously and have been using. When I called Capital One to ask the reason they said they needed additional information such as bank statements for my personal account which I sent. They did not remove the hold even after receiving the statements they requested. When I called they said they needed the business bank statements as well and I refused because the business card is not related to my personal account at all. I then asked for all this information in writing as to why I am being treated with prejudice and nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies pull my credit report and assess if my financial profile without my authorization. I did not apply for credit so there is no valid reason for them to open and check my credit standing..Have this inquiry removed from my credit report asap XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union is reportedly inaccurate data that does not belong to me. They are not responding to the letters I sent them correctly. I filled identify theft with FTC and Transunion was notified of this and they still choose to ignore me and report inaccurate information.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : WAKEFIELD Account Number : XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX  COMPLIANCE.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is a scam. Trying to unfreeze and they keep asking for different items, I have my password, then it says log in, then it says password error, then it says call, no answer and repeat, then they try to sell you credit monitoring. 
additionally, there is ZERO reason my score is low with them compared to the other bureau 's its almost as if they have a side arrangement to keep the score lower so that banks / finance companies can charge a higher interest. And you can't reach anyone, and repeat.
Product: Student loan

On XXXX/XXXX/2016 have been in a hardship situation I spoke to several representatives at ACT ( Account Control Technology ) The rep did not offer me any options outside of a Debt Consolidation for my Defaulted student Loans with the Dept of Education. I am currently unable to pay a High ( {$530.00} for 3 months ) amount that is being charged by this third party collection agency company to resolve my balance and come out of default. I have a complaint that violated 805 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) because the message disclosed the existence of a debt to a third party. I had a message left on a voice to someone who was not me. ACT misinformed me about how to get a federal student loan out of default. ACT lie to or mislead me about the ability to get a federal student loan out of default. A federal student loan is considered to be in " default '' if the borrower goes 270 days without making a payment. Once the loan is in default, a 25 % collection fee may be tacked on. A borrower may also be able to get the loans out of default by consolidating into a single loan. ACT adviced me that there 's nothing they can do to get the loan out of default, and did n't tell me about all of their options, which violate the FDCPA.
Product: Student loan

I need Navient Corporation to tell me how/why I have paid them over {$18000.00} in interest on a {$31000.00} loan and my balance has still not gone down. I was set up for automatic payments and was NEVER late for a payment ... I paid on time for years! I submitted a complaint a few weeks ago and Navient 's response was that they were " unable to speak about servicing that occurred on the loan after XXXX XXXX, 2015. '' I need to then to speak on what happened with ALL of my loan payments that happened PRIOR to XXXX XXXX, 2015. 
I am now in forbearance because I can not afford to keep shelling out money and my balance not go down. This is ridiculous and has to be illegal!!!
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore
Product: Credit reporting or other personal consumer reports

Company/date XXXX XXXX XXXX XX/XX/XXXX Company/date XXXX XXXX XXXX XXXX XX/XX/XXXX Company/Date- Courtesy Finance LL XX/XX/XXXX Company/Date- XXXX XXXX XXXX XXXX XX/XX/XXXX These unauthorized inquiries listed above was reported to my credit from your company.
Product: Checking or savings account

I recently opened an account with TD bank and would like to notify your agency of what i believe to be a malicious and financially crippling process TD has instituted on its consumers unlike any other bank Ive experienced. TD now has a rule that they will accept pending transactions not manually processed at any point in day monday to Sunday but will not credit deposits in the same manner causing SIGNIFICANT overdrafts to customers even if funds are directed on the same business day. As a business owner sometime i have unexpected expenses that hit the account but will immediately transfer or post a deposit to resolve but TD will hit me with a {$35.00} fee even if funds are resolved that day setting off over drafts of multiple items after by setting priority to debits and not credits. In 60 days i have endured {$490.00} in fees that are completely unaffordable and can only imagine the hardship this causes for other individuals with not as much income as me. Im just paying TD to do what any normal bank does at close of business. This is absolutely malicious and unbelievable actions by a bank. My understanding is this process is new. Please assist, i cant afford to continue on like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received several emails from banks verifying that several accounts were being reviewed I did not apply for. Specifically a checking and credit card account with BMO Harris, and credit card accounts from XXXX  XXXX XXXX, XXXX XXXX, and XXXX XXXX. I also saw inquiries were processed on my XXXX account. These primarily happened on XX/XX/XXXX. I spent much of XX/XX/XXXX and XX/XX/XXXX contacting the companies and letting them know the applications were fraudulent.
Product: Checking or savings account

I dispute charges on my account was Denial a refund. Then I contact consumer finance.gov. After the 15 day I receive an statement saying my claim was denial. Then I was told on the Phone my account on hold. I told the customer service representative I didnt receive a written notification about this. The representative told me my direct deposit would be rejected on Wednesday XX/XX/. But on Friday XX/XX/ the direct deposit was deposited successfully. I ask for access to these funds they said no. And told me it could take 30 to 60 day for check that seems unreasonable. Citibank made the decision to put hold on the account. I should have access to my money before 30 to 60 day. I have rent to pay. I dont have extra money I live paycheck to paycheck. Citibank already let somebody spend my {$7800.00} at XXXX. That was my taxes refund money. I depend on my check every 2 week to feed my children and provide a place for us to live. I work for money need access to money now. Can you issue the check now not later?
Product: Credit card

I am writing this complaint to CFPB because you are the entity that is supposed to make these institutions follow the law. you have to hold therm to account and make them treat federally protected consumers according to the law. 
XXXX XXXX is violating so many different laws. Here is just a few : Debt Validation Pursuant to 12 CFR 1006.34C FDCPA 1006.30a 15 USC 1681b2 Aggravated Identity Theft pursuant to 18 U.S.C. 1028A 15 USC 1692c ( c ) 15 U.S. Code 1681s2 15 USC 1681 s-2 and i could go on and on. The point is that CFPB you need to make it to where these institutions know that if they break the law that its gon na hurt whether financially or by putting them in prison.
Product: Credit reporting or other personal consumer reports

I applied for a position as a Crisis Interventionist with XXXX XXXX, located in XXXX XXXX, Colorado. I was given an offer. I was instructed by the employer to complete a background check with checks.com on XX/XX/year>. After a few days I emailed XXXX on XX/XX/year> to voice my concerns about my background check taking so long. An earlier background check was completed by them and it only took XXXX hours. My concern was that something is going wrong and the company is not being transparent about it. I was sent an automated email which stated most background checks take XXXX business days. It is now XX/XX/year> and I have yet to hear from them. 

My potential employer informed me that they were waiting for information to come back from XXXX OH. However, I have never worked or lived in XXXX OH in my life. I attempted to contact XXXX to report this inaccuracy. However, there is no way to contact them. Thus I am filing complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2012 my office got broken into and they stoled not only my computers my wallet which had my drivers and social security in it, ( copy of police report included ).  Earlier last month I purchased my first copy of credit report and got shock of my life to find out how someone could of done such a thing to me. apparently some one unknown to me had used my personal information to get an apartment and personal loans under my name from ONE MAIN FINANCIAL. at that time i had reported these accounts to credit bureaus and they had instructed me to file an FTC report which i did. Also at that time i had wrote a letter to one main financial and had made them know that the account that they are reporting to my credit report is result of identity theft. As of today i have not received no correspondent from ONE MAIN FINANCIAL and i decided to purchase a new report to find out that this fraudulent account still reporting to my credit report that is the reason i am here now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ... CONN XXXX  XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent account and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to investigate and correct errors on credit reports. Failure to comply with this request promptly will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action. 
This account is fraudulent and must be expunged from my credit report without delay : XXXX - XXXX XXXX  XXXX.
Product: Debt collection

Account Name : JPMCB CARD Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$5700.00} Reason : Identity theft Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this accounts that does not belong to me and i want them to be eliminated from my credit report. 

XXXX  1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.
Product: Debt collection

I have reached out to CREDITORS DISCOUNT & Auditors for Account XXXX from Now defunct XXXX XXXX in XXXX XXXX Illinois to inform them that these services were for my XXXX  XXXX  and they should bill her insurance. I have also initiated several disputes to no avail. The info was removed from one credit buearu and not the others.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many letters to all three credit report agencies to remove ALL charge off accounts from my credit report. 

I know pursuant to 15 USC 1681 it is their responsibility to report fair and accurate reporting. I also know that this grave error has cause detrimental damage to my livelihood. These companies assumed this vital role in assembling and evaluating consumer credit and they are continuously furnishing inaccurate information. 

XXXX, Equifax, and XXXX are violating my rights and breaking federal law!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I certified mailed a letter to the company requesting the validation of the debt they listed on my credit report. My records show that the company received the letter on XX/XX/XXXX. On XX/XX/XXXX, I had still not received a response from the company, so I mailed an additional letter to the company requesting validation of this same debt. As of today ( XX/XX/XXXX ), I have still not received a response from the company. I have requested validation of this debt through the credit bureaus as well on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
It has taken multiple attempts to get just one answer from the company. This act of failing to respond, I believe, may have violated the Fair Credit Reporting Act and the Fair Debt Collection Practices Act for continuous reporting of disputed debt, failing to validate a debt, and continuous communication to a consumer after a debt has been disputed and not validated. This company 's actions are willful and negligent regarding its reporting of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had fraudulent activity on my credit report. Ive already file a complaint and had names and addresses removed from my report. I never applied for this card. XXXX, Transunion and XXXX are still violating my rights by reporting fraudulent inaccurate information on my credit report. I have never applied for a card with XXXXXXXX XXXX XXXXXXXX.
Product: Debt collection

I received notification about a supposed debt from XXXX XXXX in XX/XX/2020 in the amount of {$800.00}. I have sent numerous certified letters to the collecting agency, Credit Collection Services in XXXX, MA requesting validation of the debt under my rights in the FDCPA. To date, I have not received any notification or validation of the debt, only continued collection efforts.