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

Attention Experian Associate : This letter is a formal statement of concern based on your recent activities ( or lack thereof ). I have in my ownership a false copy of my consumer credit report from the XXXX XXXX, the XXXX XXXX and the Experian Corporation. Each of these reports were legally obtained by me, via the declaration of the rights allowed to consumers under the Fair Credit Reporting Act. I have challenged several inaccuracies and serious concerns with you to no avail. In fact, I have yet to see an answer from you to my prior letters. 
The specific items that Ive challenged include : This is not how i spell my name. 
Please delete this from my credit file immediately. 
The Fair Credit Reporting Act has particular criteria for the precise reporting of an item when it appears on a consumers credit report. It specifically states that all items within a consumers credit report need to be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable ( not 99.9 % or less ), must be 100 % complete information ( not 99.9 % or less ), and must only be reported during the permissible reporting periods as outlined in the Act for the specific item as reported. 
As a result, you were obligated to either provide me with proof that the reporting of this item does not violate the Fair Credit Reporting Act as detailed above ... OR ... you were supposed to remove it. Youve done neither. So now, its required by law for these items to be removed AUTOMATICALLY with or without an investigation. 
My request as expressed above, is authorized and justified. Should you refuse to comply with the law, then I must demand, on your official letterhead, a sworn statement as to the 100 % accuracy of each of the above items, and how its reporting is not violating my consumer rights. The persistent reporting of this inaccurate and unverifiable information has been detrimental to me and has caused me some extreme financial and emotional distress. Therefore, I must also demand the names of any/all Corporate officers who will be responsible for any monetary/punitive damages due when I take you to court. 
If I must pursue a lawsuit to protect my civil liberties as provided under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Fair and Accurate Credit Transactions Act, Fair Credit Billing Act, XXXX, XXXX, as well as any other statutes and/or laws that would relate to me and my situations, then I am totally prepared and willing to take any and all vital measures to do so. So again, I hereby petition your agency for the immediate removal of the above frivolous data, as it is not complying with the above-named laws and/or acts. 
Your companys continued reporting of this derogatory information will be deemed willful non-compliance and a blatant disregard of the law. Please respond to this letter in a timely fashion, within 30 days or less, to avoid any other legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a dispute was initiated with XXXX Credit reporting agency and Transunion CRA regarding a collection that appeared on my credit report from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I explained to the representative that I have been a victim of identity theft. This company excessively reports to the agency over 4 times within the past 15 days. The information reported has not been accuarately verified by XXXX. On XX/XX/XXXX, I spoke with Representative XXXX from XXXX, she is unable to provide the details of who from XXXX XXXX XXXX XXXX verified the account represented. I was not provided with the full name or spelling, address on the account. She states " we '' XXXX send the information that is on the credit report electronically, and the company responds back regarding accuracy, electronically. I asked to speak with a manager, XXXX said " that is not going to happen. ". I believe the account is being reported inaccurately and unverifiable.
Product: Debt collection

On Going issue with this company. I have contacted them in the past regarding this issue they fix the problem then a few months later they repeat with collections. they issued a negative rating on my credit report. It has drop significantly XXXX points. No one at this office will help with my problem. Cant get though to them they switch me from one operator to a Norther. I need help this has been going on long enough. XXXX issued the collection co Credence Resource management XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this 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 590. 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 n 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 us 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 n 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 XXXXnd stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

XXXX {$2000.00} Sent account to collection/ charge off
Product: Debt collection

I have established my credit over the last eight years and settle are open and confirm debits with all my creditors. However, I keep getting random collection letters from various companies claiming I owe some other company I have never down business with money. In this instance the company CAC ( Commercial Acceptance Company ) is claiming I owe a bank named XXXX XXXX in the amount of {$250.00}. I have never had a banking relationship with this bank or its subsidiaries. This collection agency does not provide any proof of debit or that they have the correct party, nor do they offer federally required disclosures with the notices they send.
Product: Credit reporting or other personal consumer reports

To whom may concern : I am a XXXX XXXX XXXX XXXX the accounts listed below are not any companies that I have applied for credit from. They are all accounts opened without my knowledge or permission. They are fraudulent and need to be removed immediately. 
I have filed the proper documents with my local law enforcement agency as well as with the FTC. I am providing you copies of these items to support my case. So with all that I mentioned and the supporting documentation you must follow the law and remove these items. 

Fraudulent Accounts : XXXXXXXX XXXX  - # XXXX - {$1900.00} XXXX XXXX - # XXXX - {$50000.00} XXXX - # XXXX - {$10000.00} Thank You
Product: Mortgage

To whom it concern : I have been trying to work with my lender to help me save my home. I have a complete packet right now waiting for a resolution but they are trying to get me out of my home while my review is active. XXXX XXXX XXXX posted a letter on my home about leaving my house in 3 days pushing me out when I have no foreclosure sale date on my home!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have thoroughly reviewed my credit report and would like to inform you of the inaccuracies it contains therein ( see list below ). U.S. Code 1681c-2 compels a Consumer Reporting Agency ( CRA ) to block collection activity the consumer identified as information associated with ( or resulted in ) alleged identity theft. As a reported victim of identity theft, in violation of the above code, XXXX, EQUIFAX, and XXXX are legally culpable. For instance, under U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), consumer reporting agencies may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. To date, I have NEVER given or afforded any Consumer Reporting Agency, or any such entity WRITTEN CONSENT to report or furnish personal consumer data. 

Next, I contend that XXXX, XXXX, and EQUIFAX have conducted superficial investigations into earlier submitted consumer disputes. Thereby, relevant information failed to be forwarded to data furnishers uncritically and without examination or scrutiny, accepting e-Oscar responses. Moreover, these responses were routinely found to be implausible or contradicted available information. Despite previous disputes, XXXX, EQUIFAX, and XXXX have failed to properly investigate and correct inaccuraciesresulting in undue personal and professional harm. I respectfully request that the Consumer Financial Protection Bureau take immediate action to compel compliance. SEE ATTACHED SUPPORTING DOCUMENTS.
Product: Credit reporting or other personal consumer reports

Re : Identity Theft Dispute and Failure to Acknowledge Accounts Dear Consumer Financial Protection Bureau, I XXXX XXXX am writing you to file a complaint against XXXX and Experian for their failure to acknowledge and address the identity theft accounts that I reported multiple times. Despite providing an Identity Theft Report and the necessary documents, the following accounts have not been acknowledged or investigated by the credit reporting agencies : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX These accounts were included in the disputes I submitted dating back as far as XXXX of this year. This puts them well outside of their XXXX threshold. I have sent the Identity Theft Report and supporting documentation multiple times, and it is deeply concerning that XXXX and Experian have failed to acknowledge these disputes or initiate an investigation. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681i, I request that any account listed on my credit profile due to this identity theft inquiry be immediately removed while under investigation by your company. It is crucial for my financial well-being that these inaccuracies are rectified promptly.

Furthermore, I would like to bring to your attention that, as per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four days from the receipt of this affidavit to resolve this matter. I expect a thorough investigation and resolution of the identity theft accounts within this timeframe.

Enclosed with this letter are copies of all relevant documents, including : Identity Theft Report Dispute letters submitted to XXXX and Experian Proof of delivery and acknowledgment ( if available ) I appreciate the Consumer Financial Protection Bureau 's intervention in this matter and request that you investigate and ensure compliance with federal regulations.

Thank you for your prompt attention to this serious issue. 

Sincerely, XXXX XXXX Please see attachments below
Product: Checking or savings account

Received an email XX/XX/XXXX my account had been close. My account had over XXXX I have receipts of withdrawals, direct deposits and recent transactions
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX Account # XXXX for violating the Fair Credit Reporting Act ( FCRA ) and to seek monetary relief for the distress and financial harm caused by their actions. 

Complaint Details : Creditor : XXXX XXXX Account # XXXX Nature of Complaint : Inaccurate Reporting : XXXX XXXX Account # XXXX has reported inaccurate information on my credit report, including an incorrect balance and misleading payment terms for a collection account. This false information has significantly harmed my credit score. 

Lack of Notification : XXXX XXXX  Account # XXXX did not notify me in writing about the alleged debt before placing it on my credit report, depriving me of the opportunity to dispute the debt or verify its validity. 

No Contract or Business Relationship : I have never engaged in any business with XXXX XXXX Account # XXXX and have no contractual agreement with them. 

Their reporting of this debt is unauthorized and unfounded. 

Unauthorized Entry on Credit Report : XXXX XXXX Account # XXXX added this account to my credit report without my consent, violating my right to privacy and the provisions of the FCRA that require accurate and fair reporting of credit information. 

Impact : The actions of XXXX XXXX Account # XXXX have significantly damaged my credit score, leading to potential denials of credit, increased interest rates, and other financial hardships. Their failure to comply with the FCRA has also caused emotional distress and financial instability.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX # XXXX # XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX has violated my rights.

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 my account without my written instructions.
Product: Credit card

I used my personal checking account to make a XXXX time payment to Discover on behalf of my son. Some months later Discover used my account information, which they saved, without my permission to debit my checking account with an e payment for my son 's account without my authorization. When contacted Disover stated they could not remove my account information until the charge was disputed and declined by my bank. Is it legal for Discover to store my information without my permission and refuse to remove it at my request.
Product: Student loan

- Reached out to EDFinancial on XX/XX/2022 to request a refund of payments made since the Cares Act was instated as I made consistent and sometimes large payments toward my loans. 

- EDFinancial stated my request was received on this same phone call on XX/XX/2022 - When asking how long it would take to get my refund/ loans reinstated, I was told six to nine months - When asking if this could be expedited/ expressing my concern since loan payments resume at the beginning of the month, they stated due to the amount of requests, they can not provide any updates or details. 

- Called on XX/XX/2022 to see if there was any update - same answer, no ability to give a status or timeline. 

- Called again today, XX/XX/2022 to check again for an update, zero updates, status of the request shows as active on their end but it could still be a long time per representative. They have no timelines to give.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a personal loan pre approval for XXXX. They require their third party app XXXX  be able to connect and access my personal check account. My credit union would not allow this type of connection however my XXXX checking account did. 

After numerous emails and some calls, they said i could send the information from my primary checking account by email, attached as a document, to them after i explained that my credit union would not connect to their 3rd part app, XXXX. I sent ALL the documents they requested : bank statements, my most recent check stub, and my additional social security benefits letter for our family showing all of my income so they could review for this loan application. After being asked over couple weeks, i sent everything, and they would not proceed with my loan because they could not verify my income. They kept saying ok now send us your benefits letter, send us your last pay check stub, and last bank statement. I did all of that. 

This after they confirmed i could verify my income by EMAIL. 


Now they have all my incomes verification without honoring the verification process they asked me for. I have all the emails. 

They kept requesting me to verify my account where my primary income is received. EVEN AFTER I did this all by email to this company yet they still refused to process anything. They have all my information pay check data and personal banking info. 


Please advise on this type of fraudulent practices Thanks
Product: Debt collection

In XXXX of XXXX, 12 separate charges adding up to {$240.00} dollars appeared on my XXXX XXXX XXXX debit card from an online gambling company called " XXXX XXXX. '' As I do not have ( and have never had ) an account with XXXX XXXX, XXXX XXXX immediately determined that these charges were the result of fraud and removed them from my account. However, XXXX XXXX turned the charges over to a collection agency, TRS Recovery Services, which began attempts to collect the debt. 

In XX/XX/XXXX, Upon receiving communication from TRS Recovery that they were attempting to collect on this {$240.00} debt, I responded in writing informing them that this was not my debt. I will upload and attach that letter ( File " TRS Recovery Letter XX/XX/XXXX '' ) Now in XX/XX/XXXX, TRS Recovery has ignored my written letter from XXXX and is now continuing the debt collection process with a series of 12 separate " second request '' collection letters adding up to the same {$240.00} figure. It seems that my written letter indicating the debt was not mine has simply been ignored.
Product: Checking or savings account

Events started in early XXXX ( documented in the attachment ) when Chase 's fraud department violated my privacy and then locked me out of all my accounts. After a week of trying to resolve how this happened and what will prevent it from occurring again, I decided to close my individual checking, savings and credit card accounts. But Chase will not do that.

I have spent hours on the phone and online, I have reached the end of my patience. I want these accounts closed. I shouldn't have to interrupt my day to go meet with a private banker who's only function seems to be dialing the phone and calling the same departments I have to deal with.
Product: Debt collection

On XX/XX/XXXX, I mailed a letter to validate a collection that is being reported to the credit bureaus. The account was opened with Midland Funding LLC on XX/XX/XXXX, showing a balance of {$1500.00}. Midland Funding LLC failed to respond to my validation letter with the requested information. The uploaded attachment is the mailed letter and correspondence from Midland Funding LLC.
Product: Debt collection

I previously filed a complaint with this debt collector. Their response was a very long PDF claiming they sent the following information to me on XX/XX/XXXX. I scrolled through the entire document, and this was the first time I am being provided with this information. They never sent me this. So I scroll back up to the top to try to figure out when and where this was sent exactly. This information never made it to my hands because for some reason they decided to send it to an address I haven't lived in since XXXX. Before the alleged debt even happened. I have so many problems with this. XXXX ) How did they acquire an address I had BEFORE this all started? XXXX ) WHY of ALL the previous addresses they could have found, why THAT one? I never even received mail at that address. I used a XXXX XXXX XXXX That address has no mail box. So who knows whose got full access to my very sensitive personal information. XXXX ) If they were easily able to find out my previous addresses that had nothing to do with the alleged debt, it should be even easier to find addresses I have lived at after moving in XXXX. I only have XXXX address after XXXX, and it's the one I'm living at currently. 
This debt collector handled this very lazily, doing the bare bones minimum in effort in ACTUALLY trying to contact me about this debt. I wrote a letter from my current address requesting debt validation. Instead of responding to my letter with the " proof, '' they were careless and negligent claiming they already had sent me something. And by the way, this debt collector never responded to my written request. I'm coming to this conclusion based on how they responded to my last complaint. 
I need this off my reports because they have failed to notify me, and failed to provide validation when I did request it. The potential damage they have already done by sending a letter to an address with no mail box is far worse than a derogatory mark on my credit report. This debt collector has already done so much damage and I need this gone.
Product: Debt collection

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this SW CRDT SYS ( Original Creditor : XXXX XXXX XXXX ) was reporting to be negative on 3 Credit Bureaus. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit card

I booked three airline tickets for {$700.00} on XX/XX/2022 by XXXX XXXX for a segment in XXXX XXXX on XXXX using PayPal credit, but cancelled within 24 hours after finding that we can not complete the trip. XXXX XXXX as with all US carriers has full refund policy within 24 hours of cancellation. I informed PayPal Credit administered by Synchrony Bank of the situation right away, and several times later after they continued to bill me. I called XXXX, who refused to work with me, saying that they only deal with the credit card company since I disputed the charge. After so many months they still can not resolve the issue and continued to bill me and reported to the credit agency. Each time I called, the phone handlers at both XXXX and Synchrony Bank told me a different story. Such incompetence.