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

In the month of XX/XX/XXXX, I became aware that my information was stolen and used to open up multiple fraudulent accounts in my name. I submitted the required documents to place an extended fraud alert on my credit and it appeared on XX/XX/XXXX. I pay a monthly credit monitoring fee of {$24.00} to maintain a credit lock on my credit reports to prevent further fraudulent activity. Next, on XX/XX/XXXX I sent a signed letter, Affidavit and Fair Credit Reporting Act section 611 printout to Equifax regarding the fraudulent accounts on my credit and that was the second letter I had sent to them. At this time I paid {$17.00} in mailing services to get this letter to Equifax. I received notification they received the certified packet on XX/XX/XXXX. I waited the thirty days as specified in the Fair Credit Reporting Act and by XX/XX/XXXX, I refreshed my credit reports and noticed that EQUIFAX had not responded nor deleted the fraudulent accounts I submitted in XX/XX/XXXX to be investigated and blocked from my credit. I submitted a third set of letters to Equifax on XX/XX/XXXX tracking number XXXX paying {$15.00} for this certified packet to be sent to them again. I received confirmation on XX/XX/XXXX they had gotten it and it is now XX/XX/XXXX and I have paid again {$24.00} to refresh my credit reports and no changes have been made on Equifax 's end or on my credit reports. Next, I submitted to XXXX  on XX/XX/XXXX I sent a signed letter, Affidavit and Fair Credit Reporting Act section 611 printout to XXXX regarding the fraudulent accounts on my credit and that was the second letter I had sent to them. At this time I paid {$19.00} in mailing services to get this letter to XXXX. I received notification they received the certified packet on XX/XX/XXXX, I waited the thirty days as specified in the Fair Credit Reporting Act and by XX/XX/XXXX, I refreshed my credit reports and noticed that XXXX  had not responded nor deleted the fraudulent accounts I submitted in XX/XX/XXXX to be investigated and blocked from my credit. I submitted a third set of letters to XXXX on XX/XX/XXXX tracking number XXXX paying {$16.00} for this certified packet to be sent to them again. I received confirmation on XX/XX/XXXX they had gotten it and it is now XX/XX/XXXX and I have paid again {$24.00} to refresh my credit reports and no changes have been made on XXXX 's end or on my credit reports.
Product: Credit reporting or other personal consumer reports

Recently I looked a copy of my credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy Here is the Item I am asking you to verify as accurate XXXX  XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX )
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX  XXXX BANKRUPTCY Case Number : XXXX Delete this account. 


2. there is some inaccurate information reporting XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS CREDENCE RM Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  AND XXXX XXXX  HAS INFORMATION THAT DOES NOT BELONG TO ME REPORTING ON MY PERSONAL CREDIT REPORT. I REQUESTED THEY UPDATE OR REMOVE THE INFORMATION BUT THEY REFUSE TO DO SO.
Product: Credit reporting or other personal consumer reports

As of today, the credit bureaus have failed to provide a valid response or correction regarding these disputes, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute. I want the below negative accounts deleted from my credit report. 

1 ) XXXX XXXX XXXXYour lack of proper investigation and continued inaction is also a violation of this provision. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. 2001 ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. 

2 ) XXXX XXXX XXXX- XXXXYour lack of proper investigation and continued inaction is also a violation of this provision. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. 2001 ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. 

3 ) XXXX XXXXYour lack of proper investigation and continued inaction is also a violation of this provision. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. 2001 ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. 

4 ) XXXX XXXX XXXXYour lack of proper investigation and continued inaction is also a violation of this provision. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. 2001 ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. 

5 ) XXXX XXXX XXXX XXXXYour lack of proper investigation and continued inaction is also a violation of this provision. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. 2001 ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. 

6 ) XXXX XXXX XXXXYour lack of proper investigation and continued inaction is also a violation of this provision. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. 2001 ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. 

7 ) XXXX  XXXXYour lack of proper investigation and continued inaction is also a violation of this provision. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. 2001 ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. 

Your attention to this matter is greatly appreciated. 

Thank You,
Product: Credit card or prepaid card

On XX/XX/2022 we made a payment to our Capital One credit card in the amount of {$1500.00}. On XX/XX/XXXX Capital One restricted my account and flagged it as fraud. We sent documents as requested, three times, and spoke to a rep multiple times. Our account is still restricted on this date of XX/XX/XXXX and they are again asking for the same bank statements I have already sent. We wanted to pay this card off before XXXX and have been treated horribly by this company as they continue to say it's fraud.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 XXXXXXXX XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

I was staying at the XXXX XXXX in XXXX XXXX XXXX XXXX on XXXX XXXX. On the evening of the XXXX, my business associates and I were in the lobby bar at around XXXX following a dinner. I started to feel hazy and confused so I headed toward my room, the last thing I remember was a dark haired female accompanying me. This was odd considering I had only had a few drinks that evening, the police think I was XXXX. The next thing I remember was waking up in my own XXXX at around XXXXXXXX XXXX. My phone, laptop, and wallet were missing from my room. I immediately called the police and provided a statement. I then called all credit card companies and Wells Fargo to put a freeze on my accounts. The crooks had already hacked my phone, change my XXXX XXXX, stole my SSN, charged every card in my wallet, sent a XXXX for {$1000.00}, and generated two wire transfers for {$1200.00} and {$5000.00}. The total stolen in that short period of time was {$11000.00}. I spent the rest of the day at the bank ensuring that fraud claims were filed, at XXXX replacing my phone and XXXX XXXX. Then I changing to 2-step authentication for every password I had. 

Since the theft, I have filed an identity theft affidavit with the police and receive assurance that I will be reimbursed for all fraudulent activity accept for the two wire transfers ( {$1200.00} and {$5000.00} ) from Wells Fargo. They are claiming that wires are different and since my user id and password were not compromised prior to the theft, that I am responsible for this. 

I don't understand, my phone was stolen and hacked. Funds were stolen, and they are claiming this my responsibility. They paid the {$1000.00} XXXX back under the same circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

Youre in violation of credit reporting act 15USC 1581 ( b ) for unlawfully obtaining my XXXX, XXXX, and XXXX reports without my authorization and permissible purpose under the FCRA. As a result of you unlawfully obtaining my consumer report without my permission, you are liable to me actual damages or statutory damages up to {$1000.00} punitive damages. Im willing to settle this matter without admitting liability. Cease and desist obtaining copies of my consumer report from the consumer reporting agencies. Pay me {$20000.00} and deliver it to my address listed above within 14 days of this receiving this demand. Please be advised that I am prepared to file in federal court if you do not comply with this demand. Upon time of receipt of $ XXXX payment this letter shall be general release of all claims here in. 
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 XXXX. XXXX
Product: Debt collection

At XXXX EST on XX/XX/XXXX, 2018 I was contacted by Ally Financial from XXXX. I was not able to take the call as I was working the call went to voicemail. On that voicemail, which I still have, the agent referred to me as " garbage. '' I do not deny owing Ally and had already made arrangements to make up the payments before this call. I have been a an XXXX XXXX in XXXX XXXX XXXX for a decade and still have never been so offended. They have a right to contact me for sure, but to degrade and humiliate someone should not be allowed.
Product: Credit card or prepaid card

I am actually complaining about two agencies that I have no knowledge about. 
JEFFERSON CAPITAL SYSTEMS claims that I opened an account for {$460.00}. If I opened an account for that amount, then why was the card never used and no payments made. It wasn't until the pandemic hit is when I saw this mysteriously appear on my credit report, and I disputed it saying that I never knew about this account and I never received a bill. Next thing you know, they started sending bills to my residence until I began to send it back to the sender. That's not how that works. Thereafter, I started receiving harrasing phone calls daily non-stop. JEFFERSON CAPITAL SYSTEMS should have a record of me spending. I oppose of this and continue to fight against a lie.
Product: Credit card

Hello my name is XXXX XXXX, I am writing to you regarding my credit card and the help I need in resolving some issues that I have encountered with it. Recently, I noticed that i was over charge and missed payments. My credit card statement, which has caused me great concern. I have tried to contact the customer service department multiple times, but I have not received a satisfactory response. I am hoping that by reaching out to you, I can receive the assistance and guidance needed to rectify this situation. Having negative issues like this on my credit card statement have put me in a difficult financial position, as I am now facing unexpected charges that I did not authorize. I have taken all necessary precautions to protect my credit card information, and I am unsure how these unauthorized transactions occurred. I believe that your expertise and guidance can help me in understanding the situation better and finding a quick resolution to this issue. I am reaching out to you in the hopes that you can provide me with the necessary assistance and support in resolving these unauthorized transactions on my credit card. I am eager to work closely with you to investigate these charges, identify any potential security breaches, and take the appropriate steps to prevent similar incidents from happening in the future. Your prompt attention and assistance in this matter would be greatly appreciated, as I am anxious to have this matter resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am using a credit repair service and I mailed 3 dispute letters to Equifax for review. The time frame has been longer than 45 days and I have yet to receive a response from Equifax. I mailed the first letter around XX/XX/2020, 2nd letter around XX/XX/2020 and the 3rd letter on XX/XX/2020. I haven't received one response from either of the letters that I sent. By law I know they are required to respond after 30-45 days, but I have yet to receive one response from them. I am paying for a monthly service and their lack of response is hindering my progress.
Product: Checking or savings account

I XXXX XXXX XXXX XXXX is XX/XX/1984 an I'm filing this complaint bc I'm not getting help or no luck finding my checking account number for jp Morgan chase Bank. I no its jp Morgan XXXX XXXX bank but I need my account number along with my debit card number that's linked to that account. Would the information I'm requesting please be sent to my email address an also by mail SOON AS POSSIBLE? COULD I ALSO HAVE THE CONTACT INFORMATION FOR THAT EXACT BANK be in different areas when it's sent to me?? Address far enough away from my account number. My card number not close to either of those? I no they are different accounts along with different credit cards so if it could al be sent to me together in the same message then make sure they all are very much not to were I don't understand it?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is AGAIN, following it's XXXX status quo history of continuing it's negligent business practice of systemic institutional racism. They have AGAIn for the 2nd time this year erroneously inaccurately report my account number XXXX 60 days late.I have NEVER paid my mortgage account 30, or more days late!!! 

In addition, all this despite the attached documented legal forbearance agreement that I was extended, and agreed too from the date of XX/XX/XXXX2020 to XX/XX/XXXX 2020 3 months still in existence, and XXXX XXXX   having sold the loan per the attached XX/XX/XXXX20 letter notification documentation to XXXX XXXX XXXX XXXX XXXX as of XX/XX/XXXX20, per Also, per the legal forbearance agreement it was/is CLEARLY stated that NO late payments, or late payment charges would be reported to the credit reporting agencies. Which is again, is evident of XXXX 's status quo systemic institutional XXXX business practice wrongly attempting to damage, and suppress my credit worthiness, and employment viability with the erroneous inaccurate late payment reporting.
Product: Debt collection

I received a Notice of Lack of Prosecution and Dismissal of Case on Date Certain on XX/XX/2022. I was never given any proper notice of their intent to sue with a court date of XX/XX/2022. There was no reasonable attempts made to contact me regarding the alleged debt prior to them pursuing legal action. As of XX/XX/2022 I sent a letter ( XXXX XXXX # XXXX ) requesting validation to Lendmark Financial Services, as I do not believe I have ever done business with this corporation. Their reporting inaccurate information to my consumer report and defaming my character.
Product: Payday loan, title loan, personal loan, or advance loan

I have two loans opened. Ive noticed on my credit I went to my XXXX. I noticed them I called my credit, bro. I had them dispute it. They told me to contact you guys on on XX/XX/XXXX thats when the first loan was open for XXXX through XXXX second loan was open on XX/XX/year> for XXXX through the company sbnaselflndr
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX ( which is the address listed on my credit report ) on XX/XX/XXXX and stated pursuant to FCRA ( 15 USC 1692g ) that I was disputing their debt claim and requesting validation. This was NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully requested their offices to provide me with competent evidence that I have any legal obligation to pay them. They reported on my credit report as I had an account in collections with them in the amount of {$17000.00}. I also informed XXXX XXXX XXXX, LLC that if their offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or Transunion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found, including but not limited to late payments, on any of my credit reports by their company or the company that they represent " XXXX XXXX  '', I will not hesitate in bringing legal action against them and their client for the following : Violation of the Fair Credit Reporting Act, Violation of The Fair Debt Collection Practices Act, and Defamation of Character. I have NEVER lived at that complex or done business with XXXX XXXX. I also informed them that the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached by their company and the client they represent. Then assured them that I am sure the removal of my information from your website, company records, or any and all derivatives thereof, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent. In addition to that violated my rights as a consumer pursuant to 15 USC 1692b ( 2 ) ,15 USC 1692b ( 5 ) ,15 USC 1692c ( 1 ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ), and 15 USC 1692f ( 8 ). They do owe me financial compensation for each violation. {$1000.00} per violation in fact pursuant to 15 USC 1692k under the FDCPA. I appreciate the CFPB 's assistance in the matter. Best,
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 and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

my information was part of several data brech 's from XXXX XXXX XXXX in the year of XXXX XXXX XXXX also my information appeared in XXXX 's data brech in XXXX. 
and XXXX on XX/XX/XXXX, XXXX my social security number was exposed my information also appears on the dark web my person information, social security number and addresses via XXXX credit monitoring services copies attached due to t these brech 's money was aslo stolen from my bank account in the year of XXXX i filed an identity theft report with XXXX transunion and XXXX this information hasn't been removed or resolved this my second attempt at removing this information with no resolution