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

the information from XXXX XXXX XXXX XXXX  XXXX  does not belong to me someone used my social security number and photo id to open this fraudulent lease in my name i am victim of identity theft I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # XXXX ; XXXX On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXXstal Inspection Service for other  possible violations of the law.
Product: Debt collection

his debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and XXXX XXXX XXXX XXXX  have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account ( s ) from all three credit reporting agencies due to the violations : XXXX, XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Earlier this week, I received a letter at my apartment in XXXX regarding a " Notice of Assignment to a Collection Agency '' of an amount owed to New Jersey XXXX-XXXX. 

1. I have never received even a first notice of a bill owed so assigning to a collection agency is an exaggeration.

2. The collection agency is collecting for a toll of " {$1.00} '' an amount due of " {$51.00} '', inclusive of a {$50.00} " Admin Fee ''. In addition to the above, they add on an additional " {$4.00} Convenience Fee '' 3. I have in effect left my residence in Florida late XXXX ( 2020 ) in pursuit of an opportunity in the northeast and only moved into a new residence on XX/XX/2020. 
4. All of my mail was forwarded and I've received and paid other bills and tolls as required.
Product: Debt collection

Today I have received XXXX calls in total from Comenity Bank for my XXXX XXXX account. If I do not answer they call multiple times in XXXX hour and block their number. This is my XXXX complaint about these tactics they use. My first complaint was submitted XX/XX/22. The complaint id for this is XXXX. If they continue to harrass me I will be contacting a lawyer and submitting a complaint to the FTC, XXXX, and the Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to tell Equifax that these items are fraudulent and I have been a victim of identity theft. I have sent in the report from FTC and they still want remove them from my credit report. I have sent them off numerous of times. I think Equifax has been paid under the table for to keep fraudulent these on people credit report. They want give the information on what was verified. They only say it was verified and they agree. I have the right to see the information that proves that these accounts belong to me. Plus I have been in a breach of my personal information with Equifax. Please look into this company.
Product: Debt collection

On XX/XX/XXXX, your company ( Wakefield & Associates ) sent me a notice that my account has been listed for collections. Shortly after receiving this notice, I called ( XX/XX/XXXX ) your company and spoke with XXXX XXXX XXXX XXXX to explain the situation. I had been involved in a car accident, and went to seek medical services following the incident. The accident was not my fault, and the at-fault partys insurer had accepted liability. After calling you, I was assured that there would be no further action, and to have my attorney send you something conveying that I have legal representation. There may have been a communication error somehow, and you did not receive the contact from my attorney. 
Immediately after I became aware of my credit score collapse on XX/XX/XXXX, I contacted my attorney. He has since tried several times to resolve the situation with you, but it seems he has been rebuffed by your company. I do not understand why this would be ; any documentation you need would be willingly and promptly provided. 
Because this was a no-fault accident, I had been advised by the other billers and my attorney not to pay the account balances until after a settlement was made. I was very willing to pay, to avoid any adverse credit reporting, since I have had outstanding credit and wished to protect it. All other billers from my visit to XXXX XXXX XXXX have not pursued collections except for Wakefield & Associates, on behalf of XXXX XXXX of XXXX, XXXX. 
The at-fault party in the accident was cited with a traffic violation, and their insurance provider paid for total property loss ( of my vehicle ). However, the medical costs I incurred, by going to the emergency room following the accident, have been contended by the at-fault insurer because of the extraordinary costs of the services ( I had no private medical insurance to mitigate the costs ). The outrageous costs for the services are apparent, but should not be of consequence to me, as I hold no fault for the cause of the accident, and liability is accepted by the other party. Having stalled on paying the full amount required to cover the medical costs, the settlement process has endured for more than a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes about my student loans. I recently did another dispute because I have n't received information from the last dispute back from XXXX. I have contacted the student loan companies about removing and not active old loans. I also inquired about why are they still updating as well. Some of the loans were XXXX in bankruptcy and the others transferred to XXXX. I spoke with someone XXXX/XXXX/XXXX about the loans, and she stated that she could n't removed the loans because they are no longer affecting my credit despite they are outdated. She also told me not to dispute the loans anymore because each time it will mess up my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting a collection account on my credit report. I have reached out and ask them for debt verification, it has been almost 3 months and i have not heard back from them. This is a violation of my rights under the FCRA! I would like for them to be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I notified XXXX that they were in direct violation of the FCRA. 
15 U.S. Code 1681b - Permissible purposes of consumer reports This law clearly states that any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. 
I never provided XXXX with my written consent to furnish this information on my consumer report XXXX XXXX XXXX XXXXXXXX. With that being said XXXX is committing fraud by furnishing my consumer report with this information. I demand that this information be removed immediately. 
Must I remind you pursuant to 15 U.S. Code 1681- Congressional findings and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 

XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 XXXXXX/XX/XXXX
Product: Debt collection

I have no record of this debt, and had I been properly notified to dispute it, I would have done so. If you did indeed send a letter to an incorrect address, I request that you provide me with a copy of it along with the certified receipt bearing my signature as proof of its delivery to me. According to the Fair Debt Collection Practices Act ( FDCPA ), you should have sent me a letter within five days of receiving the debt. Additionally, the name and address associated with this debt are incorrect. Furthermore, you're reporting that a payment was made within the last year, which is inaccurate. Given these errors, I request that you promptly remove this entry from my credit report.
Product: Credit reporting or other personal consumer reports

I disputed these accounts a few times and it keep coming back verified but How did XXXX and equifax verify this as accurate? I NEED DOCUMENTATION OF EVERY ACCOUNT ATTACHED!!!!!! How was this investigated when accounts on my report havent been updated since XXXX its XXXX which is a violations under the FDCPA Section 807 ( 8 ) Please send me any and all documentation that u have that show that XXXX and Equifax actually did they job I need to be provided with documentation that includes the Original Purchase Agreement, Terms & Conditions, Proof of ownership of the debt from Original Creditor. Name of original creditor? Account number, Amount owed, Proof of payment history Send me these documents within 15 days and if u can not send me documents in 15 days delete this from my account Immediately. I would have to seek litigation because this is violation and took a toll on my everyday life been denied for apartment, loan, credit card..etc
Product: Credit reporting, credit repair services, or other personal consumer reports

I voluntarily called to surrender my vehicle in XXXX and XXXX. My husband was in a motorcycle accident on XX/XX/2022. He underwent two XXXX and was temporarily XXXX. In XXXX, the vehicle was placed on the repossession list by XXXX. I called to schedule a pick-up several times. They finally picked the vehicle up sometimes in XXXX. The vehicle was later sold at an auction. I received a letter from XXXX stating that the vehicle was sold and that the remaining balance was charged off. 

The account has not showed closed on my credit bureaus until I disputed it XXXX or XXXX times. I noticed that they were closed in XXXX, but reopened. I called XXXX and spoke to a manger. He stated that he would have the account closed on my credit report since it was showing charged off. 

I noticed this morning that the account was reopened on my Transunion account. I have been trying to obtain a mortgage modification and this is affecting my XXXX. This account is closed and should remain closed on all three of my credit bureaus. 

This account was charged off and the collateral has been sold to a third party by the creditor.
Product: Payday loan, title loan, or personal loan

On XXXX XX/XX/2020, as the COVID-19 pandemic was beginning and I was impacted with job and pay issues, I immediately contacted the Lending Club and asked for assistance with deferring my payments. On XXXX XX/XX/2020, they approved my request due to being impacted by COVID-19 pandemic and at the same time, they reported my account as being delinquent to the credit bureaus. This is unfair and inhumane treatment. When the world is being impacted by not being able to work and families are struggling, its bad enough that I had to reach out to request assistance due to being impacted, but to have the account reported immediately as delinquent when I have been reaching out for assistance from the beginning is unfair treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. 

XXXX XXXX {$0.00} Someone stole my identity. 
XXXX XXXX {$0.00} Someone stole my identity. 
XXXX XXXX XXXX {$2100.00} Someone stole my identity. 
DEPTEDXXXX XXXX {$3700.00} Someone stole my identity. 
XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX  XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX  XXXX {$0.00} Someone stole my identity.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint and there is no third party involved. The Fair Credit Reporting Act 15 U.S.C 1681 section 602 states there is a need to insure that consumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. XXXX, Equifax, and XXXX are consumer reporting agencies and I am the consumer. My rights are being violated by having my private information shared and I want it to stop as per 15 U.S.C 6801 which states It is the policy of theCongressthat each financial instution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information ''. XXXX XXXX XXXX account number XXXX has violated my privacy rights and 15 U.S.C 1681 Section 604 A Section 2 : which states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer whom it relates. XXXX XXXX XXXX and the consumer reporting agencies XXXX, Equifax, and XXXX do not have my consent to furnish this information nor my written consent. Any and all consent to XXXX, Equifax, XXXX, and XXXX XXXX XXXX whether it be verbal, non-verbal, Written, implied or otherwise is revoked. XXXX XXXX XXXX are also in violation of 15 U.S.C 6802 ( b ) ( c ) as they never informed me of my right to exercise my nondisclosure option. The XXXX XXXX XXXX account number XXXX in question is listed as a charge-off. Charge-offs are considered Certificates of Indebtedness pursuant to IRS Publication 4681 ( 1. ) Canceled Debts, which means it is income and must be removed as income can not be reported in a consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S.C 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 - 313.9 and is currently in violation of said legal authority. XXXX, Equifax, and XXXX are not maintaining reasonable procedures as 15 U.S.C 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Product: Checking or savings account

XX/XX/year> I had an account with Chime I filed for a dispute on my account being stolen and unauthorized charges being made on my account. I did several disputes but I was denied several times then my account was closed and I was told I could no longer do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some inquiries are showing on my credit report that I have no knowledge of and I did not authorize. This was added to my credit file without my knowledge or my consent. This is illegal and against the law, stated 15 U.S.C 1681 section 602 A.aw to be reporting improper accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

***To whom it may concern**** I have noticed that US BANCORP have placed an inquiry on my XXXX  credit file dated XX/XX/18. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to  inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. XXXX report that you US BANCORP pulled a hard inquiry. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  has violated my rights 15 U.S.C 1681 section 602 A States I have a right 's to privacy 15 U.S.C 1681 section 604 A section 2 also states a credit consumer reporting agency can not furnish a account without my written instructions. 

Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account XXXX : XXXX Account name : U.S. DEPARTMENT OF EDUCATION Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Vehicle loan or lease

PenFed has reported my payment history as 30 days late during the months of XXXX & XX/XX/2021. During those months I had approved skip payments on my account. The confirmation numbers are XXXX and XXXX. In XXXX of 2021 PenFed attempted unauthorized recurring payments from my bank account which looks to have caused a series of rejected payments. Reporting the XX/XX/2021 payment as 30 days late is inaccurate as well. is reporting inaccurate payment history on my credit report. This is all a violation of the FCRA.
Product: Student loan

In regards to the student loans I was paying for, it was brought to my attention when ask that the school which is associated with my loans I never attend in XXXX. The loan is associated with a career institution by the name of XXXX XXXX XXXX which I never attended. I try to get this matter settled with the loan Servicer Aidvantage and got denied 3 time even with all my proof of documentation and police report I file. I explained to the loan servicer that I attended school in XXXX and was under the impression that the loans was for the school I attended in XXXX by the name of XXXX XXXX XXXX. I provide transcripts of the school I attended alongside signature samples and address of where I was living at the time, to challenge the authentication of the promissory note, and I was still denied. Last date of conversation with loan Servicer was on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, To Whomever Concerned the company XXXX add a DEROGATORY remark on my credit report XX/XX/XXXX stating that I owe a balance of XXXX dollars, In which I was never notified of such balance, until I investigated, and researched my credit report. I also do not owe the balance to XXXX, nor LVNV FUNDING LLCXXXX RESURGENT . As Ive never opened an account with the the companies listed above. Or the account that is opened in my personal information are fraudulent. After, investigating my credit report my Findings were that the company XXXX also works as XXXX, In which who sold that XXXX dollar debt to a company named LVNV FUNDINGLLC/RESURGENT. Ive been disputing the inaccurate information since XX/XX/XXXX. I asked the company XXXX to verify the account, Such as date of account opened, when, where, and how. The company XXXX refuses to respond. As for XXXX will not dispute the account directly. Informing me the account is no longer with them as the debt has been brought by LVNV FUNDING LLC/ RESURGENT whos also given me a hard time disputing this account. Without my acknowledgment, nor permission, according to the FCRA laws this is a violation of my consumer rights.
Product: Checking or savings account

In XXXX I went to a Chase Bank at the XXXX XXXX XXXX XXXX in XXXX, XXXX. I wanted to put my savings and checking accounts into my trust which I established in XXXX. 

A personal banker - after checking with the " back office '' - told me Chase can not do that. I could not believe that Chase could not or would not do that. I asked what happens to my money in my accounts on my death? His answer was that if no one claims it the money goes to the state. 

I tried to get him to understand that my trust would enable people to access my accounts. He refused to do anything. 

I wrote XXXX XXXX XXXX, Vice President Chase Bank of J P Morgan Chase at XXXX XXXX XXXX. XXXX, XXXX XXXX. Asking her if the personal banker and the back office were correct in telling me Chase does not do that. She did not answer. I sent another letter dated XX/XX/2018. She did not reply to that letter either. 

XXXX XXXX