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

On multiple occasions, I discovered several fraudulent accounts and transactions on my credit report, which I believe were the result of identity theft. The fraudulent accounts were reported by various companies between XXXX and XXXX, including credit cards, auto loans, and charge accounts. These accounts were opened without my consent or knowledge, and I had no prior dealings with the companies involved. 

The accounts listed XXXX ( Credit Card ) Reported on XX/XX/XXXX, with a balance of {$290.00} and a credit limit of {$300.00}. 

XXXX ( XXXX  XXXX  Credit Card ) Reported on XX/XX/XXXX, with a balance of {$470.00} and a credit limit of {$8000.00}. 

XXXX XXXX ( Credit Card ) Reported on XX/XX/XXXX, with a balance of {$360.00} and a credit limit of {$200.00}. 

XXXX ( XXXX Account ) Reported on XX/XX/XXXX, with a balance of {$240.00} and a credit limit of {$2500.00}. 

XXXX XXXX ( Secured Credit Card ) Reported on XX/XX/XXXX, with a {$0.00} balance and a credit limit of {$780.00}. 

XXXX XXXX, XXXX ( Secured Credit Card ) Reported on XX/XX/XXXX, with a {$0.00} balance and a credit limit of {$24.00}. 

XXXX XXXX  XXXX ( Secured Credit Card ) Reported on XX/XX/XXXX, with a {$0.00} balance and a credit limit of {$0.00}. 

XXXX XXXX ( XXXX XXXX ) Reported on XX/XX/XXXX, with a balance of {$15000.00} and the status of repossession. 

XXXX ( XXXX XXXX ) Reported on XX/XX/XXXX, with a balance of {$7400.00} and the status of repossession. 

To dispute these fraudulent accounts, I sent verified mail to all three credit bureaus XXXX, XXXX and Experian on XX/XX/XXXX, and again on XX/XX/XXXX, to verify my identity and report the fraud. It has now been more than 30 days since I initiated the disputes, and I have still not received any updated information regarding these fraudulent accounts from the credit bureaus. I have not received a response or updated credit report reflecting the removal of these accounts. 

I am requesting that the fraudulent accounts be removed from my credit report as required under the Fair Credit Reporting Act ( FCRA ), and that all collection activities related to these accounts cease immediately. I also request an updated copy of my credit report to reflect the removal of the fraudulent items and to ensure that my credit information is accurate. 

By publishing this description, I hope to inform others of the challenges faced when dealing with identity theft and how important it is to take swift action in reporting and resolving fraudulent activity.
Product: Credit reporting or other personal consumer reports

XXXX account is being reported thats not mine, received confirmation that it should be removed.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have files a dispute in regards to the in correct items on my credit report. it has been well over 30 days and i haven't received my investigation results.
Product: Mortgage

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by laws to do so. Please investigate my disputes, please. thank you.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account 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 a account without my written instructions.
Product: Credit card

Disputed Amount {$530.00} Dispute ReceivedXXXX XXXX XXXX Ref. XXXX Amex has refused to process this dispute and to adjust my balance due as required by law.
Product: Debt collection

I have requested information/validation on this debt bearing my signature and have not received anything stating that I owe this money and by law if the consumer ask for validation they must also show proof of signature. XXXX XXXX have repeatly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done business with XXXX XXXX, never signed a contract, nor do I owe them any money.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX MD XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] XXXX XXXX XXXX XXXX [ Collection Agency Address ] [ City, State, ZIP Code ] Subject : Debt Validation Request for Account # [ Account Number ] Dear XXXX XXXX XXXX XXXX, I recently reviewed my credit report and noticed that your company has reported a collection account under my name ( Account # [ Your Account Number ] ). I am formally requesting validation of this debt per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide me with the following information : 1. Proof that I owe this debt, including a signed agreement or contract with the original creditor.

2. A full payment history, including details of how the amount of {$330.00} was calculated.

3. Documentation showing that your agency has the legal authority to collect this debt.

4. The name and address of the original creditor. 

If you are unable to validate the debt within 30 days, I request that you remove this account from my credit report and cease further collection attempts. Additionally, as this is a formal dispute, I request that any future communication be in writing. 

Please respond within the legally required timeframe. If this debt is proven to be valid, I am open to discussing potential resolutions. However, until proper validation is provided, I do not acknowledge ownership of this debt. 

Thank you for your prompt attention to this matter. 

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

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still some items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Subject : Cease and Desist Communication and Unauthorized Use of Personal Information Dear Sir/Madam, I am writing to address a matter of utmost importance concerning the unauthorized use of my personal information by Allstate Credit Bureau . This letter serves as a formal notice to immediately cease all communication and any further use of my information, unless you are willing to engage in discussions to rectify the violations committed and provide appropriate compensation. 

It has come to my attention that Allstate Credit Bureau has been accessing and using my personal information without my consent or authorization. I hereby demand that you immediately cease all communication and refrain from any further use or dissemination of my personal information, as it is a clear violation of my privacy rights. 

Furthermore, I would like to bring to your attention that the business name " Allstate Credit Bureau '' is misleading and potentially in violation of the law. The only recognized credit bureau authorized to assemble and evaluate consumer credit and other information is the Consumer Protection Bureau. Referring to yourselves as a credit bureau implies a level of authority and credibility that you do not possess, which is deceptive and misleading. 

I insist that you immediately cease using the name " Allstate Credit Bureau '' and refrain from presenting yourselves as a credit bureau. This misrepresentation of your business name is not only misleading but also against the law. 

I hereby request that Allstate Credit Bureau take the following actions : Cease all communication and any further use of my personal information immediately. 
Provide written confirmation of compliance with this cease and desist request within 10 days of receipt of this letter. 
Engage in discussions regarding the violations committed and provide appropriate compensation for the unauthorized use of my personal information. 
Please note that failure to comply with this cease and desist request will result in further legal action to protect my rights and seek appropriate remedies. 

I anticipate your prompt attention to this matter. Any future communication from Allstate Credit Bureau should be in writing and strictly limited to the resolution of this issue. 

Thank you for your immediate action in this regard.
Product: Prepaid card

On XX/XX/2023 there were XXXX unauthorized withdrawals from my Netspend Skylight One account totaling {$920.00}. There were XXXX withdrawals for {$400.00}. each and a third for {$120.00}. While running errands in my neighborhood, I stopped at XXXX XXXX to purchase soil and other misc. gardening items needed at home. At checkout my transaction was declined due to insufficient funds, I tried again and again my transaction was declined. I stepped aside to check my account to confirm I did in fact have money in my account and instead saw there had just been XXXX withdrawals made at the local XXXX located down the street from the XXXX XXXX I was at. Upon noticing these transactions I immediately left XXXX XXXX and drove over to the XXXX, I spoke to the staff there and the information they were able to help with was a video showing the customers processing transactions at the ATM Machine located inside their store during the time my account was illegally accessed, which they agreed to release once a police report was filed on my behalf. ( Please note : My bank card and pin were never lost or stolen. I had just tried using my bank card a few minutes before at the XXXX XXXX which was declined due to insufficient funds ) As discussed/agreed with the staff at the XXXX store, upon completing and filling a Police Report with my local police department I was able to obtain a copy of the video. 

I also contacted the bank Netspend skylight reported the fraudulent withdrawals to my account and requested an investigation along with information on how to request a provisional credit. A claim was promptly opened and the instructions on how to request the provisional credit were provided. The credit request was completed and submitted to the bank as instructed on XX/XX/2023 via email. 

On XX/XX/2023 an email confirming receipt of the claim and providing a claim number was received from the bank. 

XX/XX/2023 received an email from the bank stating no errors were found based on their investigation stating they were unable to determine an error occurred. Findings were based on records show the disputed activity occurred near regular areas of activity such as city where I live and shop. Also listed was " XXXX disputed are consistent with account activity '' " Records show that the PIN was not changed prior to the prior of unauthorized usage. Their investigation also concluded that an authorized person benefited from the transactions.
Product: Credit reporting, credit repair services, 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 name : XXXX XXXX XXXX XXXX  Account name XXXX XXXX XXXX, Account name XXXX 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 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: Debt collection

Multiple discrepancies with original servicer of account. I have an active current account with the original servicer that is paid as agreed. Some how a equipment discrepancy from a previous address was reported as a collection even with me still having active services. I had to go to the branch and suffer through multiple rude and disrespectful customer service agents. Only to prove the error was internal and should never have been sent collection.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to TransUnion via USPS certified mail, tracking # XXXX, requesting an investigation into inaccurate items on my report. Additionally, I disputed incorrect personal information listed on my credit report. 
I included a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. 
I received a response from TransUnion dated XX/XX/year>, stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do under the FCRA I am including a copy of my dispute letter sent to TransUnion, along with TransUnions response, as proof.
Product: Debt collection

XXXX, XXXX Repeatedly calling friends, family and business after requested not to.
Product: Bank account or service

Hello, On XXXX XXXX, I noticed an overdraft fee of {$35.00} on my account ending in XXXX. The male representative ( I did not get his name ) told me that the overdraft fees of {$35.00} were being reversed since the account had overdraft protection. He said they were going to be taken care of, and to be patient. No further action was taken. 
On XXXX XXXX, I noticed another fee on the account, this time it was an extended overdraft fee of {$35.00}. This was due to the fact that the overdraft fee from XXXX XXXX was never reversed, even though the customer service representative stated it was to be done. 
On XXXX XXXX, I called and spoke with a customer service representative who would not reverse the charges, I escalated the call to a supervisor by the name of XXXX. After explaining my situation several times, XXXX repeated how overdraft protection works, and there was nothing she could do. I told XXXX that this was not a matter of how overdraft protection worked, but being accountable for the customer service representative. XXXX apologized, and stated the individual did not represent Bank of America. I inquired, " Are n't representatives of the company representing the company. '' I also asked if the call to be pulled several times. She evaded my questions, ignored me, and said there was nothing she could do. 
I then, asked to speak with someone higher than XXXX if she was n't able to do anything for me. XXXX told me she would get my number and have someone call me back. After a very long silence, a woman by the name of XXXX came on the phone and asked me, " What was going on? '' I explained my situation yet again. I had to say my story over again. XXXX said, there was nothing she could do. I asked if she could just reverse XXXX of the overdraft fees since I was given the wrong information. I had XXXX {$35.00} overdraft fees, totaling {$70.00}. She flat out said no. I asked if she could listen to the call recording, and call me back. I hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the balance with Transunion and   XXXX   XXXX   several times. My balance for a vehicle that was included in bankruptcy is still showing as  XXXX . My balance should be {$0.00} due to discharge of a bankruptcy where the the balance of this vehicle was included. I am requesting them to update this amount to {$0.00} immediately it is affecting my credit.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified in XX/XX/2019 from my XXXX credit monitoring that there was a late payment marker on my Credit Report. I called XXXX immediately to see what happened as I have not had a late payment in the 10 years I have had the loan. They stated on the phone in XX/XX/XXXX they had my wrong address even though I had all of my mail forwarded to a new address as I have done that with them before. They also said for some reason there was an error they received when also trying to send me emails and acknowledged there was an error in their system. They said even though it was an error in their system, it doesn't allow them to remove the incorrect late payment due to their error because the system is old and doesn't recognize that as a valid reason. They prompted me to file a dispute with their team and I did, and it was denied they then told me to reopen the dispute and provide all of this documentation which I did and they still denied it. I am concerned that they are able to ruin someones credit, and career by making this kind of mistake and wont take any steps to course correct their error.