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

Only Experian credit bureau has been reporting a Public Record file on my credit report as a result of identity theft which they were previous made aware of. This company shouldn't be entitled to enforce inaccurate credit information on my credit profile. They were made aware before, someone with a similar name credit file was merging with my credit report as a result of identity theft. The accounts have since been removed but this 1 Public Record still exist. I pulled a PACER- Public Access to Count Electronic Record ( attached in file ) which clearly shows an address that doesn't belong to me ( or on my credit report ), and nor does it show a full SSN to fully identify a true match. 

I tried resolving it through Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( same letter again but with a birth certificate as they requested ), and XX/XX/XXXX. I even went as far as contacting the Illinois XXXX Bankruptcy Courthouse on XX/XX/XXXX via phone and letter directly, and received a written response that stated, " ... In order to obtain a debtors full social security number, a third party must file a motion with the court to unseal documents related to a case. This would be very unusual and does not happen on a regular basis, and our database does not have any records for an exact match of you ... '' I sent the documentation over to Experian, and they still have not responded back with a removal.
Product: Student loan

On XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX, I sent letters to Sloan Servicing requesting documents that validate and verify the alleged debt they claim I owe. To date, they have not produced the requested documents. 

I have asked Sloan Servicing for Validation of the debt ( the actual accounting ) ; ( I want to see where the money came from and how the money originated ), Verification of their claim against me ( an affidavit or a hand-signed invoice ) ; A copy of the contract signed by both parties and therefore binding both parties. The Original Promissory Note, under penalty of perjury and with unlimited liability, and confirm that this Note has never been sold. The name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the XXXX XXXX XXXX XXXX XXXX XXXX, and what actions s/he has taken in relation to this account. 

These documents have not been produced to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$820.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX  XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ;
Product: Credit card

This individual enter our lives back in XXXX 2013. This individual with the intent to defraud my family he built our trust and confidence, and misrepresented himself as a entrepreneur/multi millionaire. After he built our trust he wanted us to open an Assistant Living Facility business. I explained to him time and time again it takes money to open a business and we do not have money to do that! This individual kept pressuring to open this facility so we could be millionaires like him and his family. He pressured us so much we had gotten and XXXX number but never got a building, he said the first thing is to get business credit cards to help with business acumen ect. He advised me they were to be used for business purchases only but he needed to be added as an authorized user, this individual was living off of these business cards and would call the bank cards to ask them not to send statements out so I would n't see the charges on the cards I called Us Bank and reported fraud and ask them too shut the card down they said they did but this individual, found out when he went to use the card again and call the card and had them issue him another card, without my authorization i was going back in forth with the us bank customer service and fraud department. I went to my local police department and have the Detective involved in this fraud case, but I still continue getting harassing phone calls from Us Bank on my phone and now they call my job! I asked them never to call me at my job again on a recored line and they continue to call. I have gave them the police report number like they ask, and the Detective name and phone number, and explained to them that I have talk to them more than i talk to my own family cause they call me daily, more than once and now my job.
Product: Consumer Loan

closed the credit card paid in full and after a {$25.00} bill came in and I was never contacted or called on me. After checking my credit score I noticed a drop tremendously I called them and paid the bill in full. I 've tried multiple times to get them to remove it.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment with the numerous unsuccessful attempts to remove fraudulent items from your platform. Despite my repeated efforts to report these fraudulent listings, I have encountered significant obstacles and delays in their removal, which is deeply concerning. 

However, I regret to inform you that despite my persistent attempts, these fraudulent items persist on your platform for an unacceptable duration. This not only undermines the credibility of your service but also exposes your users to potential financial losses and other risks associated with fraudulent activities. 

Furthermore, the lack of transparency and communication regarding the status of my reports has only compounded my frustration. I have received minimal updates on the progress of my complaints, leaving me uncertain about the actions being taken to address these issues. 

As a valued user of your platform, I expect better accountability and responsiveness from your company in combating fraudulent activities. It is imperative that you take immediate and decisive action to improve the effectiveness of your fraud detection and removal processes. 

I urge you to allocate additional resources to expedite the removal of fraudulent items from your platform and enhance communication with users regarding the status of their reports. Implementing stricter verification measures for sellers and investing in advanced fraud detection technologies are also crucial steps to prevent the recurrence of such incidents in the future. 

Failure to address these concerns promptly will not only erode the trust of your user base but also expose your company to potential legal and reputational consequences. I implore you to take this matter seriously and prioritize the protection of your users from fraudulent activities. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

JPMorgan Chase bank has used abusive, deceptive, and unfair collection practices. I sent chase a notice of dispute and debt validation letter on XX/XX/2023, they responded with monthly statements on XX/XX/2023, which does not fulfill the requirements of validation or prove the alleged debt is owed pursuant to 15 USC 1692g, I then found several violations in the statements & docs sent by chase. I then sent a cease & desist and an affidavit of fact stating how I was violated along with evidence of violations & invoice for the violations. Chase bank failed to validate the alleged debt owed as well as knowingly, furnished an unvalidated debt on my consumer reports, they ignored my cease & desist, invoice, as well as my affidavit of fact. An unrebutted affidavit stands as truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX account XXXX XXXX, XXXX  account # XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was traded in at the end of the lease on XX/XX/2021 and the dealership who took the trade-in paid off my vehicle within the time Mercedes-Benz Financial Service provided yet Mercedes-Benz Benz Financial Service still reported XXXX  day delinquent on my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with Equifax since 2016 reference an account that does not belong to me. I have provide all letters notorized and FTC report and police report and they still refuse to delete these accounts from my credit report. I also provided this to the creditors and it was removed from the other bureaus but Equifax keeps stating that it was verified. There 's no way that is possible. They have betrayed us citizens by allowing people to have access to our information and then tried to cover it up. This is totally unacceptable and should be dealt with accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out letters to credit bureaus for accounts that I did not recognize and those reporting incorrect information. I have not received any correspondence from the companies or credit bureaus.
Product: Credit reporting or other personal consumer reports

I have sent the letter to the agencies mentioned and they denied my claim and said unjustified with no apprent reason
Product: Debt collection

Comenity Bank has violated the FDCPA by causing my phone to ring with an automated telephone call requesting payment of an alleged debt on XX/XX/2022 at XXXX and XX/XX/2022 at XXXX. These calls are a violation of 15 USC 1692c. Comenity Bank has sent me an electronic mail message and letters stating it was attempting to collect a debt, using its symbol in the communication ( an email ) which is a violation of 15 USC 1692b. Pursuant to 15 USC 1692b, Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) NOT STATE THAT SUCH CONSMER OWES ANY DEBT ; ( 3 ) NOT communicate with any such person more than ONCE unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Product: Checking or savings account

On XX/XX/XXXX I contacted N26 regarding a fraudulent charge to my account. I was told 10 days to resolve. Today is the 12th business day, and all I keep getting is the run around. Ive been told 13 days, 18 days.. and that theres no way to contact a dispute department. How is there no way for them to contact an internal department to provide me ( the customer ) with more information? Each new representative tells a different story. Ive even been told new procedures went into effect and at this point, someone needs to intervene.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXXXXXX XXXX Late Date XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE Account Number XXXX ACCT CLOSED XX/XX/2016 I have tried numerous times to have Capital One and the credit bureaus ( XXXX, XXXX, XXXX ) to  remove this account that has been negatively affecting my credit rating. I have paid that debt with Capital One and need it to be removed immidately.
Product: Credit card or prepaid card

My Barclay Banana Republic Mastercard had many unauthorized charges since middle year of XXXX. I called Barclay immediately as soon as I found out the issue in XX/XX/XXXX. As requested by me, they closed my account on XX/XX/XXXX. Their dispute department followed on all the unauthorized transactions, and resolved my issue by XX/XX/XXXX. My balance on XX/XX/XXXX was {$0.00}. By XX/XX/XXXX, I received credit card statement from Barclay which showed that my account was charged for {$60.00} by merchant named " XXXX XXXX XXXX XXXX, XXXX  '' on XX/XX/XXXX. On my XX/XX/XXXX statement from Barclay, it showed transaction of {$60.00} credit by merchant, " XXXX XXXX XXXX XXXX, XXXX  '' on XX/XX/XXXX. My balance was {$0.00} as of XX/XX/XXXX. On XX/XX/XXXX, I received statement from Barclay, which showed a transaction on XX/XX/XXXX of {$33.00} purchase by merchant named " XXXX XXXX ''. My balance on the XXXX statement was {$33.00}. I immediately called the Barclay 's customer service in XXXX, XXXX, and filed dispute for the charge of {$33.00}, since it was not authorized by me, and the fact that my account was closed. On XXXX XXXX, XXXX, I received statement from Barclay which had balance of {$65.00}. On the same statement, on XX/XX/XXXX, there was transaction of " Late Payment Fee '' of {$30.00}. In addition of XX/XX/XXXX, translation of " MINIMUM CHARGE '' of {$2.00} on the same statement in XXXX, XXXX. I called Barclay 's customer service on XX/XX/XXXX to file dispute of additional charges and reminder of previous XXXX, XXXX unauthorized charge.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : XXXXConfirmation of corrections made to the disputed items. 
XXXX.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
XXXXWritten confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Clarity services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

IVE SENT A CERTIFIED LETTER OVER A MONTH AGO AND HAVENT RECEIVED AN RESPONSE FROM THE COMPANY.
Product: Debt collection

Hello, I am writing this on XX/XX/XXXX. 

I was made aware by XXXX that I owe XXXX account balances of {$17000.00} & {$15000.00} to EdFinancial Services that were taken out in my name back in XX/XX/XXXX. I never signed for this loan or gave any consent to EdFinancial Services for these loans to open. Plus I have not made a single payment to EdFinancial Services the ENTIRE time this loan has been open because I had no idea that it existed until today. I was made aware though from both XXXX and EdFinancial that someone made a payment on the account XXXX months ago. I asked XXXX at EdFinancial if they can see the bank account information associated with that payment and they said the bank information for the payment was removed. I asked XXXX at EdFinancial if they could show any documentation proving that I signed and consented to this loan and they have nothing on file for me. I never took out that loan. She told me she would report it to their fraud department and advised me to call the police. I know the police will simply tell me this is a civil matter so I am proceeding to file a dispute by filing this complaint with the Consumer Financial Protection Bureau. 

The documentation I have to support this claim is NO documentation because there was literally never any documentation in the first place. EdFinancial couldnt provide me with any documentation either. When this loan supposedly began, my parents were in the middle of separating after 30 years of marriage and I was highly mentally unstable. There is NO WAY I signed anything for a loan during this time. 

Thank you
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 U.S.C 1681. Has Violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my XXXX XXXX, XXXX  and Experian credit report are fraudulent credit inquiries and not my credit inquiries : XXXX XXXXXXXX XXXX  XXXX, XX/XX/2021 and XXXX/XXXX, XX/XX/2021.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Product: Bank account or service

Wells Fargo close my account due to the filing of a cfpb complaint. Keep funds and did not disclose terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Breach. Equifax indicated that I might have been affected while my wife may not have been. We have no way to know ourselves and have zero confidence that Equifax knows. In accordance with guidance from your site, I placed credit freezes on both of our credit accounts with Equifax, XXXX and XXXX XXXX and XXXX charged me {$10.00} and {$10.00} respectively since we are residents of Texas. The net cost to us ( currently ) from Equifax 's breach is {$41.00}. I believe Equifax should be made to remburse any and all costs incurred by us to safequard our credit information due to their collosal