23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I'm reaching out regarding a concerning issue with my credit file. I've noticed a collection entry from your agency that has caught my attention, as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate actions to address this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice. While several FederaXXXX laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXXXXXX loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted. 

The FCRA ( federal law ) says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries. And when I challenge these inquiries, it's called opening a dispute. The company pulling the consumer credit must provide documented proof, for example a document with my signature on it, that I authorized and provided consent for the hard inquiry. If your company fail to provide this documentation, then XXXX, XXXX, and XXXX must remove these inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  has on my credit file this credit card. 

I never applied for this card nor giving my personal information or requested no XXXX XXXX XXXX. 

XXXX needs to provide proof of me applying for this card signatures and all charges made by me signatures ETC I never made no charges on any discover card or applied.
Product: Credit card

I was without phone access during a XXXX XX/XX/2016 and missed a credit card payment through TD Bank. I set up an automatic payment but it never went through. When I returned, I fixed the situation by calling card services and they waived my interest fee and my late fee. Since, on my credit report it still says that I have missed payments which I had waived. I have called card services to try and get everything taken care of and they are not helping to get this removed off my credit report. Also, TD card services sent me a letter in the mail lowering my credit from XXXX to XXXX because I used my card too often. The reason I used my card to often is because in XX/XX/XXXX I had some identity theft on my debit card and live no where near a branch office to get a new one so the advisor told me to use my credit card that I paid off just as it were a debit card. I have kept up with this card making double payments repeatedly and this is severely effecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Per

Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that  is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I

have several issues with how the department of education default resolution group is reporting my student loans. 1st the originator of the loan reported it as one tradeline. The subsidized and unsubsidized portions are parts of one agreement and interest and terms were a  package deal. See credit report showing fed loan Servicing reporting ONE tradeline for a to
tal of XXXX  and change.

The depa
rtment of education default resolution group is reporting TWO tradelines that add up to original loan amount. The document attached was found on the Department of Education website and defines some ground rules regarding CONSISTANCY, servicers required to use same basic framework, Borrowers and
creditors will be able to follow payment history easily, even when servicers change ( XXXX XXXX indicates a transfer but does not say to whom ... default resolution group does not indicate it was transferred and even further deliberately disguises it by splitting and giving different account numbers misleading creditors to believe they are 3 unrelated trade lines instea

d of one that was transferred. This is an inaccurate representation of my credit. ) In addition The default resolution group has continued to add charge offs to a closed account! This is against fair credit reporting. If lates do not begin till 120days and closed within one year there could only possibly be 8 charge offs with them. Even if they reported lates or charge offs at 30 days it would be a maximum of 11! See picture showing 32! I believe they are trying to report for time t
hey did not even own the debt! 
XXXX XXXX XXXX reported their own lates/ charge offs. This is double jeopardy.

Retention in NY is 5yrs instead of 7. Please remove. You can verify this with the bureaus directly.

Furthermore I was given an ultimatum to accept a quid pro quo deal. They will only correct how they are reporting if I rehabilitate the loan. I do believe this is against the law. I will file a foil request to get a copy of conversations that representatives made this offer again and again. 
XXXX XXXX ( XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My jet blue credit card has been apart of the data breach. I want it to be removed from my credit. I stop paying it because I noticed these charges aren't mine and they eventually send it to a debt collector. The account is now close and debt collector continue to call me about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX- XXXX XXXX The date of first delinquency with the original creditor is not reporting and according to the FCRA, Section 623, A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon finding fraudulent activity on my credit profile I filed a report with the FTC ( included ), The following inquiries were never made by me. No true 'verification ' was made. When attempting to remedy the problem with them, they are still reporting the fraudulent information. In direct violation of my right as a consumer. This is my final attempt to handle this issues through the proper channels before I seek legal counsel and ensure my rights are respected, and upheld. 
Unrecognized activity include the following inquiries : Signature Payments XX/XX/2023 XXXXXXXX XXXX  XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of an unauthorized account on my credit report. I am a victim of a recent data breach, and under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am entitled to request this action due to the fraudulent use of my personal information. 
The account in question is as follows : XXXXXXXX XXXX XXXX Partial Account Number : XXXX - Opened : XX/XX/year> - Balance : {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX, XXXX XXXX Balance : {$4000.00}, XXXX XXXX XXXX Balance : {$9800.00}, XXXX XXXX XXXX Balance : {$2600.00}, XXXX XXXX Balance : {$9900.00}
Product: Checking or savings account

Navy Federal credit Union charge you three times online {$29.00} adding up to {$87.00} something that I did not authorize a charge that didn't authorize on my account and I had to pay it
Product: Checking or savings account

I am being charged for items and service never authorized by me. I never booked a hotel with XXXX. Wells Fargo is saying it was done online. Which I havent done business with XXXX. There was a couple of charges that I am being charged for that I did not do or even attempt to do I have been a victim of identity theft and have reached out to Wells Fargo several times and they keep denying my claim.
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my social security number has been compromised, resulting in identity theft. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter. 

Under 15 USC 1681c-2 c ( a ), you must block and remove all fraudulent information from my credit report within four business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : ACCOUNTS BEING CHALLENGE : XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX 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 XXXXXX/XX/XXXX If you fail to respond promptly, I will seek damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution.

Additionally, I am aware of delays in processing consumer disputes and challenge your belief that third-party assistance justifies such delays. This is a violation of 15 USC 1681i, and any delay will be forwarded to my attorney. 

Please acknowledge this letter and provide a timeline for resolution.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For these Violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

These loans are not mine THEY DO NOT BELONG TO ME I HAVE NOT SIGNED OR APPROVED THESE LOANS I DO NOT KNOW WHY THEYWERE TAKEN OUT OR WHY UNDER MY NAME OR WHO USED MY INFORMATION THIS IS NOT MY ACCOUNTS. I HAVE BEEN GOING THRU WITH ALL THE BUREAUS AND NOTHING HAS BEEN DONE!!! I HAVE OPENED AN FTC AND NOTHING IS HAPPENING> Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account
Product: Credit card or prepaid card

Citibank charged me a late fee for a late monthly payment. My credit card payment is due the XXXX of every month by XXXX Easter time. I live in California and made my payment XX/XX/XXXX at XXXX. Citi bank tells me I made that payment at XXXXXXXX XXXX  on XX/XX/XXXX ... not correct, I have record of my call when I made my XXXX XX/XX/XXXX. I havent checked my history payment dates but now wondering how many months I may have been charged late fees when payments were made by the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

On my Equifax credit report, the current/previous addresses listed include XXXX XXXX XXXX, XXXX PA. However, I have never lived at this address. This individual is related to me, but he is not me *and* I 've never lived at this address. I would like to have the erroneous address removed from my report so that I do n't ever end up with incorrect information associated with my credit report. 

I request that XXXX XXXX XXXX XXXX PA be removed immediately from my credit report.
Product: Money transfer, virtual currency, or money service

This company claims they advanced me {$51.00} in XXXX. I let them know that I dispute the charge and do not know them, due to identity theft. 
I asked them to send me anything regarding me or money they think I owe to my house as is my right as a victim of id theft. In response I got a collection email. 
I sent them back a more pointed email asking for the same thing and telling them that they are violating the FDCA, and Sent them a notice to furnishers with their rights and mine. 
I also copied CFPB, FTC, XXXX, XXXX, and XXXX on my second email. 
I just got their response, another collection email. 
XXXX and XXXX have been emailing me multiple times a day with the same message since XXXX. I didn't see all of these emails because they were going yo my junk folder... where they belong. 
They have no provided a single piece of what I've asked them for and I've let them know a few times now that they are violating thr FDCA.
Product: Debt collection

I rcvd a call on XXXX XXXX that I had made a complaint about to your company XXXX, and after making that complaint I rcvd 2 more calls from the same company and spoke to the same lady. my first complaint # XXXX. In the 3rd call she calls me directly instead of me getting a call and getting transferred to her. She lied about her name and acted as if she had reviewed her 2 previous calls to me and was going to help me make a complaint about it. I have the 3 phone calls recorded. These companies and trying so hard to deceive and bully the people they call.
Product: Credit reporting or other personal consumer reports

I am writing to formally request immediate action concerning an identity theft incident that significantly impacted my financial well-being and credit report. In 2023, a data breach exposed my Social Security number, medical information, driver 's license number, and other sensitive information. I discovered through Experian that my personal information, including my Social Security number, had been compromised and was being sold on the dark web. This breach led to unauthorized account changes and fraudulent credit inquiries and loan requests that remain unresolved on my credit report. 

Despite multiple attempts to rectify these issues, my credit score has not improved due to the erroneous and unauthorized entries. I have contacted XXXX and other credit bureaus, provided documentation from the FBI, the Federal Trade Commission ( FTC ), and the IRS, and submitted multiple police reports. However, no corrective action has been taken. 

The fraudulent activities, including unauthorized cell phone accounts and student loans, have severely impacted my creditworthiness, hampering my ability to secure necessary credit. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to ensure the accuracy of the information on consumer credit reports and are required to investigate disputed entries. The lack of action to address these fraudulent entries is a violation of my consumer rights. 

The FTCs identity theft recovery report mandates the removal of erroneous information from my credit report. Additionally, cases such as *XXXX XXXX XXXX* have established precedents where consumers successfully sued credit bureaus for failing to correct inaccuracies resulting from identity theft. As a consumer, I have the right to accurate credit reporting, and the failure to rectify these errors warrants accountability. 

Therefore, I demand the immediate removal of all fraudulent entries and inquiries from my credit report. I also request the correction of my credit score to reflect accurate information. Failure to comply will result in further legal action to hold the responsible parties accountable. 

I will continue to contact regulatory entities such as the FTC and the Consumer Financial Protection Bureau ( CFPB ) to ensure my rights are upheld.
Product: Credit reporting or other personal consumer reports

There are hard inquiries on my credit for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize any of these inquiries they are all in the same year and less then one to three months apart which does not make sense. 
Also I have hard inquiries for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX same activity same year months apart that I did not authorize and would like to have them removed/delete from my credit report immediately.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from, my credit reports. List all those negative accounts from your Equifax credit reports.
Product: Credit reporting or other personal consumer reports

I settled my account with Avid Acceptance and was told that the account would be accurately updated and that I would receive a SIF Letter. I did receive the XXXX Letter but it was updated to credit as XXXX time payment {$100.00} and I SIF for {$500.00} but still showing as a charge off. Disputed it with all XXXX credit bureaus and was told upon completion of the investigation it was being reported accurately in which is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical Bill with XXXX XXXX XXXX ( XXXX XXXX  Medical Center ) at XXXX XXXX XXXX, XXXX, GA XXXX, Phone XXXX and XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX., XXXX FL XXXX phone XXXX Medical Services were around XXXX XXXX, 2016. Payments have been and are currently still being made as agreed {$10.00} / 2 weeks. All payments have been tendered by creditor and is now being reported as negative on my credit report. XXXX XXXX XXXX Acct. # XXXX XXXX  Acct. # XXXX