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

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXXXXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) I therefore legally request the DELETION of INACCURATE items from the PERSONAL INFORMATION section of my credit report with your agency. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Product: Credit card or prepaid card

Capital One will not let my XXXX application monitor my Mastercard Platinum. This application is used to help track my budgeting and I need them to allow me access.
Product: Checking or savings account

I tried to open checkings account but I was denied do to a false statement by us bank
Product: Debt collection

I am received numerous call to my job, and threatening calls to my cell phone. Which I agreed to pay the loan off on XXXX XXXX, 2015. XXXX ask told me to get a better job to pay bills I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any confirmation on how you have validated the alleged account attached in Exhibit A and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ***** ( copied from the affidavit attached ) ******
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4100.00}, XXXX ( Date Opened XX/XX/XXXX, Balance : {$7400.00} ), XXXX ( Date Opened XX/XX/XXXX, Balance : {$7400.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$1100.00} ), XXXX XXXX ( Date Opened : ( insert date ), Balance : {$1200.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$340.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2800.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2800.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit companies show that I am reported as a deceased person I have no fico score
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because XXXX XXXX XXXX XXXX XXXX open date is not reporting correctly, date last activity, date of last payment is not correct, this account is not accurate XXXX  XXXX XXXXopen date is not reporting correctly, date last activity, date of last payment is not correct, this account is not accurate I also got the investigation back but noticed nothing was modified or updated So I requesting a description of the reinvestigation and they do not provide me which is a violation of 15 USC 1681i7.

Violation of 15 USC 1681i ( 5 ) They have not responded to me here is my tracking number : XXXX that was sent certified and someone signed
Product: Credit reporting, credit repair services, or other personal consumer reports

attached is the CERTIFIED MAIL FROM USPS XXXX. Transunion is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Debt collection

I paid {$170.00} to my doctor 's office on XX/XX/XXXX ( cleared bank and posted to medical office account on XX/XX/XXXX ). This is a debt which I still believe is not owed but was willing to make payment so that it would not be reported on our credit report. 

Received 1st letter from Receivable Recovery on or near XX/XX/XXXX. Called the agency and informed them I did not believe I owed the debt and requested records from BOTH Receivable Recovery and the doctor 's office. I also informed Receivable Recovery that I would make payment in the meant time. To date, I have not received records from either entity. 

Received a call yesterday from Receivable Recover. Called them back and they told me I had not paid yet. ( Note that I had received multiple calls each day for a XXXX # with no voicemail on the Friday and Monday prior to speaking with them ). I informed them they were wrong and the operator proceeded to be very rude with me. I requested a supervisor and was sent to the voicemail. Immediately called the billing company for the doctor and was told that they showed the bill paid and that notice had been sent to the collection agency to that point. She assured me that they would send a second notice of payment to Receivable Recovery. 

Received another call today from Receivable Recovery that they had just received notice that the debt had in fact been paid in XX/XX/XXXX and to inform me that they were processing a deletion since it had been reported to the credit agencies. I am furious that this has been reported as the matter had been correctly taken care of. I spoke to a supervisor who was of absolutely no help. He basically said " We reported it, we are asking for a deletion, its over, not sure what you want me to do about it. '' I believe that this agency uses fraudulent practices in trying to collect debt. They are harassing and not willing to do what is asked of them. To date, I still have not received any documentation from them proving that we were notified that we had a past due balance with the doctor and would be sent to collections, nor that Receivable Recovery had attempted to contact us prior to the letter received in XX/XX/XXXX. ( They claim a letter was sent in XX/XX/XXXX. ) I was also informed by the supervisor that he did see where I had request an itemized statement, and that they had requested one from the doctor 's office ( because they accept files for collection WITHOUT a copy of the bill ), but that they never received it from the office. 

I maintain that I followed what was expected of me in 1 ) disputing the amount in question and 2 ) making a payment in the amount in question to the doctor 's office in order to prevent this from being reported while we tried to clarify the situation and Receivable Recovery did not do as they promised by reporting this to the credit agency while the debt was in dispute.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have been opened or made in my name without my authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and deleted from my credit report. 
Fraudulent Accounts : XXXX. XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$1900.00} XXXX. XXXX XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$620.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company has been unresponsive in my pursuit of the reconciliation of this fraudulent debt
Product: Debt collection

I have been notified by my employer that FIA Card Services, the successor company to MBNA, both of which are or were a wholly-owned subsidiary of Bank of America, is attempting to garnish my wages in the amount of {$530.00}, for an unsecured ( credit card ) debt on which no payment has been made ( original default was longer than 12 years ) for over 12 years, which is time-barred from collection in my state ( Virginia XXXX, after 6 years and violates the Fair Debt Collection Practices Act ( FDCPA ). I also received no notice of legal action from, in, by or in regards to the courts of my residence which is XXXX County, Virginia, from FIA Card Services, via any process server, law enforcement personnel, or other on behalf of FIA Card Services, nor via any official communication from XXXX County General District Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter to the credit reporting bureau regarding inaccurate and unknown items I discovered on my credit report. As of today, XX/XX/2021 ( 50 days later ), I have yet to receive a response. At this point, I am starting to feel as if my concerns and requests relating to these items are being ignored. As mandated by federal law, failure to investigate disputed items within 30 days results in the immediate removal of those things from my credit report. Since it has been 50 days, they should be deleted promptly. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified documents in the mail no response. I was told they didn't know where they were for me to resend them again.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I asked all 3 credit agencies to do a proper investigation into these accounts and when found to be not mine which in fact the are not, I then ask for them to be removed expeditiously. Equifax did there investigation and removed these accounts. Mean while the other keep trying to tell me that this debt has been verified with no proof to show that it was and now they, ( trans union, and Experian have asked me for information in which o sent to them and still have not heard back nor have the fraudulent accounts been removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit card for my business purpose, reasons didn't make any sense from creditor, inquiry needs to be remove immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened this account in early XXXX and closed and paid this account in XXXX/XX/XX/2019. I noticed on my credit report that the account was still showing I owed a balance of {$870.00} and a monthly payment of {$150.00}, as well as saying I was late two or three times. This information was incorrect, and I emailed them and called on the phone. They asked me to provide proof so I attached pictures of my credit report. They told me it would be fixed, it was inaccurate and would be updated on XX/XX/XXXX. I waiting over a month, and checked my report to find that all reporting agencies had updated except XXXX. I reached out to XXXX filed a dispute and submitted documents to them showing proof the information was inaccurate. On XX/XX/XXXX XXXX said the documents were verified Accurate. I find out today, the last time Self Lender reached out to them to update information was on XX/XX/XXXX, and have not actually check any accuracy on my account. Mind you my email correspondence with Self Lender was on XX/XX/XXXX. Since then there has been no luck, and XXXX should have deleted the account because falsely stated it was verified accurate, when they never spoke with Self lender to verify it's accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried working with the company to resole the issue however they are not willing to resolve this issue. I have a few hard inquiries from credit plus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Consumer Loan

I had a 3-year lease with Kia for a XXXX Kia Sorrento that concluded on or about XXXX XXXX, 2016. The vehicle was returned on time, without damage and under mileage. All payments were made on time during the life of the lease. At the conclusion, I was invoiced the {$400.00} disposition fee as per the lease contract. I called Kia finance on XXXX/XXXX/16 and asked them to waive the disposition fee, but they declined. The reason I requested the disposition fee to be waived is because of repeated failures with the vehicle 's operation. Within the first few months of taking ownership of the vehicle, it started having problems with the electrical system, most notably that the voice-dialing feature of the hands-free system did n't work properly. I brought it to the dealership ( XXXX Kia in XXXX, OH ) more than once and asked them to fix it, but they were unable to. On the last instance, I had the technician sit in the car and was able to re-create the problem for him and his response was " Yep, that 's a problem, good luck with that. '' I did n't press further as I was willing to overlook this as a singular, one-off problem. However, about 18 months later, the car started having problems with the remote starter that XXXX installed prior to me taking ownership - including several instances where I drove the car and when I attempted to turn it off & take the key out of the ignition, the engine kept running. I again took the vehicle to the dealership but they were unable to find or recreate the issue. Finally, just a few months before the lease expired, I was driving XXXX mph on the highway and the car completely shut off and I had to pull to the side of the road. I took it to the dealership again, but they were unable to find any problems or recreate it. I finally turned in the vehicle at the end of the lease and will not be doing business with them again. I asked the people at Kia Finance to waive the disposition fee as a sign of good faith and they declined. I will be paying the fee so as not to have it go to collections, but I think this should be investigated further as the company was repeatedly unwilling or unable to resolve multiple safety issues with the vehicle they leased to me.
Product: Student loan

I was enrolled in a paramedic degree for several years. After taking many classes I reached a point were I was denied access to finish classes because of my criminal history from 10 years prior. I was told by the school I could no longer pursue my degree and had to switch. I am now in debt for classes I took that have no value and have to pay for them not knowing from the beginning I wouldnt be allowed to finish my degree I started.
Product: Credit reporting or other personal consumer reports

This CFPB complaint is filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian credit reporting agency block the information on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. The fraudulent and inaccurate information includes : 1. An auto loan account opened with XXXX in XXXX under account number XXXX. 
2. An auto loan account opened with XXXX XXXX, in XXXX under account number XXXX. 
3. A personal account opened with XXXX XXXX XXXX XXXXXXXX, under account number XXXX. 
4. A collections account with XXXX opened on XX/XX/XXXX, with a balance of {$690.00}. 

These fraudulent accounts have caused multiple unauthorized hard inquiries and fraudulent collections to appear on my consumer FICO credit report. I have attached a list of the disputed hard inquiries and a copy of my credit report maintained by your agency, which highlights the fraudulent items. 

I do not recognize these accounts, collections, or hard inquiries. None of these accounts, collections, or inquiries were opened, initiated, or authorized by me. They are entirely the result of identity theft and fraud. 

Additionally, I have included a copy of the FTC Identity Theft Report, Case # XXXX as evidence that the listed accounts, collections, and inquiries are the result of identity theft. I request that all fraudulent items be removed promptly, as required by law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( a ) ( XXXX ) infringed upon a consumers right to Privacy. I received the letter with my dispute results from XXXX, XXXX, and Experian and I need to know WHY these accounts are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with your Agency for the purpose of filing a complaint with your agency.
Product: Payday loan, title loan, or personal loan

Business took payments early creating an overdraft on bank account that until today still trying to make my bank account positive.I know I owe them around {$500.00} which will get paid off as soon as I can..and Please They need to stop harrasing me with 5 phone calls per day and calling my employer Whenever I don't answer my cell phone is because I Can't.. I can not attend collector phone calls while on duty hours which is from XXXX  to XXXX  then go to my second job XXXX  to XXXX .Thank you for you understanding.!
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. 

XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX, XXXXXXXX XXXX XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX 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 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: Student loan

first mark ( telnet ). i have been trying to setup auto debit over the past 3 months, ( i have now called at least twice each month ). but each time i am assured by the CSR after attempting to do it online that it has been setup appropriately, it is still not debiting my bank account. i don't understand why it takes more than 3 months and more than 6 phone calls to get auto debit setup.