23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Fraudulent Debt Collection Related to Identity Theft ( XXXX ) To Whom It May Concern, I am writing to formally file a complaint regarding a fraudulent debt that has been repeatedly sold to third-party collection agencies by XXXXXXXX. This situation has caused significant stress, harm to my credit score, and an ongoing cycle of harassment from debt collectors over a debt that is not mine. 

Summary of the Problem 1. I have received debt collection notices from three separate agencies : - XXXX - XXXX - Source Receivables Management ( most recently on XX/XX/XXXX ). 
The debt amount is {$4100.00}. 

XXXX. This debt stems from a fraudulent XXXX  account ( Account # XXXX ), which was opened on XX/XX/XXXX using : - Phone Number : ( XXXX ) XXXX - Address : My previous address in XXXX, TX ( XXXX have not lived there in over a decade ). 
Furthermore, this account was opened in New York, a state where I have never lived, and I have never owned a XXXX account. 

XXXX. I have made significant efforts to resolve this : - I filed police reports on XX/XX/XXXX and XX/XX/XXXX with my local sheriffs office. 
- I submitted fraud dispute forms via XXXX XXXX XXXX website ( XXXX XXXX XXXX XXXX XXXX twice ( once in XXXX and most recently a week ago ). 
Unfortunately, I never received a response from XXXX on either occasion. 
Impact on Me 1. Credit Damage : This fraudulent debt has negatively impacted my credit score, despite my repeated attempts to resolve the issue.

2. Time and Stress : Resolving this has consumed hours of my timeincluding visits to a XXXX  store where employees attempted to contact their fraud department, only to discover it had been dissolved. Despite these efforts, I received no meaningful assistance. 
XXXX. Repeated Harassment : The debt collection agencies, while more responsive than XXXX, continue to reach out, perpetuating the issue. 

Request for Resolution I am asking for the following actions to be taken : 1. Removal of this Fraudulent Debt : - XXXX must acknowledge that this account is fraudulent and stop selling the debt to third-party collection agencies.

2. Restoration of My Credit : - All negative credit impacts related to this fraudulent debt must be removed. 
XXXX. Accountability from XXXX XXXX XXXX XXXX must take responsibility for its role in mishandling this fraudulent account and provide a clear pathway for resolving disputes. 
XXXX. Assurance of Non-Recurrence : - Prevent further sale of this fraudulent debt and provide written confirmation of its resolution. 

Conclusion I have provided all necessary documentation, including police reports and submitted fraud forms. I am requesting that XXXX and the CFPB step in to resolve this issue promptly to prevent further harm. 

Thank you for your attention to this matter. I am happy to provide additional documentation if necessary. 

Sincerely, XXXX XXXX
Product: Debt collection

On  XXXX / XXXX / XXXX  I received several phone calls from a number I did not recognize  XXXX   XXXX   XXXX   XXXX . I called and gave the person that answered the phone my name ; company identified as  ARA.  They transferred me to someone that called me by my maiden last name and repeated to me my full social security number. They asked if I had  a MasterCard wit h an outstanding balance of $  XXXX . I told them I did not know what they were talking about and from when. I was transferred again to a  XXXX   XXXX  who informed me that she was collecting a debt from a MC from  XXXX  and that if I did not pay they were filing a lien on me i n the county that I lived in and liens against all of my credit cards ( Naming my credit cards and the li mits on each ). I explained that I paid off this debt and I had the proof at home, that I was currently at work. She said she could only hold the account for  24 hours. I said this was the first I have heard about this and how can she lien me when I have heard nothing about this. She said that they would only give me 24 hours before they started garnishing my wages. I told her that I would get my attorney on th e phone and they could speak to her and she said ok. When I attempted to give her the name and number of my attorney she said she could not speak to her and my attorney needed to call  XXXX   XXXX . I had my attorney call the company and they said they were unable to speak to her and requested her bar number. They said I could call back and give her permission to speak to them or fax them a verification. My attorney advised me not to call these people back and after research we have found that they are scammers. They had all of my personal information including my complete social security number and they fraudulently demanded payment on a debt that was paid.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following negative items listed on my credit report : XXXX XXXX XXXX - XXXX - {$95.00} These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in a non-fault-accident which caused my car to be totaled. My insurance company paid XXXX XXXX XXXX which left me with a XXXX On my contact I purchased XXXX  ( XXXX XXXX XXXX  ) meaning they would take care of the remaining balance. XXXX continue to send me monthly statement via XXXX and I was making those payments. A charge off occurs 90-120 days off non-payment. I have the payment history. This account should be reported as paid in full as agreed but its reporting as a paid charge off which is false. I disputed with XXXX, Transunion, and XXXX, and XXXX XXXX XXXX many times and the account is still reporting as a charge off. The account have no past due amount and no late payment and still reporting as a charge off. 

Violation 1 : Under 15 U.S Code 1666 ( b ) ( 4 ) billing error - ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

Violation 2 : Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments there should be no late payments on this account/charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted gm financial numerous times about incorrect information on my credit report that their company is responsible for reporting. GM FINANCIAL IS REPORTING FALSE AND inaccurate information to the credit bureaus. GM financial is in violation of the Fair credit reporting act.
Product: Credit reporting or other personal consumer reports

I am writing to urgently address the removal of certain unauthorized inquiries from my credit report. Upon thorough review, I have identified two inquiries that were conducted without my consent, and I have no recollection of engaging with the respective creditors. 

The unauthorized inquiries are as follows : Creditor Name : XXXX XXXX XXXX XXXX Inquired Date : XX/XX/year> I must emphasize that neither XXXX nor XXXX, nor any other credit bureau XXXX have listed this inquiry on my report. I urge you to confirm this deletion with the bureau. Failure to do so will leave me no choice but to pursue legal action against your bureau through a lawsuit. Additionally, there are incorrect dates showing on my transitions, further verifying my claim that I did not apply for the hard inquiry. 

It is imperative to rectify this matter swiftly to maintain the accuracy and integrity of my credit report. Neglecting to address these unauthorized inquiries promptly may compel me to take legal action to safeguard my rights under the Fair Credit Reporting Act ( FCRA ). 

I trust that your agency recognizes the gravity of this situation and will take immediate action to rectify it. By expunging these unauthorized inquiries, you will fulfill your obligation under the FCRA and demonstrate your commitment to providing accurate and dependable credit reporting services. 

I kindly request acknowledgment of this letter and confirmation of the removal of the unauthorized inquiries from my credit report. Your cooperation in resolving this matter promptly is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past year Ive tried with the credit reporting agency Experian to clear up misreporting to include sending my identification, copy of social security card, copy of name and social security verification letter from the social security administration to no avail, because its not about accuracy with this credit reporting company its about who they can keep charging for reporting. 

Two its on my credit report have been disputed as inaccurate information, a bankruptcy and a charge off of a vehicle loan that was previously removed under XXXX XXXX XXXX XXXX and reinserted under the name of XXXX. 

The bankruptcy listed on my credit report defines credit fraud, while I provided a letter from agency that Experian uses to verify public record information which stated I dont have any bankruptcies, Experian continues to report and say they verified the information which isnt true at all, particularly because the person using this information has a social security reported as XXXX, which isnt mine which is XXXX. So verification by last XXXX isnt sufficient. 

The record of XXXX shows another name not mine that has been verified as true by the CRA, but inaccurate in its actual info doesnt verify to me as reporting. 

The reporting of a XXXX  XXXX credit card, while the reported action is inaccurate but it violates the customer privacy act reporting act by giving this provided info
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX  DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX  DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX  DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX  DATE OPENED : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed a lease to an apartment, and the building was sold to a new owner ( XXXX XXXX @ XXXX ) halfway though the year. I requested to be let out of lease due to breach of contract and poor services rendered and had a signed legal agreement between myself and the new owners and our respective attorneys all together nullifying the agreement. The disgruntled manager still reported it to collections ( National Credit Systems ) and onto my credit reports at all 3 bureaus. I disputed it with National Credit Systems and provided attached documentation and with XXXX and XXXX, and they dropped it from my report, but XXXX will not. After several unsuccessful tries they won't allow me to file anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment update from my account within 15 days, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 90 days late payment. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

Someone first has charged something on my account in XXXX, New York. However I live in XXXX, Va. Fraud company called my phone to shut the card down. That was successful. Then another card was opened in my name. This caused me to believe that someone has my security number. This is why Im making this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit monitoring alert regarding a collection account on XX/XX/2022. Thought it was a mistake, so I didn't follow up at the time. During a vacation in XX/XX/2022, I was denied the ability to open a charge card. Upon return home, I requested copies of all three consumer credit reports. XXXX was accurate with the exception of one wrong mailing address. XXXX and TransUnion reflected several names, addresses, accounts which were not mine. I notified both of the errors. XXXX corrected the errors on my report. TransUnion corrected some but not all. I filed a dispute after again begin denied the ability to open a new charge card. Data regarding a different person ( not me, and not related to me in any way ) continued to appear on my TransUnion credit report, although the dispute findings continued to reflect " verified as accurate. '' I continued to file disputes with TransUnion, and also notified the credit card company, XXXX regarding three accounts opened that were not mine, but tied to my social security number. These were eventually sold to XXXX XXXX XXXX, and later written off. I also followed up with XXXX XXXX XXXX. The XXXX fraud division eventually confirmed that the three accounts in question belonged to someone else, as did XXXX XXXX XXXX. I again filed a dispute with TransUnion to remove the inaccurate data from my record, which they continue to include as accurate as of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with Equifax on inaccurate reporting on my credit report. They have been updating the assigned date on a alledged collection from XXXX XXXX XXXX everyday for the past 6 weeks that I'm aware of ( maybe longer ). The original creditor is also inaccurate, as well as the status. I called XXXX to see if they had a problem with there system and they say no, the information that they receive comes straight from the Credit Bureaus.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Claim Denial Case # XXXX I am submitting this complaint regarding **XXXX  XXXX XXXX XXXX of my fraud claim related to my account ending in XXXX. The claim, was denied without adequate justification or proper resolution. 
Details of the Issue : XXXX. XXXX XXXX : ** XXXX XXXX. **Amount Disputed : ** {$460.00} XXXX. **Reason for Denial : ** XXXX  XXXX XXXX XXXX the charge is consistent with previous charges with this merchant. However, this charge was unauthorized and fraudulent. Additional Evidence : I have filed a police report regarding this fraudulent charges and am attaching a copy of the report with this complaint. This further demonstrates the seriousness of this matter and supports my assertion that the charge was unauthorized. 
My Concerns : Insufficient Investigation : XXXX  XXXX XXXX XXXX on historical transaction patterns is not a valid justification for denying a fraud claim. The circumstances of these specific charges must be reviewed independently. 
Lack of Transparency : I have requested documentation supporting their decision, but none has been provided. I believe this is a violation of my rights as a consumer under the Fair Credit Billing Act ( FCBA ). 
Impact on Credit : XXXX  XXXX XXXX has added a comment to my credit file that I disagree with XXXX  XXXX XXXX decision, but this is not an adequate resolution. The disputed charge must be removed entirely. 
Desired Resolution : XXXX. Re-open and re-investigate my fraud claim. 
XXXX. Provide all documentation and evidence reviewed during the original investigation. 
XXXX. Permanently remove the disputed charge and ensure it does not negatively impact my credit report. 
XXXX. If the bank can not prove the validity of the charged, they must delete these charges from my records immediately. 
I trust that with the additional evidence provided, including the attached police report, this matter will be resolved fairly and expeditiously. 
Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX
Product: Bank account or service

On Saturday XXXX/XXXX/2015 at about XXXX I deposited a check in the amount of {$5000.00} ( XXXX XXXX ) via the ATM at Bank of America branch at XXXX XXXX XXXX, XXXX XXXX, NJ. The ATM machine after several minutes gave a reading : " Item Rejected ''. After several more minutes waiting for further instruction or the return of my check ; I pressed the 'cancel ' option. the ATM machine made a processing sound and then went back to the BOA home screen. I called Saturday and was transferred to at least XXXX other departments. Ultimately, i was advised that the only option was to wait 10 days as the law permits them, whereby they would credit the {$5000.00} to my account. this is very fishy. I relied on their ATM machine for every external deposit made. I was told that I have not made deposits of that size prior. I ask what does that have to do with the bank holding up my resources? I informed them that they have a responsibility to me and they are not for-filling that obligation. I also informed that the ATM machine does not have a notice advising people to 'use at your own risk '. Finally, I have attempted to deposit a 'stale dated ' check and the machine rejected it and kicked it back to me. Please help to resolve this matter. If it is determined that BOA has deposited my check in an 'unknown account ' I am asking that they compensate me with triple the interested and benefits that they have acquired. Thank you, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is unjust that XXXX businesses can have access to such personal and potentially damaging information such as my Social Security XXXX, and be so careless with the security of these sensitive materials. Even more unjust is that in the wake of their negligence, we the consumer, must pay $ XXXX- {$10.00} simply to institute a credit freeze, which at this point is a syringe of water to extinguish the forest fire that is our lack of adequate protections. 

If a credit freeze is my only option in the wake of these companies ' negligence to properly secure our information, then it should at least be free.
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly check my credit report and noticed that there are errors and false misleading information for individuals accounts and didnt meet the credit reporting standards of being XXXX correct. This information has effected my life and damaged my livelyhood. 

This is holding me back from getting approved for a house. I am demanding CFPB to enfore the correction and delete these items. I XXXX XXXX XXXX is authorizing this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act XXXX XXXX account # XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account without written instructions
Product: Credit reporting or other personal consumer reports

Subject : Cease Unauthorized Credit Reporting Immediately Reference to FCRA and North Carolina Identity Theft Laws Dear OPPLOANS/XXXX XXXX, I am

writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and North Carolina Identity Theft laws , specifically North Carolina General Statutes 75-60 . It has come to my attention that OPPLOANSXXXX XXXX has

engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as per the FCRA, mandates that consumer consent is a prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ). In addition to federal law, North Carolina state law, particularly North Carolina General Statutes 75-60, stresses the necessity of consumer consent for credit reporting and underscores the severity of unauthorized access and misuse of personal information. I assert that I have not provided consent for OPPLOANSXXXX XXXX to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, potentially damaging my creditworthiness and showing a disregard for federal and state laws. 

I demand that OPPLOANSXXXX XXXX immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and North Carolina Identity Theft laws. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft laws. 

Obtaining consent is not optional but a legal obligation under these sections of the FCRA and North Carolina state law. This is not negotiable ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I expect your immediate attention to this matter and urge OPPLOANS/XXXX XXXX  to promptly rectify these violations, respecting my rights under federal and state laws.