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

This is my 2nd letter 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 an alleged identity theft. 
If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. 

This item/account is unknown to me. Also, the information you provided on some item is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some item is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2008 Balance : {$20000.00}
Product: Credit card

You have denied me for no reason. All reporting agencies have been notified and their response & or complaints are public record and can be viewed by using the information attached. I also contacted them via phone immediately after the denials and was told that EVERYTHING on this report across all bueros is correct and they have or will be updating information if necessary. When I tried to show proof I was told " reconsidering is not an option '' " try again in 30 days- 6 months '' " it's a final decision and the results are automated '' " there is no department that can double check ''. I have proof of everything on the reason why list being inaccurate BUT yet I can't even show it to anyone in this company because AI clearly rules it. That is illegal & unjust! I am a PRIME credit candidate and take my time, word, and finances very serious. Denying me without validated factual reason is deformation and a criminal act. I will file Suit if a reconsideration based off the attached report ( most up to date at the time of my application ) is not used in the decision process.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX Day of XXXX I went to XXXX XXXX XXXX XXXX I was told on my credit report I have numerous alias names, like XXXX XXXX XXXX or XXXX, what kind of nonsense is this. This is not me, nor has the Credit Bureau reached out to me, or proven who this person is. I also was told I have numerous addresses that are incorrect and my job information is incorrect. I have called Experian at # XXXX and XXXX XXXX. 
I have been calling this number for 4 days to no avail. I have never used any of these names in my entire life. I have even found accounts of men posing as me on my credit profile, I found one of them on XXXX, drinking champagne bragging about finessing older women out of their information online. I even wrote countless letters for these items to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX DL # XXXX XXXX XXXX SS # XXXX
Product: Credit card

I applied for XXXX credit cards through the XXXX XXXX mobile app. XXXX XXXX approved the credit card applications. I was unaware that each card had a {$75.00} and {$120.00} annual fee. XXXX approved these cards in XX/XX/year>. 

Since that time, I have never used the cards, and I do not want them. Since their approval, there has been no minimum balance due and no payments made. 

However, now, it appears that the credit card company is charging interest on these fees, and still the statement reflects the {$0.00} minimum payment due. 

I am not interested in these cards due to the lack of clear information about the fees. The limits are so low that the annual fees consume about XXXX of the credit line. Additionally, this credit card company is not as well-known as XXXX or XXXX XXXX. 

XXXX XXXX makes it difficult to reach customer service as their telephone customer assistance line apparently has few English-speaking agents, making communication impossible. The company does not offer an electronic method of contact such as email or customer service chat. The sole alternative is to send a letter to a XXXX address, a lengthy process that lacks verification of receipt or action. 

I am not asking for free money. I merely request the release from these credit cards with no derogatory marks on my credit history, as they remain unactivated and unutilizeda zero balance, in excellent standing, closed at the request of the borrower.
Product: Credit reporting, credit repair services, or other personal consumer reports

( SEE ATTACHED PROOF OF FRAUDULENT ) EXPERIAN CONTINUES TO BE WILLFULLY NON-COMPLIANCE AND ASSIST AND XXXX IN FRAUDULENT ACTIVITIES AFTER PAST COMMUNICATIONS XXXX AND XXXX HAS CONFIRMED XXXX XXXX IS A FRAUDULENT ACCOUNT AND HAS DELETED AND REMOVED XXXX XXXX  ACCOUNT AFTER SENDING SAME DOCUMENTATION TO EXPERIAN CURRENTLY EXPERIAN IS GOING THROUGH A LAWSUIT DUE TO IRRESPONSIBLE SECURITY OF CONSUMERS INFORMATION I MAY AS WELL BE ONE OF THESE VICTIMS PLEASE DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER.
Product: Debt collection

On XXXX XX/XX/2021, XXXX sent an email on a closed account over the weekend, a tactic and form of harassment, the object is send something that the costumer can't respond to while he/she is trying to enjoy the weekend. They are claiming a debt that is not there and want me the clear it up over the weekend. ( answer to your question why I choose to deal with it on the weekend? To stop them send it on the weekend. Are you saying I should be forgiving over the weekend. Even if they can reach out to me at XXXX XXXX  Saturday mourning, XXXX XXXX  Saturday mourning or those times on Sunday and that is ok just wait to Monday ) ( Your 2nd arugument is to just block or delete, the answer to that is think of their message as XXXX they send it, I delete it, but I or my children still saw it, so what good is it to do that ). To restate they send and asking me questions on a closed account and I see that as harassment. This is the 1st step legal is next.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I have Qty. ( XXXX ) go enjoy gift cards, I went to use them at one of the restaurants ( XXXX XXXX XXXX ) the restaurant could not process the gift cards. The manager said they have had problems with these gift cards for over a year, he said you need to go to there website ( XXXX  ) and select redeem and pick your restaurant and you will get an email. The website did not say anything like that an actually just says the card should be able to be used at any of the restaurants printed on the front of the card and the cashier just selects credit. I also tried calling the XXXX number ( XXXX ) this was no help either as you cant speak to a human. The date we tried to use the gift cards at XXXX in XXXX NY was on Monday XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION XXXX XXXX 2 COLLECTIONS AND 6 CHARGE OFFS! 
THE ACCOUNTS HAVE BEEN SOLD TO DEBT. COLLECTION AGENCIES. 
*THE COMPANIES AGENT REPORTING VERIFIED ACCOUNT INFORMATION WHEN DISPUTED AND CHOOSE TO KEEP THE REMARKS ON REPORT. 

XXXX-DISPUTE REQUESTED- TRANSUNION/XXXX/XXXX REQUESTING : VERIFICATION OF DEBT. REQUESTING PAYMENT HISTORY AND REMOVAL OF ACCOUNTS DUE TO INACCURATE CREDIT REPORTING REGARDING SETTLEMENTS/PAYMENTS/DELETIONS. 

2 COLLECTIONS : Opened XX/XX/XXXX, XXXX {$2100.00} Opened XX/XX/XXXX, XXXX {$2400.00} 6 DELINQUENT CHARGED OFF ACCOUNTS -XXXX -XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE ASSIST IN THIS URGENT MATTER.
Product: Debt collection

This debt collector called me stating that I owe this alleged debt. I questioned the validity of the debt and and they stated that they were sending documents over. I am requested all documents original creditor, address, amount of the alleged debt and my wet signature on the alleged contract. As pursuant to 15 usc 1692c ( c ) I am demanding that this company and whoever else is affiliated with this company needs to CEASE and DESIST on all mediums.
Product: Checking or savings account

On XX/XX/22 I filed a dispute with my bank for {$73.00}. The reason for this is I was scammed through XXXX XXXX and I had reached out to XXXX XXXX 1st and they told me since I didnt receive the products I paid for I would have to dispute it with my bank especially because the person was refusing to send a refund or send what I paid for. Yesterday after contacting the bank for a update in my dispute claim I was denied. They wont let me open rebuttal claim and say there was no error which I dont understand because its an error and I should have my {$73.00} back.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. Section 604 A. Section 2 : A consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Inaccurate Information on Credit Report Dear Equifax, I am writing to dispute inaccurate information in my credit report. I have been a victim of Equifax 's negligence in its credit reporting dispute process, as outlined in the Consumer Financial Protection Bureau ( CFPB ) consent order dated XX/XX/year>. 
As you know, the CFPB found that Equifax violated the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) in several ways, including : Failing to conduct reasonable reinvestigations of consumer disputes Failing to provide timely notice and all relevant information to furnishers regarding disputes Failing to review and consider all relevant information submitted by the consumer Unlawfully reinserting previously deleted information Failing to provide adequate notices of results of reinvestigations Failing to maintain reasonable procedures to assure maximum possible accuracy related to processing disputes Engaging in unfair acts and practices by using ineffective systems and flawed processes Failing to comply with identity theft block requirements Providing inaccurate consumer reports due to coding failures and other technology failures I have experienced the same issues with my disputes. I have submitted several disputes to Equifax, but inaccurate information remains on my credit report. I have included copies of my prior dispute letters and any supporting documentation. 
Due to Equifax 's negligence, I am requesting the following remedy : Removal of the following negative accounts from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I believe this is a fair and reasonable request given Equifax 's repeated failures to comply with the FCRA. I hope that Equifax will take this request seriously and take immediate action to correct my credit report.

I look forward to hearing from you soon. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Since XX/XX/XXXX my primary account has been on hold. I cant access even the money that is in my available balance. I need to pay my rent and its frustrating that theres no one who can give me an answer
Product: Credit reporting or other personal consumer reports

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : DPT EDXXXX, DEPT OF EDXXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX
Product: Checking or savings account

Hi, I had a fraud on my account. XX/XX/XXXX and XX/XX/XXXX. These XXXX days transaction happened. And TD bank was able to catch the fraud after XXXX transaction happened. They texted me I confirmed that it was fraud, I closed my debit card and I directly called the bank. These transaction happened in XXXX and I live in CT. When these transaction happened I was on the train ( XX/XX/XXXX ), I also have train tickets. When the other transaction happened I was at XXXX from XXXX XXXX to XXXX XXXX ( XX/XX/XXXX ) which I have email from the professor who confirms my presence at school. I also have a police report. Even though all these evidence TD bank refused the fraud XXXX times and they claimed that these transactions are belong to me. I really need help to save my money. Moreover, when I spoke with someone from TD bank they told me that my bank card activated in XX/XX/XXXX in some device which is the date that I got a text from XXXX and gave my information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX are showing on credit report. I have attached the letter that shows it should be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$0.00}
Product: Debt collection

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX/ {$3000.00} / XX/XX/2021 XXXX / {$620.00} / XX/XX/202XXXX XXXX XXXX XXXX$550.00} / XX/XX/2021
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Regarding Failure to Reinvestigate Disputed Late Payment Account with XXXX XXXXXXXX XXXX, XXXX. 
Dear Sir/Madam, I am writing to formally lodge a complaint against XXXX and Equifax for failing to properly reinvestigate a late payment inaccurately reported on my credit report by XXXX XXXXXXXX XXXX XXXX XXXX. 
The account in question is under my name, XXXX XXXX XXXX XXXX, with the account number XXXX. My date of birth is XX/XX/XXXX, and the last four digits of my Social Security Number are XXXX. 
The dates in question related to the disputed late payments are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Previously, I contacted XXXX XXXX XXXX XXXX. directly, requesting the correction of this erroneous information. However, despite my request, both XXXX and Equifax have not conducted a thorough reinvestigation nor corrected the error, which is a violation of my rights under 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). 
The failure of XXXX and Equifax to correct this incorrect information has negatively impacted my credit history and is a direct violation of my rights under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). Despite following the necessary procedures with both XXXX XXXX and these credit bureaus, the inaccurate information remains on my report. 
I request that you review this case and take the necessary actions to ensure that XXXX and Equifax, along with XXXX XXXX, comply with their legal obligations. It is essential that this incorrect information is removed from my credit report to correct the damage caused to my credit score. 
Thank you in advance for your attention to this matter, and I look forward to a prompt resolution. I am willing to provide any additional information needed to support my case. 
Please confirm receipt of this complaint and provide an update on the status of my case as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I would assume if I am already overdrawn from my checking account my bank wouldn't approve but nope they do and they will charge me for at least 3-5 NSF fees even though I have spoken to them a different occasion at this point in time there is no reason for me to call and just get the run around in all honesty I prefer for the payment not to go through and I just pay the late fee or payment arrangement rather then the bank allowing the payment to go through and charging me several different NSF fees
Product: Debt collection

I was contacted by XXXX XXXX on XXXX in regards to debt owed with Easy Cash approximately taken XXXX. The person that called me was XXXX XXXX at XXXX regarding making payment otherwise the case would go to court. On XXXX I requested a validation letter from her. I was emailed the information via XXXX from a XXXX XXXX XXXX on XXXX. Which when you open the XXXX it states that this has been signed. There was no information to click on if I agree or how to dispute. There are several red flags with this company website XXXX - is generic. Their letter head has an address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX that goes to a postal annex. XXXX XXXX voice mail does not state a company. On XXXX at XXXXXXXX XXXX XXXX I contacted Easy pay at XXXX. They said the account was transferred to the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. They gave me their website XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I spoke to them, and they are sending a validation letter via mail XXXX XXXX called again today XXXX to see how I wanted to move forward. I told her I had talked to Easycash and they referred me to XXXX, and XXXX PA. I then told her I would be working with them and to ceast and desist. But then she called me back and said she was not sure why they had sent the collection to another attorney when they are supposed to handle. She also told me to be careful. At this point I just want to know who legitimate and what information is correct. I want to validate that this is a true debt and to whom is to be paid so that this can be resolved before I get taken to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account which is not mine ( XXXX XXXX XXXX XXXX ) with Experian for over 7 months now and nothing being done. This account was removed from my XXXX and XXXX Credit reports because they done a real investigation and found out this account is fraudulent. 

The account being reported multiple times on my experian report at one time it was being reported as 3 different accounts plus so much more and its very upsetting. 

I demand this account to be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and the XXXX breach and may have gotten into the hands of the wrong person.