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

I am the victim of identity theft, I have been sending letters to all 3 credit agencies and some of them said it has been verified that it was me ... ..? I asked these companies to send me original contracts from the parent company that I allegedly signed and they could not. All some of them sent was copies of transactions that were made ... .. '' PLEASE send me the original contract that I allegedly signed. PLEASE. 

XXXX XXXX ... .Please send me original signed copies from parent company. 
XXXX XXXX ... Please send me original signed copies from parent company. 
XXXX XXXX XXXX .... Please send me original signed copies from parent company. 
XXXX XXXX bank ... Please send me original signed copies from parent company. 
XXXX bank ... .Please send me original signed copies from parent company XXXX XXXX XXXX XXXX XXXX XXXX .Please send me original signed copies from parent company XXXX XXXX XXXX XXXX ..Please send me original signed copies from parent company XXXX ... XXXXI am not a home owner. who are these people XXXX ... ..Please send me original signed copies from parent company XXXX XXXX XXXX ... .Please send me original signed copies from parent company XXXX XXXX XXXX ... .Please send me original signed copies from parent company XXXX XXXX XXXX ... ..Please send me original signed copies from parent company XXXX XXXX XXXX ... .Please send me original signed copies from parent company XXXX XXXX   ... .Please send me original signed copies from parent company XXXX ... .Please send me original signed copies from parent company
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX XXXX in XXXX XXXX with XXXX down payment and XXXX loan with Suntrust Bank.The rate according to my loan was 3.4 % for 60 months and based on my payment details, I have already paid more than XXXX to this date and according to the bank I still owe XXXX more for the loan to be paid off. 


I went to the branch 3 times and one associate provided me with the phone number for the corporate who manage the loan, I called several times unfortunately nobody was able to help me
Product: Debt collection

This is in reference to the previous complaint CFPB RE : ID # XXXX I asked this company in this complaint to send me a copy of the signed notification giving me proper notification of this debt with my name and signature on it of which they have not provided.
Product: Student loan

XXXX  Case # XXXXXXXX XXXX Case # XXXX With the above referenced complaint numbers that I filed with Mohela, I was informed I would recieve resolution 14 business days after the complaint submission date, and if no resolution I would recieve my refund 30 days after that from Mohela and 90 days from the US Treasury, neither of which has been recieved.

Each time I have called I recieve different information and no resolution. 

I am owed over {$56000.00}.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Your failure to act is both unlawful and intolerable. Violations of Federal Law 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
2. Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3. Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 
Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : XXXX your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 
Demand for Immediate Action I demand the following actions, without delay : 1. Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2. Provide a comprehensive written explanation detailing your investigation process and results.

3. Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX XXXX
Product: Debt collection

I moved out of my apartment home in XX/XX/year>2024 upon agreement to pay the back due rent. I began a payment arrangement with the first money order submitted on XX/XX/year>2024 in the amount of XXXX. I received copy of the disposition of security deposit on XX/XX/year>2024 in the amount of XXXX. After submitting the payment of XXXX which was included in the revised statement, the amount due changed to XXXX. The revised statement changed the past  due months I would be responsible for. I stopped hearing from the property manangement and I received a notice from I.Q. DATA XXXX XXXX and I wrote a dispute on XX/XX/year>2024 to provide verification, as it attempted to collect the amount of XXXX. They did not provide verification and proceeded to report to the credit bureaus, in which I have filed a dispute on XX/XX/year>2024 in writing through XXXX and they havent responded and proceeded to add interest on the collection and report to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I trust this letter finds you in good health. I am writing to formally register my complaint regarding the presence of fraudulent items on my credit report. Despite my multiple attempts to rectify this situation, these fraudulent entries remain, causing severe distress and harm to my financial well-being. 

The fraudulent items in question, associated with [ account/reference numbers ], were discovered on my credit report on [ mention the date you first noticed the fraudulent items ]. Since then, I have consistently reported these items to your agency through various channels. I have submitted detailed documentation, including police reports, affidavits, and supporting evidence, to substantiate the fraudulent nature of these entries. However, my efforts to remove these fraudulent items have been unsuccessful to date. 

I want to emphasize that I have acted responsibly and expeditiously throughout this ordeal. I have taken every possible measure to protect my financial integrity and have diligently followed your company 's prescribed procedures for disputing fraudulent items. 

I am formally requesting the following actions to be taken immediately : A thorough and diligent investigation into the fraudulent items on my credit report to confirm their fraudulent nature. 
The immediate removal of these fraudulent items from my credit report. 
A written confirmation of the resolution, including the date when the fraudulent items were removed. 
An apology for the considerable stress, financial harm, and inconvenience caused by the presence of these fraudulent entries on my credit report. 
I understand that maintaining the accuracy and integrity of credit reports is paramount for the financial industry and consumers alike. It is my belief that addressing and rectifying these fraudulent items is not only my right but also a crucial step in upholding the credibility of the credit reporting system. 

Failure to address this matter withinthe exact time frame from the date of this letter may compel me to pursue legal remedies or involve relevant regulatory authorities to resolve this issue. I am asking for your immediate assistance to remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Wages are currently being garnished from Capital One Bank and information on my credit report is not being reflected as such and should be removed immediately from my report! 

Capital one has been garnishing my checks since XX/XX/year> accounting for a minimum of {$1200.00} a month and my accounts on my credit report do not reflect that and should be corrected or removed immediately!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXX : XXXX REPORT # XXXX Date updated XX/XX/23 Date : XX/XX/23 Experian XXXX XXXX XXXX XXXX, TX XXXX RE : You Violated the United States Code Law 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. I demand you comply. 
I received the updated Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation.

Your were supposed to provide me the results of this reinvestigation requested within 5 business days, but you didnt as a result this item must be remove. 
( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by email. ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed.

The items below should all be removed from my consumer report under 15 US Code 1681i ( 6 ) as it has been over 20 days and you failed to comply. 

XXXX XXXX 30 days payment late Under 15 US Code 1681n ( b ) civil liability of a natural person, Ive been violated. Also, we were already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 
Sincerely, XXXX XXXX
Product: Debt collection

I spoke with a representative of MIDLAND CREDIT MANAGEMENT who called my phone several times. As I wasn't aware of the number I didn't respond initially. After several repeated calls during the week. I finally answered assuming the matter was likely important. 

After speaking with the representative. I realized she had little to no information in regard to the debt she specifically claimed I owed. My issue is with the communication. When ask where the credit came from. She fumbled, had no information to provide me. She then placed me on brief hold and returned to inform me that the debt came from XXXX XXXX. 

The representative was completely unprepared to discuss any of the information she claimed to have in front of her. There was a major lack in professionalism. I continued to inform the representative that the debt was in fact paid to XXXX XXXX yet she insisted it hadn't and when asked what information she had. She was unable to provide it to me. 

What perplexed me even more was she had no record of the amount owed. I had to ask her several times as she fiddled around with her papers before she could give me a final amount. I then proceeded to inform her that I would need to check back with XXXX  XXXX and I would get back with MIDLAND CREDIT MANAGEMENT. She informed me to get back with her as soon as possible as this could " negatively effect my credit ''. 

Unfortunately, 48 hours later. The debt collection showed up on my credit report without notice. I would like it removed by MIDLAND CREDIT MANAGEMENT. I honestly do not have a problem paying the bill, but when a representative is ill informed and provides little to no information in regard to the debt she's attempting to collect. I find that highly unprofessional and somewhat disturbing.
Product: Credit reporting or other personal consumer reports

Those 3 accounts are opened fraudulently, using my personal info, There are not related to me, I have never applied for those credit cards, and never used them. 

XXXX. XXXX XXXX Closed XXXXXXXX XXXX XXXX - Closed XXXX XXXX XXXX XXXX - Closed Balance {$4500.00} Updated on XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act, this creditor has violated my rights under " 15USC1681 Section 602 '' states that I have the right to privacy.

" 15USC1681 Section 604A, Section 2 '' it also states that a consumer reporting agency can not furnish an account without my written instructions.

Under " 15USC 1666B '' a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

i wrote to Equifax, XXXX, and XXXX requesting an investigation of the following inaccurate accounts reporting on my credit report 30 days ago. the credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. however, the accounts are continuing to reports errors on my credit profile, which is causing damage to my credit score. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX  Date of inquiry : XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX  Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

these inquiries were unauthorized and Im a victim of identity theft. 
XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$28000.00}, {$0.00}, {$54.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$610.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$1000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$850.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$190.00} Open Date XX/XX/XXXX inquiries XXXX XXXX  XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Per the FCRA 15 USC 1681b, I did not give Amex nor XXXX XXXX, permission or written consent to apply an inquiry to my credit profile. Please delete this immediately as this a violation of the Privacy act of 1974. I do not have an open ended or closed account with Amex or XXXX XXXX.
Product: Other financial service

In XXXX a company I work for in the United States sent me a XXXX dollars payment by check by mistake ( because I always request bank transfers, not checks ) and sent it to the wrong address in my country, XXXX. This check was cashed by an unknown person. 

The company that sent the check always told me that I was the who had to make the claim to the bank, HSBC Bank USA, N.A., and so I made several claims and attempts to solve this issue, but given my country of residence communication was not fluid and it was difficult to send the requested forms, which were rejected, so I could n't find a solution as time went by. 

Last year ( XXXX ) I decided to contact HSBC bank once more and send new documentation and forms, unfortunately, this time XXXX XXXX Bank, XXXX. denied my claim to HSBC giving the following reason : " The statute of limitations or period for notice of a claim under either statute or your deposit agreement has expired. '' Despite the allegedly expiration of limitations, I feel that my claims were not taken seriously, especially since I do n't live in the US and I ca n't file a claim in person, causing that my money, which represent an important sum to me, is still lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These unverified inquiries must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX