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

Companies used my credit many times without my authorization which I was unaware of.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters out to the three credit reporting bureaus on dates XX/XX/2022, XX/XX/2022, and XX/XX/2022 regarding the verification on the accounts that are reporting negatively on my credit report. To this date I have not received the documents that I requested via mail that were used to verify the account. After various letters, the credit bureaus refuse to remove or correct this inaccurate information on my credit report. Here are a few items I attempted to correct with the credit bureaus but have not been resolved. 

XXXX XXXX : The payment history of this account is inaccurate. I have not been late on this account. I have contacted the original creditor but was referred back to the credit reporting bureaus to resolve issue. I have mailed out previous letters to resolve issue but there has not been a solution made. 

XXXX : The payment history of this account is inaccurate. I have not been late on this account. I have contacted the original creditor but was referred back to the credit reporting bureaus to resolve issue. I have mailed out previous letters to resolve issue but there has not been a solution made. 

XXXX : This account is not reporting correctly across all three bureaus. The account status is showing two separate statuses. The date that the account was opened is also showing inaccuracies. The high credit balance is showing different. The credit limit on the account is inaccurate. The payment status is not reflecting the same across the bureaus. 

XXXXXXXX XXXX : This account is not reporting correctly according to the FCRA. The date the account was opened is incorrect. The high credit balance is showing differently across all three bureaus. The date of last payment is incorrect. 

XXXX XXXX : This account is not reporting correctly according to the FCRA. The date on the account was opened is incorrect. 

XXXX XXXX XXXX : This account is not reporting correctly according to the FCRA. The date that the account was opened is incorrect. 

XXXX XXXX : This account is not reporting accurately according to the FCRA. The date that this account was opened is incorrect. The balance of the account is incorrect across all three bureaus. 

XXXX  XXXX : This account is not reporting accurately. The date opened is incorrect across the bureaus. The balance on the account is reporting incorrectly. 

XXXX XXXX : This account is not reporting accurately. The date opened is incorrect. 

XXXX XXXX : This account is not reporting correctly according to the FCRA. The date that the account was opened is incorrect. The balance of the account is incorrect.
Product: Debt collection

I submitted a complaint against Convergent Outsourcing Inc in XX/XX/2015 ( case : XXXX and XXXX ), which was resolved. Now I 've received another attempt to collect on a debt I know nothing about. I am going to send them a letter to dispute their claim and request validation of the debt they 're claiming I owe.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX  THIS DEBT DOES NOT BELONG TO ME. I WISH FOR IT TO BE REMOVWED FROM MY CREDIT.
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 XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A 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 then seven years.

15 U.S.C 1681s- ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency is the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete these accounts
Product: Credit reporting or other personal consumer reports

XXXX  the original predator excepted a payment XX/XX/year>. It shows on XXXX  payments that been accepted. Charge off balance is not updated after the payment. The collection company is trying to Collect total collect without the payment being added. This is an accurate as if you look at XXXX XX/XX/year> $ XXXX reported paid but not taken away from balance. Both companies are trying to double dip me I would like to see both of these deleted from my account for this harassment. Theyre giving me and damage the cost. Im having this trouble through XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name :XX/XX/XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XX/XX/XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXXXX/XX/XXXXAccount number XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX INQUIRIES : XXXX XX/XX/year> NXX/XX/XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> CXX/XX/XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding the numerous, unsuccessful attempts to remove fraudulent items from my credit report. Despite my persistent efforts, the fraudulent entries continue to plague my credit history, causing me substantial distress and financial harm. 

I first discovered the fraudulent items on my credit report. Since then, I have diligently reported this issue to your agency, providing extensive documentation, including police reports, affidavits, and dispute letters, to substantiate my claims of identity theft and fraud. 

Despite my repeated attempts, I have encountered a lack of resolution and continued reporting of these fraudulent accounts on my credit file. The prolonged delay in addressing this issue has had severe repercussions on my financial stability and overall well-being. 

I kindly request the following actions be taken promptly : A comprehensive and thorough review of my credit file to verify the existence of the fraudulent accounts. 

An in-depth investigation into the origins and validity of these accounts, which I assert are the result of identity theft.

Immediate removal of these fraudulent items from my credit report.

An explanation for the extended delay in resolving this matter and a clear outline of the steps being taken to expedite the correction process.

Written confirmation of the actions taken to rectify this situation and a specific timeline for their completion.

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies promptly investigate and correct inaccurate or fraudulent information on consumers ' credit reports. I expect that your agency will adhere to these federal regulations and work diligently to resolve this matter to my satisfaction. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Charges run from XX/XX/2022 to XX/XX/2022 - complained the entire time and now Key Bank refuses further action and is holding me responsible for the + {$4000.00} in charges and interest. Key Bank Did Nothing to protect me as a matter of fact I believe they allowed the false orders!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Notice to opt-out of credit reporting provided to the company this date. 
I have not provided written consent to report nonpublic information to third parties. 

Equifax consumer report reflects disclosure of nonpublic information as early as XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX, a fraudulent charge was made to my Chase Saphire card through a food delivery app called XXXX. This is an app that I regularly use and has my credit card stored in it for purchases. On XX/XX/XXXX, my XXXX app was hacked and the fraudster made an order from a restaurant in XXXX, OR for {$140.00}. Once I was made aware of the purchase ( the following day ) I contacted Chase Bank who immediately removed the charge, canceled my current Saphire card and issued a new one with a new number. Then on XX/XX/XXXX, the charge for {$140.00} showed back up on my statement. As a result, I've made several attempts at contacting the Bank and have been placed on hold and ignored. I called on XX/XX/XXXX and never reached anyone - after waiting on hold for an hour and 12 minutes. I then tried to reach them via their XXXX  page, which states a rep will respond shortly - no one ever answered my inquiry despite leaving a detailed overview of my issue and what happened. On XX/XX/XXXX, I did reach a representative, who reviewed my account and stated " the wrong department handled your claim initially - I will have to forward you to the fraud department, the wait till be between 10-20 minutes. I am now going on 87 minutes of waiting and have yet to be helped. This issue should have been resolved on my first phone call on XX/XX/XXXX. This is fraud and the bank 's handling of this is completely unacceptable.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed a fraudulent account from XX/XX/XXXX on my credit report, please remove this account from my report because its hurting my credit.
Product: Credit reporting or other personal consumer reports

I have consistently maintained XXXX  payments, so I find it perplexing to discover an error in my XXXX report.
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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX on : # XXXX, XXXXXXXX XXXX XXXXXXXX : # 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: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/ 2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX ( the Fraudsters or Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the client losses to gains. 

It should be noted that the Company, which is a client of East West Bank, registered as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX is committing financial crimes right under their nose, which involves, among other things, stealing and laundering large sums of money on a regular basis. Money was transferred from my XXXX XXXX account in the total amount of XXXX USD utilizing their services ( See attached or reference ).
Product: Student loan

I have several loans with Department of Education/NelNet with late payments which is incorrect and been reported incorrectly on credit report s.My students loans has always been in a forbearance status/ deferment status. I even have several hardships forbearance. My loans shouldnt shows any late payment. All the late payments are a error on the Servicer part .I have never been in repayment status due to financial reason. I made sure I applied for a forbearance or hardship to ensure my account remain in good status.i made several attempts to the CEO of NelNet about this matters. I contacted the Servicer NelNet several times via telephone and by Us Mail on this matter. Unfortunately my situation hasnt been handle. I honestly my situation is been ignored. Im entitled to correct reporting on my personal credit file. Please Help!
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XXXX XXXX XXXXXX/XX/year>, I was approached by a man that asked me for gas. He insisted that he XXXX XXXX me because he had lost his debit card the night before. When he sent me {$60.00} on my Navy Fed app ( a common practice in the service ) he convinced that he electronically sent me {$6000.00} instead of {$60.00} and asked that I refund the funds immediately. I took {$1000.00} out of a local ATM and transferred {$3000.00} via XXXXXXXX XXXX 
When I contacted the bank on the following business day, they notified me that there was a personal loan taken out in my name and that is where the money had came from. I filed a police report and a fraud claim with Navy Federal. The police report is in progress. Navy federal has denied the fraud claim and states I am still responsible for the loan.

I was told by a Navy Federal Employee that this is a reoccurring scam in the XXXXXXXX XXXX area. A gang of males are going around to service members asking for gas money and applying for loans in the service members names and then asking for the money to be sent to them prior to the service member knowing that it is a fraudulent loan. 
Complaints : 1. There was a loan taken out in my name, not authorized, or verified by me. I was never called and no personal information was obtained prior to verifying the loan.

2. This is an ongoing scam allowed and willingly acknowledged by Navy Federal. They are aware that the loans are not authorized by the bank member and yet continue to authorize loans immediately. I do believe that this is fraud committed by the Credit Union ( they are also gaining monetarily ) as well as fraud committed by gang members.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, # XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I noticed various billing mistakes. The late payments do not correspond to my regular payment history.
Product: Debt collection

It took the company 4 years to try to validate the debt? On repeated requests by certified letter they just now try to? No offer of settlement or nothing?
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union ILLEGALLY AND NEGLIGENTLY put a consumer statement on my credit report without my authorization nor consent. As such, this has caused severe financial issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just pulled my credit report and noticed 6 Delinquent Closed collections from XXXX. I am sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are involved with this debt, and there is/was some contractual obligation which is binding on me to pay this debt. I have sent validation request letters to all 3 credit bureaus ( XXXX, XXXX, and Experian ) via certified mail. 

Letter of sale or assignment from the original creditor to another company is reflected on my credit reports, however the balance amounts, origination dates, and payment delinquencies are not matching with the 3 major credit bureaus ( XXXX, Experian or XXXX ). 

Although this account reads closed/ sold, it is unacceptable for this to remain on my credit report, as this reflects negatively on my credit rating. I have no proof this account is mine. 

I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity. Why are pursuing collection activity on a paid account in the first place? This is definitely harassment and is a violation of the FDCPA under 15 USC 1962e : Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to the debt. It should be read Paid as Agreed/ Closed or be completely REMOVED from my consumer reports.

Invalidated information from any of the 3 major credit bureaus ( XXXX, Experian or XXXX ) on my credit report may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by XXXX or any representative is a violation of consumer rights. I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
Product: Mortgage

On XXXX/XXXX/15 we were contacted by XXXX XXXX ( XXXX ext XXXX ) who advised me that we had been approved for an FHA modification. She said we were on a 3-month trial period payment plan and that after successfully making the 3 months payments on time ( XX/XX/XXXX, XX/XX/XXXX and XXXX ), our interest would drop from 5.25 % to 4 % and our payments would become lower than the trial period payment plan payments were. She said there would be no principal reduction. I just called to find out what our new lower payment would be beginning in XX/XX/XXXX and was told that we had to continue making the higher trial period payment plan payments because the paperwork had not been finalized. I was also advised that it could take 3 or 4 months for the modification to become final and we could begin making the lower payments.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I noticed some unauthorized inaccurate discrepancies on my credit report. 15 U.S.C. 1692c ( c ) states if a consumer notifies a debt collection company that the consumer refuses to pay the debt collector the debt collection company must cease all communication. Law 15 U.S.C. 1692cc prohibits debt collectors from communicating with third parties in connection with the collection of any debt. A debtor may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known. This is a notification letter to the following debtor. No type of payment will be made on this unlawful debt. I request that the following debtor cease all communication. Account : ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have five hard inquiries that I would like removed from my report that still seems to appear on my credit report that inquiries are : One main financial, XX/XX/XXXX OneMain financial, XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX Also I have misspelling in my name in my personal information settings, and misspelling in my address also along with additional wording on to my name or address areas of the information provided for me that are incorrect. 
Also I had a card that recently closed that I am unaware of why it closed, XXXX XXXXXXXX XXXX  which impact my credit report as well as far as my credit age. 

Also it seems to me that most institutions such as XXXX XXXX and XXXX XXXX have late updates as far as payment history and other reported updates and I've been having problems with my XXXX XXXX XXXX not being up to date with the payments as well so the reports are being updated pretty much late.