23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX place XX/XX/XXXX XXXX XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Iam distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it. ) That you have on file for the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand that the following accounts be verified or removed immediately. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v, Gravens ( MO ) 281sw715,719, I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists XXXX XXXX XXXX XXXX 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 Delete these items immediately. 

Best Regards, XXXX XXXX
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. 

Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Recovery Portfolio Associates, LLC are sending me correspondance and reporting on my credit report that I owe for on an account for XXXX XXXX that is not owed
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiry shown on my Equifax credit-report : " XXXX Inquiry from XXXX XXXX, 2017 '' reports " No contact information has been reported by this creditor ''.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately XXXX XXXX XXXX XXXX 160 days late
Product: Credit reporting or other personal consumer reports

It was removed from XXXX and XXXX because it was fraudulently open and Experian will not remove it
Product: Checking or savings account

On XX/XX/year>, I opened a checking account with XXXX cashiers check of {$9000.00} to use toward finding a place to buy. THIS BANK TELLER WANTED TO BELIEVE XXXX WOULD NOT HONOR THE CASHIER CHECK! I almost had a XXXX XXXX because my money wasn't in my account. XXXX XXXX XXXX XXXX. I'm not kidding. SOCIAL SECURITY had a breach and my name was breached. So I called my banks and credit reporting company and I put a fruad alert on MY accounts, I TOLD HER THAT! Also I had been looking for a job and gave all my personal information and my signature to a man I thought was legit. I became suspicious and I did a factor reset to scrub my phone. I called XXXX told them the man had my signature, name, address and social security number... XXXX SAID IT HAPPENS ALL THE TIME... IT WAS THE FIRST TIME I HAD HEARD OF IT AND IT CAUSED ME GREAT EMOTIONAL STRESS ... I was doing some reach on this man and found out he was using a legit company in XXXX for his scam..I really became so unhinged and scared it caused ME a lot anguish And stressed out ... the bank teller saw the fruad I PUT ON MY ACCOUNT AND FROM THAT POINT ON SHE DIDNT HEAR ONE WORD I SAID. I told this young bank teller I PUT THE FRUAD ALERT ON TO PROTECT MY INFO. THERE IS NOTHING ELSE I COULD DO TO PREVENT THIS MAN FROM MY INFO. I GOT XXXX MONTHLY SECURITY ALERTS FOR XXXX  A MONTH ... I HAD NO PEACE, BECAUSE IF THIS MAN WAS ABLE TO TAKE MY LITTLE BIT OF MONEY I WOULD BE DEAD... SHE NEVER ONCE TOLD ME SHE WAS PUTTING A HOLD ON MY FUNDS OR I WOULD OF GOT UP SO FAST, BECAUSE I WOULD OF FOUND A MORE MATURE PROFESSIONALLY SKILLED BANK TELLER WHO DIDNT HAVE A OVER ACTIVE IMAGINATION. I CANT DEAL WITH THIS STRESS. I CANT. I TOLD HER 3 TIMES I WOULD NEED THE FUNDS IN THIS COMING WEEK. SO ITS BEEN ON HOLD AND THIS PLACE I WANTED HAD SOLD OVER THE WEEKEND. My funds are still on hold ... SHE'S YOUNG AND CONTROLLING BUT SHE LIED STRAIGHT TO MY FACE... AND MADE IT SOUND LIKE NOTHING, UNTIL I HAD THE SHOCK OF MY LIFE THINKING MY FUNDS WAS STOLEN. I DONT NEED THIS... SHE IS YOUNG AND SHE HAS NO IDEA HOW HER LYING HAS CAUSED ME SO MUCH STRESS. IF SHE WOULD OF BEEN HONEST WITH ME I WOULD TOOK MY CHECK AND LEFT, SHE KNEW THAT SO SHE DIDNT TELL ME. SHE IS SUCH A LIAR. SHE HAS NO RIGHT TO DECIEVE ME OR TAKE CONTROL OVER MY MONEY AND MY DECISION WHERE TO BANK. SHE IS SO DECIEVEFUL AND STARTED GIVING ME SO MANY EXCUSES TO INSTEAD OF APOLOGING. WHICH IT DIDNT MATTER, MY STRESS LEVEL WENT WAY UP BECAUSE OF THE WAY SHE HANDLE THIS...
Product: Credit reporting

My deceased wife passed away in 2011. I then found out I was a victim of identity theft. I went to the police and was cleared of all the fraudulent activity as well as criminal activity. I went to court when the banks were claiming that I might have used an alias and proved that I did not. TeleCheck is breaking the law by reporting information from a bank that is reporting to TeleCheck an account that 's already been proven by the police to be fraud and not belonging to me. When TeleCheck refused two remove this reporting hi then had my attorney send a letter to them. TeleCheck said that they could not discuss this with my attorney without a power of attorney even though that I gave permission for the attorney to talk to Telecheck to Telecheck in writing and on the phone. TeleCheck is breaking the law and trying to say that because the bank is reporting it to them they have a right to report it even though I prove to Telecheck that it was fraudulent. I 've given TeleCheck all four parts of 605b of the Fair Credit Reporting Act to show that they should remove that reporting of that fraudulent account. TeleCheck is acting Above the Law and claiming their policies overwrite the law and give them or right to break the law. My claim to them is that they have to follow the law and their policies have to abide by the law.
Product: Credit reporting or other personal consumer reports

I filed a Dispute with Experian in XXXX XXXX and they replied back to the dispute on XXXX Report Number XXXX

Experian agreed that the following should be deleted and they have failed to delete the records on my credit report. This include the the following : -Account name XXXX XXXX Account number XXXX -Account name XXXX XXXX XXXX XXXX Account number XXXX They have also failed to provide a detailed Dispute Report, it is unavailable online.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, a XXXX XXXX XXXX XXXX XXXX, sold away it's right to collect payment from me and service any account I had with them but they are still reporting an account on my consumer reports showing I still owe them money. This is fraud! Attached is proof my contracts/agreements with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and eventually deposited and securitized within a XXXX. Therefore, XXXX XXXX does not have a legal right to collect payment from me nor have an account in my name unless it is an account representing an amount THEY OWE ME. This is extortion according to 18 USC 892 since my reputation was harmed and they attempted to steal the vehicle by which they no longer had a legal claim to. Also, with the attached proof, the XXXX  and tax office removed XXXX XXXX as a lienholder on the vehicle title, therefore, there should not be any existing amount owed to XXXX XXXX.
Product: Checking or savings account

On XX/XX/year>, I opened a business account with Truist Bank and deposited {$2000.00} into the account, motivated by a {$400.00} incentive promotion I saw online. The account was approved, and the deposit was successful. However, on XX/XX/XXXX, I checked the accountstill waiting to receive my debit card and account detailsonly to discover it had been closed without any prior notification or explanation. 

I immediately contacted Truists customer service to understand what happened. I was informed by the representative that the account was closed without a specific reason and that my funds were sent via check on Friday, XX/XX/XXXX, without my consent or knowledge. To make matters worse, I was told the check would take 10 business days to arrive, meaning I wouldnt receive my money until XXXX XXXX after XXXX. 

This situation has caused significant financial hardship. I trusted Truist with my funds, yet the abrupt account closure and the delayed return of my money have left me unable to meet essential obligations during the holiday season. The lack of communication and the refusal to expedite my funds is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX I XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXX : {$33000.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXXXXXX XXXX XXXX Balance : {$8700.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXXL ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX CO XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT DUE TO XXXX  CREDIT BREECH. THIS ACCOUNT IS FRAUDULENT. XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX Total balance : {$10000.00}
Product: Debt collection

Informed this debt collection company that my only source of income is social security. On XX/XX/2022, I received a document from this debt collection company labeled ( XXXX XXXX ), suggesting this is an official document.I also asked this collection company to provide a detailed amount of this debt of which they did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CFPB this email is for you CFPB to keep it or use I already submit over the phone my complain do not send this unles is nescesary I explain here what is on the record you can send it if you think is the best thank XXXX Consumer Financial Protection Bureau. 


1. the report I send is the last report EXperian send to me. Total fake. 
I am so indignate by Experian, and all is in this report, not only I Denied. 
All information EXPERIAN provite on this report, I GOT SICK ABOUT. 

2. Before I Start, I need you to be aware, that this is XXXX XXXX, with out notice, I stop to take my daily XXXX, for 6 dyas, I forgot to eat 4 days.Whatever EXPERIAN resolution will be, I WILL not accept. they crooss over the line, that is not the place, I love, I will not stand back to those behevior, that destroy, Not only my life, they are destroying my country United States of America. 

3. This report is not the same, they have online, or the one they show me. 

4. On this report they not say what is the total amount I OWE, that is on the online, account the amount of {$5900.00} 5. At this moment they are not aware that I am in contact with you. unlees you told something to then. 
6. On this report, not only, show all the negative Items, from before, they ad more negative accounts, with out care. 
7. On this report, they try to show some charity, the wors way to do something like that. 

XXXX {$5900.00} XXXX XXXX XXXX and XXXX XXXX XXXXXXXX are the same acounts since XXXX, Show 1 payment of {$120.00}, ,when I ALL ready pay {$380.00} plus {$170.00} XXXX XXXX acoount, I CLOSE, on XX/XX/XXXX First report XX/XX/XXXX They repited again as a collection updated I GUESS XXXX XXXX XXXX and XXXX XXXX  XXXX and XXXX number XXXX are the same $ {$2400.00} {$2400.00} XXXX XXXX XXXX XXXX this acounts are tthe same accounts, also please i want you to post all my dispute, u can change as the best behevior to help some one else i am terrify ( XXXX, ) BUT i do not want some else lfeel what i feel right now.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has reported bankruptcies on my credit report without my consent and will not provide the company that provided this information because I have verified with the courts that they do not nor have they ever released consumer data to any credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry dated XXXX XXXX2016 is reporting on my credit. I did not authorize anyone employed by XXXX XXXX XXXX XXXX to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the address of the company. Did not receive a response
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed via USPS both Equifax and XXXX notices of an unrecognized collection due to identity theft on XX/XX/XXXX via certified mail. 

XXXX Tracking # XXXX Equifax Tracking # XXXX Account name XXXX XXXX - XXXX Account # XXXX Neither company has completed a proper investigation pursuant to FRCA 15 USC 1618 considering the account is a result of identity theft and unverifiable and must delete or face a fine.

Beyond that none of the information is reporting the same across the 3 bureaus which points to negligence and a failure to execute proper due diligence. 

How can an account be both open and a charge off? 
How can an account be both open on XX/XX/2014 and XX/XX/2014? 

This information is inaccurate and fraudulent and pursuant to the FCRA any account that is reporting inaccurately must be deleted. PLEASE REMOVE.
Product: Credit reporting or other personal consumer reports

am writing to dispute a hard inquiry that appeared on my credit report. I have no recollection of authorizing this inquiry or having any association with those creditors.
Product: Credit card

XX/XX/XXXX  : I woke up to multiple text alerts telling me about potential fraudulent purchases on my Captial One XXXX credit card. The first text showed an international purchase of {$740.00} at company called XXXX XXXX. The text asked me to verify if I made this purchase. I responded with a text stating NO. At that point, that purchase was denied and my card was locked. I saw there were three more purchases from the same vendor ( XXXX XXXX ) that were pending ( {$76.00}, {$76.00}, and {$93.00} ). I immediately called Capital One and filed a fraud complaint about all four charges that morning ( XX/XX/XXXX   ). I was told that a fraud investigation would occur and that they would cancel my current credit card number, and mail out a new credit card. 

XX/XX/XXXX  : I received an email from Capital One stating I had a follow up letter about my credit card fraud. I logged into my Capital One account and read that Capital One 's investigation " found insufficient evidence '' of fraud and so I was responsible for the three fraudulent charges. I called Capital One and talked with 3 levels of management who stated that my physical chip card was used to make these purchases. I told them it was not possible because I'm the only one in possession of the card ( and still am ). The charges occurred roughly around XXXX ( AZ time ) on XX/XX/XXXX and I was asleep in bed. Capital One also stated that the purchases were for " Mens/Womens clothing '' and the sale was completed out of XXXX XXXX . I denied making any of those purchases but they said since the physical chip was used it had to be my card. I stated that obviously criminals can now make duplicate chips because I didn't make those purchases and was still in possession of my card. I tried to point out that the total of the four charges added up to {$990.00}, like the actual criminals were trying to keep it below a {$1000.00} threshold. Capital One asked me if I had used it to make a physical purchase at a swap meet or something similar that morning, and once I again I stated I did not because I was still in bed and it wasn't even daylight yet in XXXX AZ. They refuse to credit me {$240.00} for the three remaining purchases. I do not want to be responsible for these fraudulent purchases.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that accounts that are not authorized are reporting to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX University XXXX violated my rights on XX/XX/2022. 
US DOEXXXX violated my rights on XX/XX/2022. 
Dept of EducationXXXX violated my rights on XX/XX/2022. 
US Dep of ED violated my rights on XX/XX/2022. 

The viloated laws were 15 U.S.C 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1692c The Federal Trade Commission announced today that its years-long investigation into XXXX University continues to benefit consumers, as the U.S. Department of Education will forgive {$71.00} million in federal student loans for students deceived by the for-profit university, based in part on the FTC 's prior action XXXX XX/XX/2022 2022