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

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint XXXX XXXX XXXXXXXX, and XXXX & I am including it again., XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$48000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally pro

tected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 if the person knows or has reasonab
le cause to believe that the information is innacurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute letter for incorrect information XX/XX/2021 and the credit bureaus have not replied in the 30 days. I am requesting an investigation into this matter. 
I disputed the following items to be removed from my credit file from XXXX, Equifax and XXXX. 
Incorrect names Incorrect addresses Past employers inquires that are outdated Debts that are not mine : XXXX : {$1900.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$710.00}, XXXX {$10000.00} Several Inquires XXXX XXXX ( 4 ) XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX  ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX  ( 1 ) I am requesting these items be removed I am requesting these items be removed from my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX : XX/XX/XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal mobile phone account opened at XXXX XXXX on XXXX, XXXX under the account number ( XXXX ) with a balance of ( {$3200.00} ). This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an unverified public record of a bankruptcy on my credit report. The court has verified to me that they did not supply this information to any credit reporting agency. I disputed the account with Experian who responded and said that they verified the account with XXXX. Well, XXXX has deleted this account from their record because they could not verify it. Again, this is an UNVERIFIED ACCOUNT.
Product: Debt collection

on XX/XX/XXXX I Called IC System after being notified by XXXX XXXX that my score fell 60 points due to their inaccurate reporting on my credit report stating i ower {$230.00}. This is the second time Spectrum has attempted to collect this fraudulent account from me. The first collection attempt was removed from my credit file in XXXX after writing numerous letters to spectrum asking for Validation of this account and telling them this was a fraudulent account. 

I have been requesting for IC System to submit validation of this account since XX/XX/XXXX. I have sent 2 letters by mail and no one has replied back to me. 

I have since placed my account of fraudulent watch with all 3 credit agencies
Product: Credit card or prepaid card

My name is XXXX XXXX date of birth XXXX address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My complaint is that elan financial refused to update my social security number on my visa card the card number is XXXX XXXX XXXX XXXX I fax a verification letter from the social security administration and a copy of my social security card along with my ny drivers license. And also mailed this too. And that was to update the social security number to XXXX. But I received a letter asking for the same thing to be sent. All the bank has to do is verify the social security number in their database it will match with my other number that's on my account now XXXX. I do have two social security numbers they can verify the XXXX too it will also come back to me. Reason why I have a second number is because I was in witness protection many years ago. So what I'm asking elan financial to do is please view my documents my social security administration letter that's stamp and card and drivers license and up dated to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX gave no notification or bill or email on an {$8.00} service fee. then reported account 30 days past due on a {$8.00} service fee. Of course then then added {$50.00} late on top of that. This seems like a scam to defraud.
Product: Debt collection

In XX/XX/XXXX I purchased a Truck that was financed through Santandar Consumer. The truck stopped working and they picked the truck up. Santandar then put the repo on my credit and sold the truck for the remaining loan balance. Santandar advised me that the loan balance was XXXX but would remain a repo on my credit and I understood. In XX/XX/XXXX I started receiving letter from attorneys stated I needed to contact them bc a Civil action had been filed against me from XXXX XXXX XXXX. in reference to this same santandar loan. This loan has had a XXXX balance since they sold they truck and recouped my loan amount. I also was never served or given any paperwork or documents in reference to this civil action.
Product: Debt collection

XXXX XXXX XXXX {$44.00} - Original Debtor XXXX XXXX XXXX XXXX. This debt has been paid. Account Number : No Account Number listed. PLEASE REMOVE XXXX XXXX {$230.00} - XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE XXXX XXXX - {$830.00} XXXX XXXX XXXX XXXX, KY XXXX. Original XXXX XXXX XXXX. XXXX XXXX - PLEASE REMOVE XXXX XXXX XXXX - Original Debtor - XXXX XXXX XXXX {$170.00}. PLEASE REMOVE PAID. 

NONE OF THESE ACCOUNTS HAVE ACCOUNT NUMBERS AND THEY HAVE BEEN PAID
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I discovered several fraudulent accounts on my Experian, XXXX XXXX XXXX credit profiles. I was notified several times from multiple companies that personal information was hacked/leaked. I have filed a police report with my local authorities and I have also filed a Federal Identity Theft Affidavit along with mass personal information leak documentation.
Product: Credit reporting or other personal consumer reports

As usual experian closes another complaint at XXXX with such an XXXX  explanation once again that makes no sense the issue is Experian NOW has stolen almost 19 months of on time never late payments to XXXX and refuse to give them back
Product: Student loan

I NEVER OPENED AN ACCOUNT IN 2018 FOR A STUDENT LOAN. YET THE REPORT IS CLAIMING I DID. I WOULD LIKE THAT CLEARED.
Product: Mortgage

XXXX I WAS ASKED TO SUBMIT MORE INFORMATION i SENT VIA XXXX AS I COULD NOT FIND THE UPLOADING KEY- THUS- THE JUDGE IN PROBATE AS THERE WAS AN ORDER - AND HEARINGS AND I FILED TO BE ADMINISTRATOR OF MY HUSBAND 'S ESTATE AND THE ATTORNEY FOR THE CREDITOR TOLD ME AS LONG AS I KEEP WORKING WITH SELECT PORTFOLIO SERVICING Inc. AT A HEARING - WHERE I BROUGHT WITNESSES TO THE HEARING AS ALL I NEEDED WAS A SWORN STATEMENT OF HEIRSHIP. AS THE XXXX  I HAVE ALL I NEED TO PROVE THAT- AND COULD NOT TRANSFER THE DEED- BECAUSE = FOR XXXX YEARS i TRIED TO SEE THE JUDGE- BEGGING AND- ONLY SECRET HEARINGS AND IT WAS TO KEEP ME AWAY FROM MY RIGHT TO DUE PROCESS- TO BE HEARD, AND TO THE EQUAL PROTECTION- TO BE FREE FROM THE DESTRUCTION OF MY HOME BECAUSE THEY DID NOT WANT NE TO LIVE THERE- SO WITH YOUR HELP HERE- AND CFPB- I WAS able TO GET THE HELP-TEMP - AS THEY WENT BACK TO FALSE PROMISES- THAT PUT ME IN THE XXXX-i AM NEEDING TO KNOW WHY AS THE " XXXX XXXX DID I NOT GET THE RIGHT TO BE HEARD? AS IF THE HEARING IS CANCELED- WHERE DID THAT ORDER COME FROM- AS i TRUSTED THEIR ATTORNEY WHO SAID NO FORECLOSURE AS LONG AS i KEEP TRYING-
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth attempt to have inaccurate information removed from my credit report. Equifax reports a 60 then 90 day late and then the next month reports 30 days late on an account. I have tried repeatedly to correct this information. I have sent my drivers license, notorized letters, copies of my social security card, my military ID, and copies of utility bills. Not only will they not remove the inaccurate information but they keep sending me letters asking for the very same documents I sent off to prove my identity.
Product: Checking or savings account

I am filing a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the most recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

XXXX. Received email from XXXX about a new credit card in my name ( XX/XX/2023 ) XXXX. Called XXXX and confirmed this is fraudulent as I did not apply for a new credit card ( XXXX XXXX, 2023 ) XXXX. XXXX said they would close/remove the account and send info to Credit Bureaus XXXX. I also noticed a hard credit inquiry that I did not initiate nor authorize XXXX. I called TransUnion and was directed to the website to report this, but then that workflow brought me to the FTC then here at CFPB ( XX/XX/2023 ) XXXX. I need to understand how to remove the hard credit inquiry ASAP
Product: Credit card or prepaid card

I received a XXXX XXXX card from Card.com and XXXX that I didn't apply for. When I tried reaching customer service the automated system simply asks me to provide personal information including zip code and social security number. I did not provide this.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of Estoppel by the silence XXXX. v XXXX ( XXXX ) XXXX XXXX Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX Auto Balance {$32000.00}, XXXX XXXX XXXX, XXXX Balance {$890.00}, XXXX XXXX XXXX Balance {$1600.00}, XXXX XXXX XXXX Balance {$140.00}, XXXX XXXX Balance {$3000.00}, XXXX Retail Balance {$4000.00}, XXXX  Balance {$3000.00}, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern, I am writing to file a formal dispute regarding multiple violations of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTACT ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). The following is a detailed account of the violations perpetrated by various creditors, which have had a profound impact on my life. 

Violation Details : XXXX, Account : XXXX Violation : Failure to remove inaccurate and unverified account from my credit report, violating FCRA Section 611 ( a ) ( 1 ) ( A ). 

XXXX XXXX, Account : XXXX Violation : Reporting inaccurate information and failure to validate the debt, violating FDCPA Sections 807 ( 8 ) and 809 ( b ). 

XXXX XXXX, Account : XXXX Violation : Failure to provide accurate and complete credit terms, violating TILA Section 226.6 ( a ). 

XXXX, Account : XXXX Violation : Inaccurate reporting and failure to provide debt validation information, violating FCRA Section 623 ( a ) ( 1 ).

XXXX XXXX XXXX | XX/XX/XXXX Violation : Reporting of unauthorized account without my consent, violating FACTACT Section 605B ( a ) ( XXXX ). 

XXXXXXXX XXXX  XXXX | XX/XX/XXXX Violation : Reporting unauthorized account, violating FACTACT Section 605B ( a ) ( 1 ). 

XXXX XXXX, Account : XXXX Violation : Reporting unverified and inaccurate account, violating FCRA Section 611 ( a ) ( 1 ) ( A ).

I kindly request that the Consumer Financial Protection Bureau enforce the applicable legal provisions to rectify these violations. It is my earnest desire that the creditors remove these unverified and inaccurate accounts from my credit report, thus restoring my ability to secure credit, housing, and employment without unjust hindrances. 

I appreciate your attention to this matter and your dedication to upholding consumer rights. Enclosed with this letter are supporting documents, including copies of relevant credit reports and correspondence with the creditors in question. 

Thank you for your prompt attention to this dispute. I look forward to a swift resolution that will allow me to regain financial stability and peace of mind. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am XXXX XXXX XXXX and I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX credit bureau and found that several MCA MGMNT CO accounts, with the account number XXXX was reporting to be negative on XXXX . I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX XXXX  Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a hard pull on my credit report from a XXXX XXXX on XXXX XXXX, XXXX. There was no reason for this pull, as I have never heard of this bank or any of its affiliates. My credit report is already in the " below average '' category, and I would have no reason to do any business with this organization. Therefore either XXXX pulled the wrong report, or a fraud has occurred. 

Again, to be clear, I did not authorize in any fashion a pull of my credit report by XXXX or any of its associates/affiliates. Please investigate as to why this inquiry was performed and a hard pull was done on my credit. I am trying to improve my credit, and I would have no reason to do business with this organization as it is clearly out of my league at this juncture. 

My personal information is obviously very important to me, and I need this looked into. 

XXXX regards, XXXX XXXX
Product: Credit card or prepaid card

I submitted a complaint about Navy Federal Credit Union not wanting to lower my interest rate or defer payments temporarily before. They relented until I submitted a complaint but have set terms that would cause me to default like making my payment due on a Sunday ( when nobody is working to collect payment ). They set shady terms that favor them and go against the consumber ( me ) to purposefully trigger a default or delinquency. The terms in the deferment state that my payment is due Sunday, but if payment is made early the lower interest rate they set will be canceled, and if the payment is made after the due date the card will be delinquent. These terms that they set are not conducive of honest dealing in caring for their customers nor fair. On the app they still have my interest rate at 17.99 % when it was supposed to be lowered to 3 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reach out to XXXX many times and advise them these companies did not have my permission at all to run my credit I have even reach out to the companies and they still have not remove them. I went to XXXX XXXX and got a car from them only and never went anywhere else. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Multiple issues. They are calling my wife at her phone. Ive sent letters asking for debt validation, for them to stop calling her phone, for them to cease communication with me until they verify the debt. They call multiple times a day after being told to stop. They are illegally recording calls without my consent being Im in the state of Nevada. They frequently call before XXXX and it is stressful. My infant son had been awoken several times because of this unprofessional behavior. They have completely disregarded everything that I have asked them to do. This is a summery and not all inclusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
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 {$29000.00}, {$59.00}. 
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 ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$59.00} -This is not my account.
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries XXXX5 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.