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

Someone has used my information to open fraudulent accounts. I have taken legal action against all parties. I have been advised to take the legal actions against two of the Credit Bureaus, Equifax & XXXX, for reporting inaccurate and fraudulent information and accounts. The Account is XXXX XXXX, Account # XXXX, Balance is {$750.00}, & Date Opened is XXXX XXXX, 2018. This account was opened fraudulently in my name. According to the creditor, the account was opened XX/XX/2018. I was XXXX  during that time. I would have been able to open this account and I did not give anyone permission to do so. I have provided documentation supporting this. I demand this account be removed immediately.
Product: Credit reporting

The address listed on my Experian report is wrong. Credit card listed does not belong to me. I never had the reported credit card listed on this report and never lived at the address on report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get the credit bureaus to validate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. Please have them delete these unauthorized inquiries. 

XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX  Finance Companies - non specific Inquiry date : XX/XX/XXXX XXXX
Product: Debt collection

I sent a letter via certified mail on XX/XX/year> and they did not respond with the information requested. The letter is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX  XXXX, MD XXXX National Recovery Agency XXXX XXXX XXXX XXXX, PA XXXX Thursday, XX/XX/year> RE : XXXX To Whom It May Concern, Your company is reporting the below referenced account on my credit report as a collection account. 
-XXXX  XXXX XXXX XXXX {$370.00} I have disputed this item with the credit reporting agency XXXX and they reported you confirmed the account as valid.

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely matter, will be considered a waiver to any and all your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or a waiver of status. 

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

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX  XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX  XXXX Balance Owed : {$280.00} XXXX XXXX CO XXXX Balance Owed XXXX {$540.00} XXXX  XXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove 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 information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding inaccuracies on my credit report maintained by XXXX, XXXX, and Experian. I have been affected by multiple data breaches, including the Missouri XXXX XXXX in XXXX, XXXX XXXX on XX/XX/XXXX, XXXX in XX/XX/XXXX, and most recently, another incident on XX/XX/XXXX. 

These breaches have significantly compromised my personal information, leading to fraudulent charges on my credit cards and unauthorized access to my bank account. Consequently, I have had to open a new bank account to mitigate the damage. Despite my efforts to communicate with all three credit bureaus regarding these issues, the inaccuracies on my credit report remain unresolved, including items that I have disputed as fraudulent. 

Specifically, I am seeking guidance on how to rectify the inaccurate items on my credit report, as I believe that the data breaches are directly linked to these discrepancies. I am willing to provide proof of the fraudulent charges and the impact on my bank account if needed. 

It is crucial for me to have an accurate credit report, and I respectfully request your assistance in addressing these matters. Thank you for your attention to this pressing issue. I look forward to your guidance on how to resolve these inaccuracies. 

Sincerely, XXXX XXXX
Product: Debt collection

Repeated calls through the day ( XXXX to XXXX ) and they do not leave a message. After they call once, they call a XXXX time right after from a different number. 

Each time, they do not leave a message, but I looked up their number and found their information. By law, they are required to tell me about the debt and what they want from me. 

The company is Hoosier Accounts Collection Agency, XXXX, NE.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting a past due account with XXXX XXXX XXXX on my credit report. This is not my account and I have disputed this account with the credit bureau and the creditor several times.
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. 

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

CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong JEFFERSON CAPITAL SYSTEM company this is a written request for you to cease and desist all forms communication with me effective immediately. 
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Furthermore you have no jurisdiction or authority to collect on this allege debt.

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.

volenti non fit injuria Volenti non fit injuria is Latin for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine.

You JEFFERSON CAPITAL SYSTEM knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON Volenti non fit injuria Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
Product: Debt collection

I am the victim of identity fraud and I have had multiple credit card accounts opened under my name of which I have had no control over. I have called every credit agency and credit card company multiple times to try to get rid of these accounts but there is still an account on JC Penny for which they did not remove, and there was a late payment associated which has hurt my credit score. I have called many many times to try to recitfy the situation and they still have not been able to fix the situation. I have no control over this account and have no way of figuring out how to remove these issues from my credit report.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up on Dispute Submitted XX/XX/year> Request for Immediate Action To Whom It May Concern, I am writing to follow up on a dispute I submitted regarding an XXXX XXXX collection account on my credit report. The dispute was submitted on XX/XX/year>, and as of today, I have not received any update or resolution regarding this matter. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes and provide a response within 30 days of submission. It has now been more than 30 days since my original dispute, and I am concerned about the delay in addressing this issue. 

I am requesting immediate action to complete the investigation and remove the XXXX XXXX collection account from my credit file. This account is inaccurate and should no longer appear on my report. Please provide me with a written response and confirmation of your investigation results detailing the investigation and proof of the deletion as soon as possible. 

I appreciate your prompt attention to this matter and expect a resolution without further delay. 


Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting AcXXXX XXXX XXXX Acct # XXXX has violated my rights.

15 USC 1681 section 602A. states I have the right to privacy.

15 USC 1681 section 604A section 2 : it also states a consumer can reporting agency can not furnish an account without my written instructions This account is also reporting inaccurately on a number of data points.

The account is reported as open which is illegal and inaccurate.as it is not an active account and is a collection.

The account is also reporting as a charge-off but is allegedly a collection which is illegal and inaccurate. 

The account is also reporting ok payment history on XX/XX/XXXX then shows as a charge off as of XX/XX/XXXX which is illegal and inaccurate. 

I have also attached a letter. Transunion has deleted this from my credit report due to the multiple inaccuracies and illegal reporting and I expect XXXX and Transunion to follow the law as well.
Product: Credit reporting or other personal consumer reports

Every XXXX hours, sometimes 2 times per day and on the weekends at night, after midnight when Im sleeping Experian sends me emails telling me my Credit Score has increased. 
Also they send me emails separately telling me I have new credit card offers. 
And they send emails separately saying I have new loan offers. 
Yet every time I go to check, my score hasnt increased. It either is the same or decreased. 
In addition to that I never have new offers usually the same offer from years prior or no offers at all. 

They falsely advertising to encourage me to open the application and log in. Its a waste of time, its frustrating, especially when its false and based on nothing. And its disrupting my life all hours of the night 365 days a year. And is causing harm to my score by what I mention below. And Im sure XXXX  of other Americans are facing the same issue with Experian. 

They advertise loans that I will not qualify for and say will not effect my score to check, yet it always puts an inquiry and lowers my score when I do check. 

I have all the emails saved.
Product: Credit card or prepaid card

Capital One Credit Card is Refusing to increase my credit limit they continue to issue denial letters over and over stating that I have too many Inquiries or that the payments are not enough which is a lie. If you view below I have made this year XXXX in payments which averages out to XXXX per month.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you 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, NV XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$3.00} ; XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX Capital One Acct # XXXX Auto : XXXXXXXX XXXX XXXX Last Payment Made : XX/XX/XXXX ( Automatic Payment ) Amount : {$180.00} Agreement Illegal Repossession Please be advised that I have been in a payment arrangement with Capital One Auto Loan making payment through automatic pay every month. Capital One takes the money out of my bank account from my social security XXXX check the first week of every month. On XX/XX/XXXX I went outside to find out that the car was not in front of my house. I called my local precinct XXXX and as per the police officer findings he stated that Bank Repossession was Reported. I spoke with the bank and they stated that the was a {$400.00} dollars repossession fee assessed I asked why have they not sent me a notice to my home or call me, they stated Do Not Call in which we have never noted and that must have been done at their end but since there is an automatic payment agreement might have NOT been a need to call me. I stated to them that in the 5 years that I have had the car that I have never had said problem. I explained that I've been the one calling them requesting for a vehicle modification due to Global Covid-19 Pandemic " Hardship '' and Landlord/Tenant problems in which tenants were not paying rent causing for me to call my creditors requesting loan modification, forbearance agreement, vehicle modification, and other type of payment plans in order to keep my account " Active '' and in good payment standing with my creditors. As a Consumer Financial Protection Bureau, I would like for you to contact Capital One with my complaint since now they want for me to pay over {$2300.00} dollars when they have been taking the payments themselves out of my bank account. 
I want for them to reconsider their action as illegal repossession and I want for them to get my account back as " Active '' and in good standing with the credit bureaus as well as with their internal financing. Thank you. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my consumer report and noticed hard some accounts that do not belong to me
Product: Credit reporting or other personal consumer reports

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Experian and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me XXXX  for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Product: Debt collection

THIS ACCOUNT IS NOT MINE!!! This is a violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) and it must be deleted within 4 business days which already past because I AM A VICTIM OF IDENTITY THEFT BY LAW. DELETE THIS NOW. REMOVE IT OFF MY CREDIT REPORT IMMEDIATLY.
Product: Vehicle loan or lease

My leased XXXX XXXX XXXX was repossessed in XX/XX/XXXX and GM Financial has repeatedly tried to collect a balance it claims is due. According to California 's Vehicle Leasing Act 2987, I did not receive a notice at least 10 days in advance of the disposition and/or the determination of the value of the vehicle. I did not receive an itemization of the determination of accrued fees, nor did I receive an inspection report in the letter of the costs in which it referred to as an " enclosed inspection report. '' I was also not given reasonable notice to personally hire a professional appraisal of the vehicle for the purpose of valuating and determining what was to be owed on the lease.
Product: Debt collection

The name on the collection is not my person. I was not aware nor did I approve the service. The collection agency was provided my name and address by the person responsible for the dept ( XXXX XXXX ). I requested several times from collection agency to see verified proof through physical verification of the original signed contract. They continue to report the debt to my XXXX Credit Bureau as verified dept and they can not provide physical verification of the original signed contract. 

Account name : COLLECT ION CONSULTANTS OF CA Also known as : COLLECTION CONSULTANTS Account number : XXXX Account type : Collection Status Collection account : {$1.00}, XXXX past due as of XX/XX/2022. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2024, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these account to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance : {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX   credit report reveals that a fraudulent application was submitted with her information that resulted in an inquiry XX/XX/XXXX and again XX/XX/XXXX that she did not authorize with XXXX XXXX. An official dispute of this action was sent to XXXX XXXX XX/XX/XXXX however as of this date no response or reply has been received as to the outcome of the investigation which is a violation of FCRA. 
In addition an application was filed with Sears/CBNA XX/XX/XXXX and the official dispute of this was sent to CBNA XX/XX/XXXX and again, no notification was sent to my client concerning the outcome of the dispute status which is also a violation of CFRA.