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

I have for years worked on getting the information on my credit report corrected with the agencies and creditors. The agencies have all sent stall letters stating they will not investigate as they believe a third party is requesting the information despite providing them with all of my personal identifying documents. I am providing my most recent request that is not a dispute but seeking the information once again.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several inaccuracies in my personal information listed in your records. These errors pertain to my name, addresses, phone numbers, and employment history. 

I request that you review and correct your records with the accurate information. Accurate personal information is crucial to avoid further miscommunication and potential issues. 

Thank you for your prompt attention to this matter. I look forward to your confirmation once the corrections have been made.
Product: Debt collection

I am receiving repeated text messages from an entity called Shepherd Outsourcing about a debt that is not mine. I have received 1 text every week beginning on XX/XX/year> - to date, I have received 6 separate texts referring to this debt. The messages are addressed to " XXXX '' ( not my name ) and refer to a XXXX XXXX XXXX XXXX XXXX XXXX They also mention that the current creditor is XXXX XXXX XXXX XXXX. I have never had a XXXX XXXX XXXX account and this debt does not show up on my credit report, so I don't think it is a matter of identity theft but is rather a misdirected communication. I have not responded to any messages or followed any links included in the messages.
Product: Credit reporting or other personal consumer reports

It is my personal statement that the inquiries that I have listed are a result of identity theft and must be deleted within four business days of your receipt of this report pursuant to 15 USC 1681c-2. Also, Pursuant to 15 USC 1681e ( b ) please update my personal information to reflect accurately on my credit file.

SEE ATTACHED IDENTITY THEFT REPORT.
Product: Credit reporting or other personal consumer reports

To whom it may concern : My name and address Is incorrect XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Ms XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a XXXX  in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust XXXX XXXX, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Product: Debt collection

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. 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 ( e ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. XXXX and XXXX must remove any item that was 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My initial complaint number is XXXX. I wanted to get help with issues related to missing money from my checking account. The bank claimed that the financial tool that I used from their app was only supposed to be used for informational purposes only. However, the same financial tools can be used for helping with budgeting and managing finances. I used the tool for managing my finances for my checking account and discovered that my account was missing money. The tool indicated that there was more income than income for the checking account than spending. The difference as of today according to the financial tool is a bit over XXXX dollars. I have proof of the spending and income according to the financial tool and proof of unknown transactions from the app. The photographs should show enough proof because of the date of the unknown transactions from this morning. The unknown transactions are for amounts of {$22.00} and {$160.00} today XX/XX/2023. The photos should be attached to this message or uploaded with my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a fraudulent Capital One open in my name. I have Disputed this multiple times as well as File a complaint with the police department and I also submitted a FTC to the credit bureaus XXXX  & XXXX. XXXX  has removed the account but XXXX  & XXXX have not.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

SYNCB/TJX DC Inquiry date XX/XX/2022 I did not authorize a hard pull of credit by this company on this date or at all. Due to this hard inquiry it is preventing me from doing things to this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX -- This account is pure identity Theft and wrong!!! 

XXXX XXXX XXXX {$310.00} -- This account is pure identity Theft and wrong!!! 

XXXX XXXXXXXX -- This account is pure identity Theft and wrong!!! 

XXXX XXXXXXXX -- This account is pure identity Theft and wrong!!! 


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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I recently set up a payment agreement with Raush Sturm on XX/XX/2018 for a payment agreement and paid {$1000.00} to start the agreement. I received a letter fom XXXX XXXX that they now have my account after I just set up an agreement with Raush Sturm to pay the reminding settlement amount of {$1300.00} in the next 6 months. I called Raush Sturm they said my account closed and they do not know why. This happened before where they said my account closed and they didn't have it than a week later someone called me saying they do have it and now again my account is closed. I just do not understand how I set up an agreement with Raush Sturm two weeks ago and now it is closed and XXXX XXXX has my account. I need to know what is going on and who I need to pay and why the account got closed
Product: Debt collection

LVNV FUNDING is claiming that I owe them {$620.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Debt collection

This is a different complaint about Portfolio Recovery because the previous one was closed .... Portfolio Recovery Associates is NOT LICENSED in the state of Florida. I have 2 collection accounts on my report from them that they will not remove. Portfolio Recovery Associates has been illegally reporting delinquent information to the credit bureaus, I am asking that this information be deleted. I do not have a signed contract nor any contract with Portfolio Recovery Associates. I have never done business with this company. Again, this company is not licensed to collect in the State of Florida I already researched the states website to verify this. I want this removed immediately from all of my credit bureau files. I do not have any contract with this company, and no validation has been received by the credit bureaus for proof of this. I do not have a contract with this Portfolio Recovery. I have never signed a contract with them and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company. I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent and Signed contract with my signature.
Product: Student loan

originally got loan through fasfa now they sold my loan to nelnet who will not give me any information about a repayment plan to start paying it down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I HAVE NO IDEA AS TO HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. IT IS WITHOUT A DOUBT THAT MY IDENTITY HAVE BEEN ATTACKED BY SOMEONE UNKNOWN TO ME. I AM VERY CAREFUL WHEN IT COMES TO MY PERSONAL INFORMATION.

THIS SITUATION IS CAUSING ME A GREAT DEED OF STRESS SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Mortgage

Fifth Third Bank is the servicer on my mortgage and responsible for paying all property taxes on the property pursuant to the escrow agreement. Since  XXXX  of 2014, they have failed to pay a portion of the property tax. That outstanding portion sat on my account unpaid and collecting interest. I only found out about this when I was in the processing of re-financing the loan and the outstanding amount was discovered. I have asked Fifth Third to reimburse me the amount of interest that unpaid portion of the property tax and they have yet to respond. I fully expect the interest charges on that amount to be reimbursed and feel a fine should be in order. If I had n't refinanced and caught this omission of duties on their part, I 'd be looking at a huge property tax bill some 26 years down the line when I finally manage to pay off my mortgage. This is completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
XXXX XXXX
Product: Bank account or service

On XX/XX/XXXX my card was copied and used at an ATM to deposit XXXX {$500.00} checks and a withdrawal for {$200.00}. I saw these transactions the next morning on XX/XX/XXXX and immediately called because my account had been closed due to the fraudulent activity. I was told that the deposit and withdrawal had been declined and that they would reopen my account. The next morning on XX/XX/XXXX I see that the deposits had in fact bee removed but they had gone ahead and approved the {$200.00} withdrawal even though there were no funds in the account and knowing full well that the account had been compromised because it turns out that they reopened the card the day before when they deactivated my account after having spoken to me. It is now XX/XX/XXXX and my account is still in the n fatigue because they are declining my claim for fraudulent activity because " a debit card transaction can not be fraudulent ''. I was told for two weeks of daily calls that they were going to get this claim taken care of and the account credited for the {$200.00} but kept blaming their inability to do so on an " international glitch '' that was allowing me to see the credit. I have been hung up on at least a dozen times, called stupid, transferred to other departments in XXXX so I do n't understand and I can not get anybody to help me.
Product: Money transfer, virtual currency, or money service

I have been guided to your website by an aid from U.S. Senator XXXX XXXX 's office Ohio 's XXXX District.. 

I have leased a safe deposit box of which I have contracted to lease from the local Chase branch and is currently up to date fees as required for the lease of the box of. Which I've leased for approximately one and a half years. I was told by an officer of the bank I would always be able to access my box during bank working hours.. 

My dilemma is such that the aforementioned bank, Chase Manhattan located at XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX is currently closed. No one working the outside window and nor is anyone available by phone inside the branch. In addition I have contacted Chase Manhattan corporate offices- consumer relations department and have not gotten anywhere. I contacted the local XXXX XXXX police department to see if they had an emergency contact also to no avail. 

I understand Chase closed many branch offices due to Coronavirus issue, However I was not given an opportunity to retrieve my valuables before the bank closed. No communication at all from the Chase branch either via e-mail, USPS or via phone. .I am laid off from my work due to to the Coronavirus issue and desperately need to access my valuables so I can sell them.in these trying times. 

I do not think it is ethical that Chase is not allowing access to safe deposit boxes, while other banks are. at this time. I understand these are stressful times for all but adding stress at any age weakens one 's immune system. 

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

On XXXX XXXX XXXX  XXXX placed a fraudulent account wich reported on my credit report profile 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a concimelam demanding the deletion of the
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed hard inquiries with XXXX, Equifax, and XXXX. They have yet to remove these fraudulent hard inquires. I have already supplied my FTC report twice. This is why I am escalating this matter to you.
Product: Debt collection

I have tried to contact this collection agency, Midland Credit Company and XXXX XXXX XXXX asking them several times to send me vertifiable Proof ( Original Consumer Contract with my signature on it ) stating this debt of XXXX is mine. I sent ( 4 ) different letters asking for the information to be sent on XX/XX/2019, XXXX XXXX, XX/XX/2019 and XX/XX/2019. They have failed to positively verify this account which has hurt my ability to obtain credit. Midland Credit Management continuously sends bills and collection letters in the mail that DON'T belong to me. Under the FCRA, unvertified accounts must be deleted if the company is unable to provide me with a copy of vertifiable proof and this company is refusing to do so. Please assist in having this account removed from my XXXX, XXXX  and XXXX Credit 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 RighTo Privacy And confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a 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 permission.

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 antedated 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 or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX Date of inquiry : XX/XX/year> XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

I have an amazon store card through synchrony bank and I was informed that I owed a outstanding amount plus an increased delinquent fee. Thing is, I had been informed by Synchrony bank that my balance was ok ( i got e mails ) I paid on the first, second and third of XXXX about XXXX, XXXX and XXXX something ( each date corresponds with the amount i just mentioned. I called synchrony bank ( today XX/XX/2022 ) and they said that my bank didn't pay, except I have evidence that I have paid ( in my banks financial statements ). I also have emails from synchrony bank saying my amount posted. I am writing up a complaint to fax to the company and I plan on providing more information to the CFPB.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries that appear on my Equifax credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX