23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received emails and phine calls from spire recovery solutions. I told th on the phone and via email to send me via certified mail any a d all documents pertaining to the supposed debt and to cease and desist all collections and reporting until such time as the debt has veen validated. On XX/XX/XXXX i received confirmation from them via email that they would get those documents mailed out to me. Then on the XXXX they called again to attempt collection and once again today XX/XX/XXXX.
Product: Vehicle loan or lease

I am being harassed by XXXX XXXX XXXX. They called my work after I asked them to please stop. It is disrupting my day. They even ask my coworkers what my schedule is and what time I will be in. They call me repeatedly over and over again. 4 times in one hour at work. I understand that I am behind and if they want to call my cell phone that many times then they can but to call me that many times at work is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called XXXX  and was told they would not investigate unrecognized inquiries on my report They are not correctly verifying items on my credit report I have disputed items in the past and they keep coming back as verified but no real investigation is being done by a live human being. I have uploaded letters from the court system stating that XXXX  has not reached out to them and that they have not verified any information. I was informed that XXXX  uses a third party provider and they pull information from public records. I have not authorized anyone to access my personal credit files
Product: Debt collection

checking XXXX and it says i have one duragatory mark in the XXXX but not XXXX?? for a american medical collection, that was paid awhile ago for XXXX $???? this is affecting my credit scores
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I applied for the XXXX XXXX Bank credit builder credit card. Account was approved and then closed the same day. They have now reported this account to my credit bureau reports as a closed account and that it was closed at the credit grantors request. The account should have never been reported to the bureaus as it was closed the same day it was opened. In addition to that, it caused my credit score to drop as a result because it shows an account opened then closed. I asked them to remove it and all they could tell me was to have the credit bureaus remove it.
Product: Credit reporting or other personal consumer reports

Fraudulent account was opened with XXXX XXXX  on XX/XX/year>.
Product: Credit card

After being with my bank for over 25 years all of my accounts were closed by Bank of America on XX/XX/XXXX without any notification. I did not have any penalties or violations on my account. When I called they said they had made a business decision to close my account. 
I'm in the process of transitioning my accounts and I went to transfer my rewards cash to my account and was unable to transfer. They stated that because accounts are closed I can not get my rewards cash. The amount of rewards cash is about {$5000.00}. 
This is completely unfair. They closed my accounts and cause a disruption and then I lose the {$5000.00} that they owe me. I'm okay working wth another bank and prefer to work with a company that wants my business. But stealing {$5000.00} from me is criminal. 
I called and they escalated it to a hire department. They only state that their policy is that once account is closed by either party your rewards are cancelled. 

I still have a balance on my credit card that I'm obligated to pay.
Product: Debt collection

This debt it being marked as a recent collection which in return dropped my XXXX XXXX. Debt collectors are not allowed to drop my XXXX XXXX again even when they purchase a new debt account. This account has been in collections since XXXX but in XXXX of XXXX its showing as a recent collections which resulted in my credit dropping. Attached proof that debt was before XXXX. Should not be impacting my score again.
Product: Credit reporting or other personal consumer reports

I have recently found out that someone has used my personal information to open 2 loans and 1 credit card under my name which are now reporting on my credit. I am a victim of identity theft and have filed and made reports with agencies and am also filing complaints and reports with local law enforcement departments in order to properly dispose of incorrect information on my credit report that certain financial institutions are placing on my name. 

I do not know who used my information, but these accounts must be removed from my credit report! I am attaching the report I filed with the Federal Trade Commision, as well as the affidavit and complaint of ID Theft which I had notarized in front of an official, in order for my request/demand to be made and have the accounts listed below removed from my credit report. 

The following listed accounts have been opened using my personal information without my authorization : XXXX XXXX XXXX XXXX {$12000.00} ( CREDIT CARD ) XXXX XXXX XXXX XXXX XXXX {$21000.00} ( LOAN ) XXXX XXXX XXXX XXXX {$15000.00} ( LOAN ) These three accounts are fraudulent, unauthorized, and were not opened by me!
Product: Credit reporting, credit repair services, or other personal consumer reports

For several years I have not been able to cash a check in my name even though i give the correct SS. I have tried for three years now XXXX to check my credit score through credit karma, XXXX  XXXX, and XXXX, and every time i fill out the information regarding me it asks about accounts being opened in my name which i have never opened. And when i put none, as in i have no recollection of opening the accounts, it says that my identity can not be verified. And i know for a fact i have never opened up anything in my name because i just got my first apartment in 2020. When i have also put forgot username or password on one of those sites it had email that was not mine, XXXX, and mine is XXXX that was linked up to one of the accounts. So i do believe there is someone who has opened up accounts in my name.
Product: Credit reporting or other personal consumer reports

Third Attempt!!! 
CFPB : Complaint XXXX Date XXXX CFPB : Complaint : XXXX Date XXXX On XXXX transunion emailed me the results of the investigation of dispute submitted on the complaints above. With the outcome of the accounts disputed VERIFIED AS ACCURATE. 
XXXXXXXX XXXX  XXXX # XXXX Balance {$17000.00} XXXX XXXX XXXX XXXX Balance {$320.00} XXXX XXXX XXXX XXXX Balance {$990.00}. 
I asked Transunion to Provide the Method of verification and I haven't received proof of how the method was conducted.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for failing to conduct a proper investigation into the inaccuracies I have disputed on my credit report. Despite my repeated submissions, Equifax consistently responds within 24 hours, asserting that the disputed information is accurate without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information. Additionally, Equifaxs actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as outlined in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) take appropriate action to ensure Equifax complies with federal law and provides consumers with verifiable proof of a proper dispute investigation, rather than issuing automated, unsupported responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX and Equifax has violated my rights. 15 U.S.C 1681 section 602 A 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 please DELETE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy : Bankruptcy, XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION XXXX XXXX XXXX  XXXX  XXXX {$2200.00}, XXXX  XXXX XXXX {$450.00}. i didn't give XXXX equifax consent or written instructions to report the accounts listed above. Please respect my privacy and remove.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX Date of inquiry : XX/XX/2022 XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX  XXXX Date of inquiry : XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act, XXXX  XXXX, XXXX  XXXX, XXXX XXXX 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 XXXXXXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, I have been challenging things on my credit. There are items on my report that are not mine. There are duplicate accounts shown for the same erroneous items. I have not received any response from the credit bureaus. It has been 7 months of me trying to get the incorrect items removed. The Dates of my most recent letters are below : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 There are 38 Inquiries on my XXXX that I have continuously asked to be removed. 
There are 25 Inquiries on my Experian that I have continuously asked to be removed. 
There are 22 Inquiries on my XXXX that I have continuously asked to be removed. 

There are 3 Derogatory Marks on my XXXX that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

There are 3 Derogatory Marks on my XXXX that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

There are 4 Derogatory Marks on my Experian that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

I simply would like the Credit Bureaus to Uphold the law and delete these erroneous accounts from my credit report.
Product: Credit card

I am the sole owner of the email address XXXX. However, I continue to receive emails from Marcus Goldman Sachs regarding a XXXX credit card account belonging to XXXX. Despite multiple attempts to resolve this issue through emails and phone calls, the issue remains uncorrected. 

I have requested that a verification email be sent to my address to confirm my ownership, but this request has been denied. As a result, I receive monthly notifications about XXXX account status, including payment reminders, which should not be sent to me. 

Additionally, I have a XXXX credit card account with your company, and I suspect this error is why I was initially unable to use my XXXX address when setting up my account. Instead, I was forced to create a new email address ( XXXX ) to proceed. 

Please confirm receipt of this message and provide a timeline for resolution. I appreciate your prompt attention to this matter. 

Best regards, XXXX XXXX [ Your Contact Information ] Best regards, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX SC XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently submitted a dispute with transunionXXXX XXXX, and XXXX. I have five closed accounts that where paid off in full but are still being reported on my report. I was told by each creditor that if I paid off my closed accounts they would be remove from my report and that was false. I let all three bureaus know of this falsehood and I have not received any response and the last thirty days Section 15 U.S. Code 1692e states False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. These accounts are not associated with me there is no original contract with my information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all 3 credit bureaus- XXXX XXXX TransUnion XXXX and XXXX disputing this Account with ( XXXX XXXX  ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX  ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Debt collection

This reported debt has been removed from my credit report numerous times as it has been found to not be my account. This company must have purchased the debt again and are refusing to provide me proof that this debt is mine. I have never been to this medical facility. I have disputed this through the credit bureaus but they have failed to provide me that proof and only list it as verified. This account is not mine and I have no contract with debt recovery solutions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$8600.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XX/XX/2022.
Product: Checking or savings account

I opened a personal checking account on XX/XX/XXXX. The bank was offering a {$450.00} promotion when you deposit XXXX XXXXXXXX and have a XXXX XXXX balance for 3 statement cycles. In addition, they required 10 account transactions per cycle for 3 cycles. I opened the account on XX/XX/XXXX at the branch with {$5000.00}. I did 10 transactions on XX/XX/XXXX, 10 transactions on XX/XX/XXXX, 10 transactions on XX/XX/XXXX and 10 transactions on XX/XX/XXXX. I should have received the bonus in my account on XX/XX/XXXX, which was 10 days afterthe requirements were met. Today is XX/XX/XXXX and I still haven't received the {$450.00} bonus. I have called the bank and customer solutions about 6 times to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX Collection : XXXX Balance Owed : {$2100.00} XXXX XXXX Balance Owed : {$100.00} XXXX 'S XXXX Balance Owed : {$110.00} XXXX 'S XXXX Balance Owed : {$110.00} XXXX Balance Owed : {$0.00} EXPERIAN Collection : XXXX Balance Owed : {$2100.00} XXXX Balance Owed : {$0.00} Inquiries : XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX Collection : XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My Master business card was used without my permission in XXXX XXXX United States while I was in XXXX. The bank flagged the purchase as fraudulent contacted me and I confirm it was fraud. At that point are charge of approximately {$3000.00} was already authorized by the bank. The other charge got denied. I started a fraud claim at the same time and the claim was denied two times by the bank. The bank stated that I needed to investigate with the store myself for more information about the fraud, which I did. I went to the apple store where they provided me information about how they display the method of payment on their receipts ( receipts attached ). They explained when the method of payment says " chip '' it can also mean that apple wallet or other touchless payment methods were used ( meaning, the card does NOT need to be present ). They also informed me when XXXX wallet is used, they are not allowed to ask to verify ID, and that is probably what happened. I also went to the police and filled a police report and authorized them to press charges against the people who did this. The police report is attached. At this point the credit card Company needs to not only remove the charges from my credit card, as well as all incurred fees, but at this point they will also need to mitigate the situation by providing me with with points in my card that are equivalent to {$5000.00}, due to all stress and all the time I had to invest investigating it myself. They completely missed the facts and were oblivious to the facts I was providing and refused to look further as they told me " I had to drive to LA to get answers from the store ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested XXXX original creditor to send validation or remove from credit report. The only thing they say is that account is verified. I never received any validation from anyone.
Product: Student loan

I used my husband 's debit account to pay my student loan bill. Navient would n't take the payment because my husband is not on my loan. They returned the payment and did n't notify me that my bill was due causing late fees and hurting my credit. I am on the IBR plan, and I do n't know how that will affect my payoff. 

I also work in non profit, so I was planning on applying for loan forgiveness after 10 years of payments.
Product: Payday loan, title loan, or personal loan

I applied for a loan with TD Bank and was approved at an interest rate of 14.9 percent. I current have a loan with them at 10.99 which is getting paid off with my new loan. I asked why the interest rate would be higher and was told its because my credit score is XXXX. I asked where they get their scores from and was told they pull from XXXX. I actually have an account with XXXX so I pulled my score directly from them which is a XXXX. I sent this to TD bank and was first told this was probably a XXXX XXXX score. I advised them to look at my email again and they will see it came directly from XXXX. At this point I was told they use a module system which had me scored at XXXX. I explained that this odd to me that they claim to use scores directly from the credit bureau but now they are telling me about this module system. As a long time customer of the bank who has always paid my accounts on time without issue, I find it highly concerning and deceptive to alter credit scores that come directly from the credit bureau