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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an ID Theft Report. Please find the ATTACHED documents to assist in the removing and blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX Balance XXXX {$1000.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX, NC XXXX TRANSUNION : XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$37000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit card

I called American Express today asking for information regarding the charges on the account. I wanted to know what the charges are and the amount. American Express is refusing to give me any information.
Product: Debt collection

Foster and Garbus LLP is attempting to collect a debt for XXXX XXXX XXXX which was purchased from XXXX XXXX, which defaulted on XX/XX/2002 for the amount of {$1800.00}, the original amount owed was {$500.00} dollars and amount that is being billed on demand {$1800.00}, this debt is XXXX years old.
Product: Debt collection

I do not have a contract with Diversified Consultants. There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. They are reporting on all XXXX of my credit reports and they need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint to TRANSUNION for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment and violation under FCRA policy and CFPB on the medical collection.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

My private loans will not work with me during my economic hardship. I currently am on government assistance and gross $ XXXX/month. My rent alone is $ XXXX/month. I can not make payments on my student loans with this amount of debt, and they will not help me at all.
Product: Debt collection

On XX/XX/2020 XXXX XXXX received a dispute from me regarding an alleged debt that I owe. They bought a debt from XXXX XXXX who claims that I owe {$1500.00}. I've never had an account with XXXX XXXX, therefore I don't owe anything to that company. I asked XXXX XXXX to provide documentation that proves this debt is mine. They could not. They sent me 7 pages of documents in which NONE bared my signature. There were pages that had my name typed in but nothing that shows where I signed. That is because I never signed anything and this claim of debt is completely erroneous.
Product: Credit reporting, credit repair services, 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 Equifax credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}.
Product: Student loan

My son has multiple student loads serviced by Navient , Inc, one of which I have cosigned. I have been paying on this loan. Navient consistently applies the payment to a loan that I have not cosigned on, despite the correct loan number always being include with or payment. My wife and I call and try to get the payments applied to the correct loan which always takes a lot of time and effort. Sometime they will tell us the payment was corrected when it is not. This happens so consistently it can not be there incompetence, but must be there policy. We are now being threatened with collections.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXX XXXX XXXX XXXXXXXX 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 or other personal consumer reports

Recently Checking my credit report I noticed that I've been a Victim of Identity theft and found numerous credit Inquiries I have no Knowledge of here are the inquiries that I've found : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/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 XX/XX/XXXX I also Attached my Identity Theft report as well.
Product: Credit reporting or other personal consumer reports

For almost a year now, I have been attempting to have ONEMAIN removed from my credit profile. This account is inaccurate and by the means of fraud. Ive never had a one main account ever and this has been hurting my ability to Bank and my ability to function in society. Ive been reporting this matter for over a year now and XXXX continues to report this innaccurate information on my account. 

By FCRA they have the duty of removing and correcting Inaccurate, incomplete, or unverifiable information usually within 30 days. 


Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. 

- If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ).

FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 


Due to the overt disregard for the Law which all credit reporting agencies and furnishers must comply by I demand a serious removal of the ONEMAIN account from my credit reporting profiles immediately also The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRA ) demanding that furnishers and credit reporting agencies adhere to my rights and obligations. 

this had been demeaning and hurtful to my ability to BANK, LIVE, WORK. and ive stated with clearness that this is Not mine never been my account and I wish for this to be REMOVED!
Product: Checking or savings account

I made a purchase on XXXX on XX/XX/XXXX, for {$69.00}, I received an email right away stating the received my order and would notify once it shipped, well its been a few weeks and I still haven't heard anything so upon doing some research I found the website was a scam, there is no way to get in contact with them, the email address they sent doesn't work, I contacted my bank to dispute it and they basically told me im XXXX out of luck, whether I received anything or not is not their problem its mine
Product: Credit reporting

I contacted the Credit Bureau, requesting validation of the Bankruptcy, because I did not file a bankruptcy. I was sent back a credit report stating that the bankruptcy had been verified by the XXXX Court ( but no documentation to support that ) and if I had questions to contact the XXXX Court at the address listed on my Credit Report. I sent a letter to the XXXX Court requesting they 're procedure for verifying information with the Credit Bureaus and they sent me a letter back stating that they do not report to any of the Credit Bureaus.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Transunion according 15 US Code 1681- governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Response is all said varified, but know evidence on how they varified the information ; written or verbal!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello- I recently submitting identical documentation lists ( social security cards, birth certificates, drivers license, marriage certificate ) to all three credit bureaus ( Equifax XXXX XXXX XXXX and XXXX ) to initiate security freezes for my two minor sons. All the documentation that I submitted was accurate, including the spelling of names. Even with a cover letter and list of accurate documentation, the responses I received from two of the three bureaus contained errors or issues. 

From XXXX, the XXXX XXXX XXXX was correctly created for both minor accounts, but the response letter for one son has our last name misspelled ( XXXX ) instead of the correct spelling ( XXXX ). Therefore, I assume that the very first record in my minor son 's credit report has his last name misspelled. I attempted to call XXXX to correct the issue, but doing a phone transfer I was disconnected. I did not try again. 

For XXXX, everything appears to have been completed accurately for both sons with complete names. 

For Equifax, the security freeze was correctly created for one son, but the response letter for my other son states that " we were unable to locate a credit file for you for one of the following reasons : - You have not applied for credit recently- You have not actively used credit in the past ten years, or - You have not lived in the United States or have not been issued a U.S. Social Security Number ''. 

And, the Equifax response letter addressed to me did not capitalize my first or last name. 

It is very disturbing that these three credit bureaus are in charge of managing all of our personal data, yet they can not manage to accurately create a credit freeze on a minor account. The lack of attention to detail is terrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX in the amount of {$830.00} I have tried to resolve this issue several times with no good results they aren't willing to help do anything this is stopping me from getting a home for my family. which is very important to me and stopping me from getting reliable car. according to 15 U.S.C 1681 there shouldn't be any damages on my report its defamation to my character
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Transunion since  XXXX  where I check my credit. There ar e 4  student loan accounts that I co-signed for my son between  XXXX  -  XXXX  that was closed and written off as bad debt between  XXXX  -  XXXX . At that time I had lost my job and my son could not complete his studies. These accounts are suppose to be removed from my credit report in  XXXX   XXXX . About 3 months ago these accounts were duplicated and appear as open. So each account is on my credit report 2 times. I spoke with Transunion and they said an investigation will be done. One month ago I received a report from Transunion and no changes were made.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting

Documentation was sent to Experian listing a request for the deletion of multiple inquiries that were listed on my report in error. I also spoke to someone in their special handling before it was not helpful even though she had my police report that I previously sent. Proof of any signature on an application from me requesting credit. The following are the inquiries that I expect to be removed : 1.XXXX XX/XX/XXXX, 2. XXXX XX/XX/XXXX, 3. XXXX XX/XX/XXXX, 4. XXXX XX/XX/XXXX, 5. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, 5. XXXX XX/XX/XXXX and XX/XX/XXXX, 6. XXXX XX/XX/XXXX, 7. XXXX XXXX XX/XX/XXXX, XXXX. XXXX XX/XX/XXXX, 8. XXXX XX/XX/XXXX and XX/XX/XXXX, 9. XXXX XX/XX/XXXX, 10. XXXX XX/XX/XXXX, 11. XXXX XX/XX/XXXX and XX/XX/XXXX, 12. XXXX XX/XX/XXXX and XX/XX/XXXX, 13. XXXX XX/XX/XXXX, 14. XXXX XX/XX/XXXX, and 15. XXXX XX/XX/XXXX. I also have XXXX accounts that I asked for verification on and was refused. I understand that it 's my right to have everything report so I expect for that to happen. The accounts are follows : 1. XXXX, XXXX, XXXX, and connected account number XXXX is showing me having a late payment which is in accurate. I 've never been late on my account so please have that fixed. All I want is for Experian to follow the laws which are set up to protect us as consumers.
Product: Credit card or prepaid card

So Paypal Reversed a bunch of fraudulent transactions and refunded a few right ot my credit card. However they left XXXX USD in my account but have this message to keep me from withdrawing it. I cant afford having this amount of money tied up. What can you do to help me get my cash back sooner then 180You can't use PayPal anymoreAt PayPal, we value a safe community for our customers to do business. We noticed activity in your account that’s inconsistent with our User Agreement and we no longer offer you PayPal services.Any bank or credit card information linked to your PayPal account cannot be removed nor can it be used to create a new account. You can still log in and see your account information but you can’t send or receive money. Any money in your balance will be held for 180 days, after which we’ll send you an email with instructions about transferring your money.Reference ID: XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

One of my credit account had been removed from all 3 credit bureas.Earlier it was not deleted from XXXX  so I called capital one and put a request to add back to XXXX  but not it's not reflecting in all 3 bureas Partial Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a CFPB complaint against TransUnion XX/XX/23 demanding proper investigation pursuant FDCPA FCRA METRO 2 compliance into falsities, inaccuracies, and improper reporting onto my consumer report. TransUnion is lawfully responsible for reporting only validated, verified and accurate information to my consumer report. I attached the proper identification paperwork verifying that this complaint and investigation request was indeed authorized by me XXXX XXXX. I also mailed into TransUnion the proper identification paperwork again authorizing and giving my full consent for proper investigation. 

On XX/XX/23 I received the correspondence TransUnion attached ; stating that the investigation request wont be processed since there wasnt proper authorization by me to conduct the investigation.. how so?? This is another attempt by TransUnion to deny me my lawful rights to demand a proper investigation pursuant FDCPA, FCRA, METRO 2 compliance into the inaccurate fraudulent items that are being reported to my consumer report without proper validation causing me great irreparable financial harm. This is a conspiracy attempt against me by this company to illegally and unlawfully deny me my rights to fair and accurate Consumer reporting! This investigation was authorized by me as you can see!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX US SM BUS ADMIN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I received a garnishment summons for a credit card debt to the tune of $ XXXX. I had no knowledge of this card issued by XXXX XXXX and being collected by Midland Funding. I never applied for this card. The card was issued in my name to an old address. I was given the information by the collector to to sign into the website to view the statements. There were 2 charges made on the card. One was about {$24.00} in fuel, and the other was about {$4.00} at a XXXX XXXX grocery store. I looked up this XXXX XXXX, and I have never been to that store. In fact, I have never been to ANY XXXX XXXX  store. The fuel was purchased at a gas station that I do not frequent. The total amount charged to this card was less than {$35.00}. There were never any payments made, and the account was closed after 6 months, according to the statement documents I saw online. Now, they are attempting to collect more than {$900.00} from me for something I did not do. I NEVER OPENED THIS ACCOUNT. SOMEONE did, but it was NOT me. The collector would not listen to me. He just kept attempting to get me to pay the amount. THIS IS NOT MY DEBT. I will go to court in XXXX to speak with the judge on this garnishment case because I had no knowledge of this account being opened. I want this off of my credit report. I want this to stop. Just because it was issued in my name, doesn't mean I applied for the card. They refuse to acknowledge the truth that someone OTHER THAN ME opened this account. I currently have a card with XXXX XXXX, which is in good standing.