23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Someone has fully stolen my identity.Someone from XXXXXXXX XXXX has stolen my identity. They are using my name for an apartment & another residence in XXXX where I have never lived or reside. They have also opened a line of credit with Capital One Credit in XXXX XXXX, XXXX. The capital one credit card was supposed to arrive to my permanent address at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX via USPS on XX/XX/year>. USPS never delivered that fraud credit card. USPS showed up to my house yesterday to obtain someone else 's mail they delivered the day before to the wrong address. USPS is tampering & stealing my mail on a daily basis. They was just on the XXXX XXXX XXXX XXXX XXXX  for the same issues I am reporting. A mail carrier in XXXX XXXXXXXX XXXX XXXX just confirmed he was stealing people 's mail in a neighboring town. When I say this has been going on for years. My credit score was a XXXX this morning. This credit card fraud brought my credit score down to a XXXX. I have also filed a report with the FBI Cyber crimes dept. I filed a dispute with XXXX. Capital One Credit also created a Fraud Application. The representative I spoke with confirmed they used the XXXX XXXX address to order the credit card fraudulently. I have done everything I can as well as freeze my credit report. Scammers are still stealing my identity. It's a neighbor who is watching my mailbox very closely. They live right here, but using an address in XXXXXXXX XXXX. Thank you for your attention with this matter!
Product: Vehicle loan or lease

I have contacted Volvo Financial four times regarding my total loss on my XXXX XXXX. I called Volvo on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I called again on XX/XX/XXXX, and again on XX/XX/XXXX to try and get a final account/ explanation of the total loss accounting. To date, no one has been able to provide this. I get transferred between departments and then request to speak to a supervisor that is supposed to call back but doesn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have attached in may letters have violated privacy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information other than adverse items and criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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

XXXX  XXXX : Account # XXXX, XXXX XXXX  : Account # XXXX, XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  : Account # 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 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 or other personal consumer reports

To : Credit Reporting Agency Subject : Request for Deletion of Unverified Account Due to XXXX Deletion Dear Credit Reporting Agencies, I am writing to formally request the immediate removal of a XXXX XXXXXXXX charge-off account with a {$640.00} balance from my credit report. After disputing this account with XXXX, their investigation was completed on XX/XX/year>, and the account was deleted from my XXXX credit report. This deletion confirms that the account is unverifiable, and your agency is now legally obligated to take the same action under the Fair Credit Reporting Act ( FCRA ). 

Under FCRA 611 ( a ) ( 1 ) ( A ), credit reporting agencies must ensure that the information included in a consumers credit report is accurate, complete, and verifiable. Since XXXX has deleted this account in its entirety, you are required to do the same. Reporting unverifiable accounts is a direct violation of FCRA standards. 

Additionally, FCRA 609 and 611 mandate that unverifiable information be removed within 30 days of a dispute. I respectfully request that you complete your investigation and delete this account from my credit file within this legally mandated timeframe. 

Failure to comply with this request may result in legal action. FCRA 616 and 617 provide consumers the right to seek damages and take legal action against credit reporting agencies that fail to meet their obligations. Your failure to act promptly and accurately may expose your agency to liability. 

I have attached a copy of my XXXX credit report confirming the deletion of this account for your review. Please provide written confirmation once the account has been removed from my credit file. If you believe the account is valid, you must provide sufficient documentation verifying its accuracy. 

If this account is not removed within 30 days, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider pursuing additional legal remedies to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXn accordance with the Fair Credit Reporting act XXXX  Account # 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: Mortgage

The mortgage for our home was serviced by Loancare , LLC for the past year or two. Earlier this year we refinanced and our mortgage was moved to a new company. We have not received a refund check for our escrow balance from Loancare and have been unable to contact them despite repeated attempts over more than a month. 

Here 's a brief timeline : XXXX our last mortgage payment to Loancare XXXX the mortgage with Loan care is closed ( paid in full XX/XX/XXXX ) XXXX Loancare website notes 'EscrowRefundToBorrower ' ( no check or payment has been received by us ) XXXX - Throughout XXXX I attempt to contact Loancare via the phone # s listed on their website and through the ticket system on the website unsuccessfully XX/XX/XXXX - Automated response from website ticket system directing me to new phone number ( same as previous leads to phone tree that eventually disconnects the call ) XX/XX/XXXX - XX/XX/XXXX - I have made repeated efforts to contact Loancare via the email, website, and phone numbers. I have been unable to speak or correspond with a single person
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Experian, On my XX/XX/2022 credit report it shows inaccurate names and variations of my name- please have this corrected as soon as possible. 

attached to this complaint are : - my drivers license - my social security card - my address- my complaint- a screen shot on credit report of names showing Please have my name corrected as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kindly delete XXXX  XXXX XXXX from my credit report immediately due to your violation of section 611 ( c ) of the Fair Credit Reporting Act which clearly states Section 611 ( c ) of the FCRA provides : " Whenever a statement of dispute is filed,... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof '' Kindly see file attached which is a copy of a credit report which I received which is dated XX/XX/2022 which has the above mentioned violation. 
I previously got a credit report dated XXXXXXXX XXXX,2022 which had the same violation and I have already filed a complaint about that already. 
No where on the credit report is it mentioned that I have disputed the accuracy of the XXXX  XXXX XXXX account that is reporting on my credit report and this is a clear violation of the Fair Credit Reporting Act. 
Failure to delete XXXX  XXXX XXXX from my credit report will result in me taking legal action to recover damages under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX does not have my loan it was given to another company by XXXX XXXX it 's with XXXX XXXX XXXX. XXXX is still reporting against for XXXX they absolutely refuse to stop reporting to XXXX against me even though I have a settlement with XXXX XXXX XXXX for XXXX. All I want is the right company reporting against me and for the right amount!!!!!!!!!. What I want is very simple and very easy to do. XXXX even mentions in a document that my account was given away to the other XXXX have disputed this multiple times and gotten no where with anyone even though I have the proof of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file.

These items/accounts are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

A few weeks ago I checked my credit score and noticed an open account that I did n't recognize under the name " Armor Sys '' or something similar. A little googling resulted in me finding Armor Systems Collections so I figured I would give them a call. They found the account for {$170.00}, which is what my credit report showed as well. I asked for verification and also the company which reported it and they provided both. I called the original company that reported the debt and they have no record of me being a patient there ( it 's an XXXX I believe ). They were very suspicious of the charge and suggested I look into it as it sounded fraudulent. I do n't know what to do as calling Armor Systems Collections only results in them telling me I need to pay the debt plus interest and them putting me on hold for a long time.
Product: Credit reporting, credit repair services, or other personal consumer reports

One Main ran a inquiry on my credit report XX/XX/2022. However I did not approve this nor was a application completed.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>. I looked at my credit and noticed some inaccuracies. I sent a letter to XXXX on XX/XX/year> asking them to investigate these accounts XXXX XXXX XXXX . I sent it certified mailed here is my tracking number on XXXX XXXX XXXX XXXX XXXX XXXX, they sent me their investigation and said those are verified accurate. And according to 15 USC 1681 ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, and item of the information is found to be inaccurate or incomplete or can not be verified. The credit Bureau did reinvestigate and violated my right.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX that was with XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name XXXX XXXX XXXX  Account Number : XXXX Account name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent out a 609 letter informing XXXX, transunion and XXXX credit reporting agency that the list of credit inquiries that I have written down were not requested by me. I asked them to investigate the issues and supply me with a written response and documentation on how they validated these inquiries within the next two o days. I have not received any information on this matter from any of the listed parties. Upon calling XXXX I was informed by one the the US supervisor that they do not validate inquires and that it is not their job. I then responded to her by saying " this is not the truth, it is on the credit reporting agencies to ensure that all information that is placed on a persons credit report must be accurate and that if a consumer has informed them of fraudulent information it is their job to pay investigate. ". Again she said no and that I need to either file a police report and or a complaint with the CFPB. So here I am filing a complaint because it seems that XXXX knew that people 's information was compromised and did n't do anything after the fact.
Product: Consumer Loan

PNC Bank said on XXXX, XXXX that I was eligible for an extension since I was never late making payments on the loan. I would not be able to work for 2 months beginning XXXX, XXXX due to major XXXX procedure. Without my knowledge I had received a letter dated XXXX XXXX that I was not approved because of a resolution not put in by the agent. I was told by XXXX in XXXX 2016 that I can email directly to expedite my re-request which they 're now denying ever happened for which I can prove. They 're charging me {$1000.00}, saying I 'm behind when I only skipped XXXX payment in hospital unaware of " non-approval ''. They reported me to the Credit Bureau and my score is now ruined. I spoke with XXXX manager XXXX. He said he tried but top people will not honor the agreement and are rushing me to sign another extension agreement in less than a week to rectify some charges but say that they are not willing to help me to get my negative credit report dissolved. He admits that it 's poor communication on their part with me, the consumer having to make all the effort while at the same time trying to recover from major XXXX and medicine.
Product: Debt collection

I had a old debt that I was unaware about. Not on my credit report or any communication by mail. Not until my employer told me in XXXX I had a wage garnishment. I had to pay {$100.00} a week begining roughly XX/XX/2020 to XX/XX/2020, when it was fully paid and settled. Than in XXXX, I get notice my state taxes are being held for a wage garnishment from this same debt with XXXX XXXX XXXX law. I immediately contacted the state, they needed proof it was paid. I sent them everything but since I didn't have the official court copy showing the judgement was paid in full they couldn't release it. I contacted the law office by phone & email as well requesting this. The XXXX district court even tried contacting them as well. Weeks turned into months & the state income withholding unit sent my money to the law office. I paid this debt twice. I've been extremely patient with them. I struggled to provide for my family for almost 3 months paying this back through a wage garnishment. I waited for my state income tax return that was held for months. Than they send my tax return to pay again for this debt. Another 3 months of trying to contact the lawyer with no calls or emails back. This law office got my money twice for 1 debt. I deserve to have my money back.
Product: Credit reporting or other personal consumer reports

this is not in error i have requested this account be deleted now under my federal protection laws that is the only solution no information is needed from me STOP VIOLATEING MY RIGHTS OR I MUST SEEK JUDGEMENT? MONATARY RELIFE per FTC report i have been victim of identity theft and request this account be deleted from my credit report per 15 usc 1681c-2 block of infromation resulting from identity theft, futher note 15 usc 6802 obligations with respect to disclosures of personal information i request this acct be deleted from my consumer file and credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX. ( {$7400.00} ), 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

XXXX, AC # XXXX, XXXX, Amount {$2900.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the creditors have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plant as late for any purpose.
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report this fraudulent account on my credit report. I want to emphasize that I have already contacted the company associated with this account, submitted the necessary documents, and had the account promptly deleted from their records. Moreover, other credit bureaus have already removed this account from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting this fraudulent account. These are the accounts I want to be removed from my report : 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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX, Exquifax, and XXXX credit reporting agencys ' has violated my rights of privacy through a recent data breach ; allowing exposure of my information to computer hackers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending a complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file.When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$140.00} ;