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

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX. 

I trust that the Consumer Financial Protection Bureau will take swift action to rectify this issue and restore the accuracy of my credit I previously submitted documentation prior directly to the bureaus most recently XX/XX/XXXX and no action was taken. 
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant ta FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of The following accounts that appear on my credit report : I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 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. 

Account name : XXXX XXXX has violated my rights. 
Account name : XXXX XXXX has violated my rights Account name : XXXX XXXX has violated my rights Account name : XXXX XXXX has violated my rights. 
Account name : XXXXXXXX XXXX  XXXX has violated my rights. 

The above listed accounts 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 the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT! I have disputed the inaccurate payment history being furnished by XXXX XXXX. there is over two years of inaccurate payment history with 12 months of consecutive furnishings of the account being closed. Then after that 10 months of consecutive furnishings of the account being 120 days later. Finally, the company furnished 1 final month of the account being negative. I have reached out to XXXX XXXX customer service and was told, " There is nothing we can do ''. The payment history being furnished on this account is a violation of my rights to a FAIR AND ACCURATE credit report. This compliant has been submitted and close twice without this company looking into the problem. 

My wife is supporting me in handling this information and is able to speak on my behalf her name is XXXX XXXX XXXX
Product: Credit reporting

I have attempted several times to correct XXXX XXXX XXXX reporting on my own. They are in violation of the FCRA XXXX. They are not reporting information 100 % accurated dated and verifiable information. 
See the letters I have sent to the bureaus and the most current and original report. They have to permanently and legally remove information that is not reporting 100 % accurated dated and verifiable.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my name and address, These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : XXXX a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
XXXX my credit profile to reflect the correct information as listed above. 
XXXX me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Its an account on my Experian that doesnt belong to me. I would like it remove immediately. I am trying to buy a car. This is affecting my way me buying a car.
Product: Student loan

Two years ago I refinanced my Student Loans with Earnest. Refinancing helped consolidate my loans and it gave me flexibility in repaying them. Initially everything was great and I was satisfied. More recently, Earnest has made changes to their website, repayment terms, and general way of doing business it seems. I imagine this has to do with Earnest being bought by XXXX. I understand XXXX has been sued or is under investigation by the CFPB. It seems they have not learned from their past. 

Anyway, with their new interface I have had difficulty making a payment. The difficulty lies in making a payment either on the date or in the amount I have set up with their auto-pay feature. I have attached a document to help describe this. My comments in the document is italicized and in red. I will also attach my email correspondence.
Product: Credit reporting or other personal consumer reports

XXXX - XXXX XXXX-Inquiry XXXXInquiry I have never had a single late payment on one of this account. All the information is incorrect. I want it to be reviewed and removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

The cfpb did not help me as the consumer with the previous case only closed my case. I will be filling a complaint for cfpb not helping which is your job. 
This is a contuning problem. Lexis nexis continues to report my personal information that they fraudulently acquired for finical gain. Which is idendty theft. Thsi company infringed upon my privacy by collecting my personal information from XXXX to sell it to other reporting agencies. USC 1681 ( a ) ( 4 ). This company is obtaning information under false pretenses. The information they are digging up and reselling is not what they are supposed to use XXXX  for. Pursuant to 15 USC 1681q Lexis Nexis is giving my personal information away non authorized disclosure to multiple other companies which is a violation. 15 USC 1681r. 620FCRA I am holding this company civil liable for willful noncompliance 15 USC 1681n. 616-FCRA in the event of a knowing violation, which constitutes a pattern or practice of violation of this title, the federal trade commission may commence a civil action to recover a civil penalty in a district court of the United States aganist any person that violates this title. In such action, such person shall be liable for a civil penality of not more than {$2500.00} per violation.
Product: Debt collection

Paragon Revenue Group has continually harassed me through repeated phone calls. The associate XXXX has threatened me and has spoken harshly to me when I requested time to investigate the charges I allegedly owe to a medical bill.
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau, I am writing to express my frustration with Apple 's credit card and the lack of document investment coupons that are promised as part of the card 's benefits. I have made multiple inquiries to the company about this issue, but have yet to receive a satisfactory response. 
According to 15 U.S. Code 1681b, consumer reports can only be obtained for certain permissible purposes, one of which is " investigating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. '' Providing document investment coupons as promised is clearly related to a consumer 's creditworthiness and financial standing, yet Apple has failed to fulfill this obligation. Furthermore, the conception of this account was opened without consent. I applied for a credit card with Apple Inc and was initially denied due to my credit history. However, weeks later I discovered that a credit card had been opened. They stated that we made a mistake in denying the application.

I also want to bring to your attention that I have previously mailed a letter to the company regarding this issue, but have yet to receive a response. I understand that this is a serious matter, and I expect a prompt and satisfactory resolution to this issue. If Apple Inc., does not take the necessary steps to address this issue, I reserve the right to take further legal action. I am concerned that Apple Inc is not taking my concerns seriously and believe that the Consumer Financial Protection Bureau should intervene. I appreciate your attention to this matter and hope that you can help resolve this issue.
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX est I called debt collector Plus Four, Inc ( XXXX ) XXXX to request a validation of debt, my credit report was showing that I owed {$320.00}. I provided the rep my dob and last 4 of social security number, the rep stated that there are several accounts on file and that a validation letter could not be fulfilled via phone request, I would have to request the validation by sending a letter via mail. I was then provided the business address to send the letter. I went to the USPS later that day and sent the letter certified ( see attachment ). Upon checking the tracking information on USPS.com on XX/XX/XXXX, the system stated the letter was refused and is currently being returned back to sender. 
I have disputed and requested removal of this account several times on XXXX/XXXXXXXX and asked for a validation of debt from the debt collector to no avail. This account continues to be reported without any proof of validation and is damaging my credit.
Product: Payday loan, title loan, personal loan, or advance loan

They wont work with me. They said I took out XXXX and now I owe over XXXX. They now are facing my job and trying to do a wage assignment garnishment and I cant have this. I tried to tell them I declined this and they are still contacting my work. I would like to just pay it off. I also dont even know if I really owe them a I have asked for the paper work and the electronic IP shows XXXX and I live in XXXX XXXXXXXX XXXX So Im not even sure if its what I owe. Help!!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation inder the Fair Credit Report 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 systemic 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 ammend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I opened a Truist checking account XX/XX/year>. I set up direct deposit and had XXXX debit transactions by XX/XX/year>. On XX/XX/year> I was informed via email that Truist Bank had denied me the promised {$400.00} account sign-up bonus, claiming I did not make the required number of debit transactions. I visited a local branch with a printout of my account activity, which showed more than the required number of transactions. A bank employee called the award department of Truist and went through my bank activity with them. They promised to review my account and make a determination in 2 weeks. They never contacted me so I stopped back in to my local branch on XX/XX/year>. The same bank employee contacted the award department, who repeated that my award was denied, with no additional information.
Product: Money transfer, virtual currency, or money service

XXXX unauthorized Zelle transactions of value {$100.00} & {$200.00} happened on XXXX XX/XX/2022 early morning. I don't recognize this transaction, neither do I know the recepeint on the recieving account nor have I initiated this transaction. 
I was sleeping when this transaction occurred with the phone in my possession.
Product: Credit reporting or other personal consumer reports

CFPB Writeup : In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to delete XXXX XXXX XXXX XXXX. I have submitted my ID theft affidavit by certified mail back on XXXX XXXX and placed a fraud alert on my account. XXXX and XXXX have deleted the fraudulent collections. I am requesting that equifax deleted the fraudulent collections has I have not done business with these companies not have I applied for any accounts with these companies! Section 605B states that the Credit bureaus must delete and block the fraudulent accounts from reporting after receiving the proper documents. If not deleted within 4 days of receiving this complaint my attorney will be forced to file a lawsuit which would be in my favor as XXXX XXXX Equifax information services, LLC ( XXXX. ) XXXX. Equifax has violated the federal law and I am well aware of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX Balance : {$180.00}, XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022, XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus and placed a fraud alert and filed a FTC report on XX/XX/year>. Someone is still applying for credit without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

A pretend-trustee named XXXX XXXX XXXX registered in many states, based in XXXX XXXX California, is foreclosing illegally on my home. They have never produced any evidence that they have authority to foreclose, and have not even filed an appearance in my current Alaska Bankruptcy Case # XXXX, and have not even filed a Proof of Claim.

This purported trustee is not representing any named trust and is not an actual trustee of any IRS registered trust that holds my mortgage, and has not produced any evidence to this effect.

No assignment of the mortgage on my home to XXXX XXXX XXXX was ever recorded or claimed, or even pleaded by XXXX XXXX XXXX to this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2023. Its been well over 30 days, I still have yet to receive anything back. 

I do not have any accounts or credits with these companies and are all closed as well. 

Here are the accounts that are in violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute This is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to inform the CFPB, XXXX and XXXX that I am a victim of identity theft. I XXXX XXXX is a consumer pursuant to 12 CFR 1022.3 ( f ). Pursuant to 12 CFR 1022.3 ( g ) the term identifying information means ANY name or number that may be used, alone or in conjunction with any other information, to identify a specific person. Pursuant to 12 CFR 1022.3 ( h ) the term identity theft means a fraud committed or attempted using the identifying information of another person without authority. XXXX and XXXX is a credit reporting agency pursuant to 15 USC 1681a ( f ) and they have used my personal identifying information without consent or authority to do so.
Product: Checking or savings account

I have 4 accounts ( three checking and one money market ) with BBVA ( now PNC ) and I have no access to these since Monday XX/XX/21. I physically went to the branch on XX/XX/21 and the teller was unable to give me the routing and account numbers due to limitations with the system. She was great but her hands were tied. I am able to login but my accounts are not visible, nor am I am able to complete any financial transactions. 
I have in writing that I would be supplied with these account numbers prior to the merger but nothing was received. 
I hope PNC is heavily fined for this gross negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the fight 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Student loan

I CURRENTLY HAVE STUDENT LOANS AND I AM TRYING TO ENROLL IN THE IDR PLAN. BUT MY APPLICATIONS KEEPS GETTING REJECTED. I APPLIED 4 TIMES. FIRST TIME I APPLIED ONLINE AT FASA.GOV. AND I DID NOT SUBMIT MY PROOF OF INCOME SO IT WAS REJECTED. THE SECOND TIME I APPLIED OVER THE PHONE WITH NELNET REP. SHE SUBMITTED MY APPLICATION AND INFORM ME THAT I DID NOT NEED TO SUBMIT MY PROOF OF INCOME. ( I THOUGHT THAT WAS ODD ) SO I RECIEVE AN EMAIL THAT MY APPLICATION WAS ON HOLD. I CALLED NELNET AND THEY DID NOT KNOW WHY MY APPLICATIONS WAS ON HOLD. LATER DURING THAT CALL, THEY TOLD ME IT WAS REJECTED AGAIN. SO, THIS TIME I SUBMITTED MY IDR APPLICATIONS ONLINE AT NELNET.COM WITH MY PROOF OF INCOME. NOW I GOT ANOTHER EMAIL STATING THAT MY APPLICATION HAS BEEN REJECTED BECAUSE I AM MISSING PAGES. SO, I CALLED NETNET AND THE REP TOLD ME THEY DO NOT KNOW WHAT PAGES I AM. THE REP ADVICE ME TO SUBMITTED ANOTHER IDR APPLICATION AGAIN. THIS IS THE FOURTH TIME. I REALLY NEED HELP! I AM ON A STRICT INCOME AND JUST WANT THE LOWEST MONTHLY PAYMENT AS POSSIBLE. THE NELNET REP HAVE BEEN GIVING ME THE RUN AROUNDS AND I REALLY DON'T WANT MY APPLICATION TO BE REJECTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$880.00} XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2800.00} ; XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT NAME : XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$1200.00} Balance updated XXXX XXXX, XXXX Credit limit {$1000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Revolving ON THE 3 CREDIT BUREAS THE DATE OPENED /DATE CLOSED /LAST PAYMENTS DATE /AMOUNT OWED ( BALANCE ) AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUND FOR REMOVAL THIS ACCOUNT IS FRAUD N ACCORDING TO THE 'FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD SHALL BE REMOVED FROM THAT CONSUMERS CREDIT REPORTS WITH IN 4 BUSINESS DAYS OF THE RECEIPT OF FRAUD!!!!
Product: Debt collection

I received a call from Global collections XXXX at XXXX at the end of XXXX in regards to trying to reach an XXXX XXXX. I advised the agency that this person was not allowed to have calls at work and I would not be able to take a message. She then became rude with me. I terminated the call. She immediately called back the same number. She then researched my personal info and repeatedly called my personal cell phone and my spouse 's personal cell phone. I called the company back was at first denied the ability to talk to a manager. I then called back and advised that would be filing a complaint and to stop all communications with my numbers including my cell phone and work number. I also advised again that XXXX was not able to have calls at work so they needed to remove the work numbers. On XXXX/XXXX/2016 I received another call from this company at the XXXX. If this is not addressed will be filing suit for harassment.