23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$17000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$4500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6500.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$17000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$4500.00} XXXX XXXX XXXX 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

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

All accounts/collections on my credit report have 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 card or prepaid card

i made complaints over the phone in the past about Netspend. This company has stolen hundreds of dollars and it is time that they pay the month of XXXX and XX/XX/2020 they stole {$60.00} then {$160.00} and yesterday XX/XX/XXXX I realize {$50.00} was stolen and now Netspend has made it impossible for me to login my account and every time I call the automated voice mail states that they're not taking any calls then say good bye and then hang up.
Product: Credit reporting

name on my report is wrong, i have accounts on my report that are not mine : XXXX Name identification number : address : XXXX XXXX XXXX XXXX, FL XXXX Address identification number : XXXX Type of Residence : XXXX Geographical Code : XXXX
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX credit services Account # XXXX, XXXX XXXX XXXX  # XXXX and also any other XXXX XXXX  XXXX accounts 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

In accordance with the fair credit reporting act, this creditor has violated my rights. Account ending in XXXX and XXXX, Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Furthermore, the creditor has responded yet hasn't provided me with full disclosure as to the Truth in Lending Act. In addition to this I've found billing errors and discrepancies on each of my credit reports as well as the bills sent to the address on file. The creditor states they're report accurate information but have yet to fix their own internal billing errors. For this they are delibaterally reporting my information inaccurately and I would like for the creditor correct any inaccuracies as it relates to XXXX and XXXX. This creditor has caused me great loss and limited my ability to obtain employment due late fees reported on the credit report because of this I'm withholding payment until the late payments are removed from my report dating back to the beginning of XXXX  and the billing errors are corrected.
Product: Checking or savings account

I have a Capital One 360 Savings Account, where Capital One falsely advertised its 360 Savings account as a " high-interest '' product with top-tier rates, which did not match the account 's actual performance. I am looking to get reimbursed for this issue.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent XXXX XXXX XXXX  a Cease & Desist order. They are reporting fraudulent information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2022 to XXXX, XXXX, equifax. Here is my tracking number for XXXX ( XXXX ) & transunion ( XXXX ) Equifax ( XXXX ). To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. THIS IS MY OFFICIAL STATEMENT ABOUT THE CRIME. I HAVE SENT IN A POLICE REPORT AND AN IKD THEFT IN NUMEROUS OF TIMES AND EXPERIAN IS STILL REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE IN CLEAR VIOLATION OF FCRA LAWS. I HAVE REQUESTED ON NUMEROUS OCCASIONS A PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACE ON HOLD FOR INORDINATE AMOUNTS OF TIME. UNDER THE FAIR CREDIT REPORTING ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT WITH A WET INK SIGNATURE ON I. ( COPIES OF COPIES ARE NOT VALIDATION AND BY LAW ARE NOW CONSIDERED PROOF ) THAT YOU HAVE ON FILE FOR MY ACCOUNTS MUST BE REMOVED. THE BANKRUPTCY I INSIST ON REPORTING THIS FRAUDULENT ACCOUNT ON FILE. I ALSO SENT IN SOME INFORMATION REPORTED FROM XXXX XXXX.
Product: Vehicle loan or lease

Wells Fargo r ep provided me with a contract that listed someone else information o n it. SSN. I  do not have or had a vehicle with them in my possession. I asked that these tradelines be removed from all  XXXX  bureaus. The contract provided is not valid being that it has another persons ssn on the contract. Also they provided a drivers license copy that has the persons picture removed. All this was sent  by Wells Fargo  Representative  XXXX   XXXX . I have attached the correspondence that was sent.
Product: Credit reporting or other personal consumer reports

Hard InquiryXXXX XXXX I am writing this letter for the FOURTH TIME to dispute a fraudulent hard inquiry that has appeared on my credit report. I have been a victim of identity theft for the past 6 months, hence the PREVIOUS active fraud alert on my profile. I recently unfroze my credit to move forward with an apartment check and in the time that its been unfroze someone has accessed my information. Attached is the XXXX XXXXetter confirmation of fraud. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), which protects consumers from the consequences of identity theft, I am requesting the removal of the following fraudulent inquiries from my credit report. XXXX hard inquiry on XX/XX/year> I did not submit nor authorize any inquiries from XXXX. I have XXXX open accounts or connections to this institution- plus I have already disputed this issue and it was initially removed, so why is the inquiry back again?
Product: Credit card

I applied for the bloomingdale card and I never got a card from them they kept all card so I can't access my account they also never closed the account because it's not on my credit report today I can't use my account this company is very prejudice towards me because I moved and my contact information has changed
Product: Credit reporting or other personal consumer reports

**Subject : Formal Dispute Under Fair Credit Reporting Act ( FCRA ) Fraudulent Account** To Whom It May Concern : I am writing to formally dispute the following information on my credit report under Section 623 ( b ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). The accounts listed below are fraudulent, and I did not authorize their creation or access to my personal information. 

**Disputed Accounts : ** - [ XXXX XXXX XXXX XXXX XXXX - **Reason for Dispute : ** Identity theft/fraud. I did not open this account or permit anyone to use my information. 

**Actions Requested : ** 1. Conduct a full investigation into this account.

2. Remove all fraudulent information from your records and notify all credit bureaus to delete it.

3. Provide me with written confirmation of the resolution.

4. Share copies of all documentation related to the accounts creation, including applications and transaction records. 

**Enclosures : ** - Copy of my government-issued ID. 
- Copy of [ Identity Theft Report/Police Report/FTC Affidavit ] ( if available ). 
- [ Additional evidence, e.g., fraud alerts, correspondence ]. 

As a victim of identity theft, I expect your prompt compliance with FCRA requirements. Failure to resolve this within 30 days may result in legal action.
Product: Credit reporting or other personal consumer reports

I am filing a CFPB complaint for identity theft regarding unauthorized accounts and inquiries on my credit report. Under 15 U.S.C. 1681c-2, I have the right to block fraudulent information, and under 15 U.S.C. 1681s-2 ( b ), furnishers must investigate and correct errors. These violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) require the immediate removal of fraudulent accounts and inquiries. I demand an investigation and enforcement of my rights.
Product: Debt collection

I received a collection on my credit report from a company I have no knowledge of or interactions with. I have been incarcerated since XXXX until XXXX of XXXX. There was no way for me to even talk to anyone outside prison to setup anything while I was in jail
Product: Bank account or service

I received this voice mail ... This message is intended for my name. I received the fax order regarding a complaint that was filed against you. I have been retained to serve you with documents to appear at either your residence or your place of employment. If you have any questions or concerns about the complaint or wish to rectify the matter you can hit any key on your phone to connect to our office directly or call us at the following number XXXX. When calling please reference file number XXXX****. You have officially been notified. 
This is my former married name. I called the number back and the person stated they were representing Fifth Third Bank and the charges were Breach of Financial Contract and some type of Fraud. I advised I had an Attorney as this was under a bankruptcy and the call ended abruptly without any information being shared regarding this. I called back and asked to confirm the information that was told to me and a gentleman answered and responded with " since you know everything I really should n't have to tell you anything. '' I shocking said " what kind of business is this? '' He replied " again ma 'm, since you apparently know everything do n't you need to tell me what kind of business this is ... i do n't need to tell you anything '' and hung up on me. Absolutely shocked I immediately called back and talked to the original person I talked to the first time and confirmed the " charges '' that were to be put on me for this debt and again informed this person this was under an active bankruptcy and i have an attorney and reminded him of the law. I also asked him what the name of his business was and all he would tell me is the Law Offices of XXXX located in Tennessee. That 's all he would tell me. My initial findings is that business does not exist and i do not think this credit collections company is legitimate as after talking to my Attorney he informed me the company handling this particular debt is in New Hampshire and it 's not this company. This, along with many other scam artists like this, are using scare tactics to prey on people to take their money illegally. This needs to be stopped ... XXXX by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. With the following inquiriesXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/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

I noticed some unauthorized inquiries on my credit report and i immediately contacted the credit bureaus with the proper information to get the inquiries with no consent removed ASAP. I followed all of their rules but they are still reporting on my credit profile. How is that possible? 15 united States Code 1681c-2 is suppose to protect us against this type of stuff. Please help.
Product: Credit card

I bought a food processor with my XXXX American Express card in XX/XX/2015. I immediately paid the amount off and have made no further purchases. However they have put this item on a credit plan instalment and are charging interest each month. I rang and said this was ridiculous and I want to cancel my card which I was told was done. Then I get a statement saying I owe money for the interest payments. I rang them and said I have cancelled this card and never agreed to this payment plan and the item was paid off 2 years ago but was told this time I owed money ( although the top of the page says I am in credit ). I said fine send an account for this outstanding amount. Instead they have sent another statement with again interest being owed on an item paid for 2 years ago on a credit plan I never agreed to. I am wondering how long I am going to be charged for nothing?
Product: Credit card

I paid off my Macy 's American Express credit card XXXX 2015. The card had XXXX lines and I sent XXXX separate bank cashier checks. XXXX 2015 I checked account to make sure payment had been applied. Both lines had been closed yet payments not applied. I spoke with customer service and faxed copy of both cashiers checks that had cleared bank in XXXX 2015. One payment was applied to the store line of credit but the Amex side has still not been applied 7 months later after numerous faxes and calls to company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this complain is to advise you that an improper investigation was conducted by XXXX. XXXX failed to provide me with a copy of any original documentation for example, a consumer contract a with my signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 
Furthermore, XXXX have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ), pertaining to a debt claimed wrongfully being reported by RMG Receivable Management Group.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX, XXXX, XXXX, and Experian several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. XXXX, XXXX, Experian have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.
Product: Credit reporting or other personal consumer reports

I recently review copy of my credit report and notice i had fraudulents account on my credit report.Please remove these accounts from my credit report. they are hurting my ability obtain credit. 

XXXX XXXX XXXXXXXX : XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

I was looking at my report and notice there were some things that was not correct. I sent a letter to Equifax on XX/XX/year> here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX. But it has been more than 35 days, XXXX still haven't responded to my letter. That a violation of XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( XXXX ), 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Payday loan, title loan, personal loan, or advance loan

This is a solar panel loan. I was set up on payments for {$180.00} a month. After making payments for six months, my principal balance has gone up. When I called the finance company that had the loan, I was informed that the payment plan I was set up on was not covering the entire interest for each months payment. This finance company has continued to take payments and increase my principal balance, even though I was not making the minimum payment that I thought I was making when the loan was set up. I was advised by the solar loan company to make two payments a month if I wanted to reduce the principal balance. This was not what I agreed to when I set this up with the solar panel company. The loan is reliant on receiving a large lump sum payment from the tax credit from the government in order to pay off the loan by XXXX. Reading information on XXXX XXXX XXXX and others, the complaint I have is experience by numerous others.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX noticed Two fraudulent accounts appearing on my credit reports. I have attached an FTC report and additional supported documentation. 
XXXX. XXXX {$420.00} XXXX. XXXX XXXX {$650.00}
Product: Credit reporting or other personal consumer reports

Checking my credit report a few months ago, I discovered errors regarding the Accounts of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and XXXX XXXX  ( XXXX ) are violating my rights. I disputed these errors directly with the three credit bureaus and the creditors themselves ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The companies in question are violating the sections of 15 USC : 15 USC Code 1666b This code establishes that a creditor may not treat a payment as late on an open-end consumer credit plan account unless the creditor has adopted reasonable procedures to ensure that each periodic statement that includes the information required by section 1637 ( b ) of this title is mailed or delivered to the obligor no later than 14 days after the close of each billing cycle.

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.