23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Was given a prepaid XXXX card for XXXX as a gift. The card is for {$100.00}. Tried to register the card today, XX/XX/2022 and the card already had a purchase of {$95.00} from target in XXXX  in XX/XX/2022. I live in XXXX  XXXX. Called PrePaid Gift Balance to file the issue. Stated I need to put it in writing through their website. There is no where to submit the issue to them and I can not register the card anymore as they have deactivated it. 

Something doesnt seem right about this as they ask me to send my ID, and I was like, no. Why would I when I do not know who you all are. 

This all seems weird.
Product: Credit reporting or other personal consumer reports

XXXX has sold this fraudulent collection account to XXXX XXXX According to XXXX, XXXX Adjustments has submitted fraud reports to all three credit bureau ( XXXX, Experian, XXXX ). Recent activities XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; etc for {$170.00}. Two previous cases were reported on XXXX. One of which XXXX used XXXX XXXX to process. XXXX and Credit Bureaus failed the correct my credit reports, this blocking reoccurring posting of fraudulent charges which has resulted in XXXX points for two months causing my credit score to drop to poor. I am requesting financial recovery from XXXX XXXX XXXX XXXX and all three credit bureaus.
Product: Debt collection

Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX on XX/XX/XXXX of 2018 to ask an estimate od the cost od their new models as I am planning to buy a new car next year. I told the sells person i wasn't going to buy, I just wanted the price. She said she needed my drivers license to show me the models and give me an estimate. They asked me to feel a form and said they wouldn't do any hard inquires, for my surprise I have found they have put 3 hard inquiries on my Transunion and 2 hard inquiries on My XX/XX/XXXX. I never agreed with that and I never bought a car from them.
Product: Debt collection

This Consumer Financial Protection Bureau ( CFPB ) complaint will be tendered as evidence that General Service Bureau Inc., of XXXX Nebraska has left me no choice but to begin a litigation process against them regarding a debt I do not owe and formally notified them of such. On XX/XX/2018, I sent a " formal ' letter of notification to General Service Bureau Inc., by " certified return receipt '' mail receipt # : XXXX XXXX XXXX XXXX XXXX. I have attached to this complaint a " copy '' of the notification letter and the U.S. Postal Service receipt showing the letter was delivered ( and signed for ) on XX/XX/2018 at XXXX XXXX. Still General Service Bureau Inc., refuses to acknowledge my rights under the FDCPA and cease contact with me after sending a " written '' demand to do so. I followed FDCPA protocol andI sent a  cease contact letter explaining to them federal violations if they continue engaging in federal violations regarding debt collection under the FDCPA. By continuing to contact me ( about a debt I do not owe ) shows a blatant disregard for federal law. Furthermore, my sole income is Social Security income which is federally protected income under the Social Security Act law. I am head of household and have no property of value. I am " judgment proof '' by law. In the XX/XX/2018 letter I made it clear that I will file formal complaints with the Nebraska Attorney Consumer Protection Division and the Nebraska Secretary of States Office that govern 's " debt collection '' license. If General Service Bureau Inc., continues to " harass '' me after I've made my position known in this matter, I will sue them. I am collecting evidentiary documentation in an effort to pursue this matter legally. I appreciate CFPB providing this venue as a form of viable documentation that I can share with the Nebraska Consumer Protection Division and the Nebraska Secretary of States Office. I will hold General Service Bureau Inc., accountable for their action regarding the harassment I'm suffering at their harassment techniques. I will demand a review and sanction of their debt collection license and request a investigation in their operational practices that harms the general public. Thank you for all the CFPB does for consumer 's in keeping us safe and vested in your mission. It is greatly appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint regarding my credit report. As a natural person, I am entitled to certain rights under 15 USC 1681, including the right to privacy and confidentiality. However, I believe that the consumer reporting agencies have violated my rights and the Fair Credit Reporting Act by including the following items on my credit report without my permission : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 TransUnion XXXX XXXX XX/XX/2021 TransUnion XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 TransUnion XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX According to 15 U.S.C 1681 section 602 A, I have the right to privacy, and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits a person from furnishing any inaccurate information relating to a consumer to any consumer reporting agency. I believe that the consumer reporting agencies have violated this law by including inaccurate information on my credit report.

I have also noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error, including the creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor, and a computation error or similar error of an accounting nature of the creditor on a statement. As the creditor did not notify me 21 days before with a statement, there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I did not pay and was marked late because this is clearly a billing error. The items below should all be updated as agreed on my consumer report : XXXX XXXX As a consumer, I request that these accounts and inquiries be updated or removed immediately, in accordance with the Fair Credit Reporting Act. Failure to comply with this request will result in my seeking monetary compensation for the violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability. 

Finally, I would like to reiterate that I did not authorize the following companies to access or pull my credit report, and I believe that these inquiries are fraudulent. I demand that these inquiries be removed immediately : XXXX XXXX XXXX XXXXXX/XX/2021 TransUnion XXXX XXXX XX/XX/2021 TransUnion XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 TransUnion XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX I have already submitted this complaint to the Complaint portal for the State Attorney Generals Office, XXXX XXXX XXXX , and Federal Trade Commission . 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I received confirmation # XXXX from a collection company called XXXX XXXX ( XXXX ) XXXX to affirm that I had in fact resolved this matter for an old XXXX  bill, by settling the payment for {$510.00}. Then a month later the same bill was requested for me to be paid by another collection agency ( who's name I don't recall because once I gave them the information I provided above they dismissed the account ). Then on XX/XX/XXXX I received a letter date XX/XX/XXXX from another collection agency called AFNI, inc. ( XXXX ) XXXX requesting that I pay XXXX again for the same XXXX XXXX I had already resolved with XXXX XXXX. I immediately called AFNI, inc. on the evening of XX/XX/XXXX to explain that this matter had already been resolved but the representative refused to accept my information and stated that if I didn't pay that they would report the account to the credit bureaus ( which they did by the very next morning an AFNI, inc. collection account was reported on my credit report ( XXXX, not sure of the others as of yet ). I contacted XXXX in which they just directed to call another credit agency who directed me to call XXXX back and explain that they must resolve this matter. I can not get ahold of anyone at XXXX to resolve this matter, and I've tried every support avenue they offer from chat to calling them directly. I am at my wits end and do not know what to do from these predatory collection agencies continuing to try and collect on a bill that has already been paid.
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. 
Account name : l C SYSTEM, has violated my rights. 

I looked at my trans union score on XX/XX/XXXX and noticed something are incomplete and not accurate. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( A ) ( XXXX ) 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

Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ). The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.
Product: Credit card

TD Credit Card Date : From XX/XX/XXXX, XXXX XX/XX/year> Total XXXX credit Cards same account Amount {$13000.00}
Product: Credit card

Good evening, I opened an Aspire credit card 4 months ago and in my 2nd month i noticed fraudulent transactions when i was going to pay my bill. I barely used the card and noticed i only had roughly {$30.00} in available credit left. I panicked and chatted with the live agent and told him about my situation. I followed the steps and he the agent told me he will block my card and gave me a phone number to call in and report the transactions. I fell ill and ended up calling a week or 2 later. I followed the steps and made it clear i did not have my card present and i chatted with someone online. The transaction ended up totaling {$850.00} with merchants i never recognized. 

Furthermore, on XX/XX/XXXX i received. letter from Aspire account ending in XXXX stating '' the investigation was not in my favor because i accessed the account during the transactions ''. I recalled accessing my account when i had {$30.00} available credit then the card was blocked. I had lost my phone a few weeks prior at the gym but ended up getting a replacement through my insurance, but didn't know i had to report that. I believe whoever stole my card also stole my phone as-well after figuring out my account had been accessed during those times.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX XX/XX/2020 and XX/XX/2020 {$580.00} 2. Navient XX/XX/2020 {$97.00} I spoke with them over the phone and refused to take action. 

In accordance with the Fair credit recording act this creditor as violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 604A section 2 it also states that 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 account consumer plan as late for any purpose
Product: Debt collection

To whom may concern Report # XXXX and # XXXX don't verify the alleged debt from your company. ( FFCC provided a simple bill which is NOT considered a " validation of debt '' by any means. You may wish to familiarize yourself with what is required when validating a debt ) you have violated at least three sections of this act by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) ( your company still conveying information to the credit bureaus regarding a debt ) Pursuant 15 usc 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium ) THIRD TIME I MAKE YOU AWARE OF FDCPA violations ) 3. Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) You have willfully reported an unverified and disputable debt to the credit bureaus. which is a violation of the Fair Credit Reporting Act. I will state again in this certified complaint that you have failed to verify the debt as accurate, you have provided no proof of this alleged debt pursuant 15 USC 1692g ( failed to provide me with the 5 things required by congress ) If I receive anything other than absolute proof from you, provided by the original creditor, I will assume you are harassing me and ignoring my cease and desist, and I will take action against you for these continued violations and abuse. 

Opportunity to cure ( attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft. The inquiry listed should be removed for this is fraudulent. Inquiry : XXXX XX/XX/2021.
Product: Credit reporting or other personal consumer reports

As a victim of debt bondage, a severe form of human trafficking. I was coerced into accumulating debts, resulting in multiple derogatory marks on my credit report. I am collaborating with a representative from the XXXX XXXX XXXX, an organization dedicated to helping survivors of human trafficking. Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies to exclude adverse information resulting from trafficking once an official claim has been submitted. 

XXXX XXXX Account number # XXXX XXXX XXXX XXXX XXXX Account number # XXXX DEPT OF EDUCATION/XXXX account XXXX XXXX DEPT OF EDUCATIONXXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATIONXXXX account # XXXX DEPT OF EDUCATION/XXXX account XXXX XXXX DEPT OF EDUCATION/XXXX account # XXXX XXXX OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX  account XXXX XXXX DEPT OF EDUCATION/XXXX account # XXXX XXXX OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS , PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF HUMAN TRAFFICKING IN PERSONS OR SEX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 | DOCKET NO. CFPB-2022-0023 | RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my report and saw late payments appearing even if I was never late. This is clearly a violation of my rights as per 15 US Code 1666B. Below are the accounts appearing to have a late payment ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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

XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX : Original creditor XXXX XXXX - XXXX Opened : XX/XX/XXXX Balance : {$1100.00} CCS COLLECTIONS Opened : XX/XX/XXXX Balance : {$580.00} XXXX : Original creditor I am writing to bring to your attention a matter of urgent concern regarding identity theft and fraudulent activity associated with my Credit Report. Upon reviewing my recent credit report, I have discovered numerous unauthorized accounts that I did not initiate or authorize. 
These discrepancies indicate that my personal information may have been compromised, resulting in unauthorized accounts. 
As a victim of identity theft, I am deeply troubled by these findings and am taking immediate steps to address the situation. FTC REPORT has been filed.
Product: Credit reporting or other personal consumer reports

My complaint is again XXXX XXXX XXXX XXXX XXXX out of XXXX AZ, Against XXXX XXXX, and XXXX XXXX XXXX. 

XXXX XXXX XXXX  has allowed one of their sales reps named XXXX XXXX XXXX to sell and open 4 fraudulent solar accounts with my first name, last name, and social security number claiming I was a joint applicant. The address range from XXXX arizona to XXXX XXXX arizona and XXXX Arizona. I have filed a police report and provided it to both Loan companies. I have also provided my credit report, tax records to prove I do not own the homes where the solar has been installed. My credit now holds over {$200000.00} in fraud solar accounts one is even over 100 days past due and is ruining my credit. I need these accounts to be removed from my name and credit report. My credit was also ran by both accounts in the upper end of 15 times and I want those inquiries removed off of my credit report. I was just denied a loan due to, to many inquiries and to many delinquent payments. This type of fraud should have never happened. Had proper screening been done and proper documents been collected I would not be a victim of fraud. I am also aware from all 3 companies that XXXX has committed multiple fraud accounts through these companies yet I still do not have a resolution. I have also provided all documents requested and still not resolution. There is no protection for consumers and if there was I would not be getting treated like I committed the fraud. XXXX needs to be prosecuted and held accountable. I am asking that this be looked into. I have also provided the companies with the detectives information and emails for the case as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint with CFPB about my name being incorrect and false accounts on my credit report. My complaint was labeled resolved but I noticed a few issues still unresolved. The 3 bureaus asked me to mail out a copy of my id and lease agreement in a attempt to pertrey a resolution attempt. My issues is I have mailed the request 3 times. It's also a XXXX charge off on my account for a car that was never in my position it was in my ex-girlfriend 's name XXXX XXXX. XXXX placed this vehicle on my account after resaling it and without giving me a change to take over the vehicle. The XXXX was never in my possession or never was I given a chance to take ownership but it's reported on my credit as if I had it. The car was quickly resold without letting me know and as I stated before I never had ownership. After my first complaint XXXX still continue to have a incorrect name on my credit report.