23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a victim of identity theft. Several years ago my information was stolen from my office and several accounts were opened in my name. I filed a police report with the XXXX police department. I did not open this account with XXXX XXXX. Several accounts with this bank were opened at the same time and this is the last account that is still in collection status. I have attached copies of letters from XXXX XXXX XXXX, a collection firm that was handling the other accounts and did their own identity theft investigation, and removed the accounts from my credit report.
Product: Checking or savings account

On XX/XX/XXXX I received a letter with a debit card attached with my name on it from USAA. I am neither a veteran or a family member of a veteran, as well as this letter was sent to my parents address not my legal address. I will attach a picture of said letter as well. On the same day I called 4 different USAA customer support lines in an attempt to resolve the issue. On the fraud line I was on hold for 90 minutes of the 180 minute wait time before the call just dropped. This also happened with similar results on 2 more of the 4 customer service lines I called in an attempt to report this fraudulent account. On the XXXX of XXXX I recieved 4 more letters from USAA stating the newly opened account has been overdrawn by more then {$400.00} combined between the letters and that I am to settle this amount as soon as possible or they will close the account ( which is not mine ) and report my debit to a collection agency. This time I called a number on said letter, listed as a customer support line, I spoke with a XXXX twice and a XXXX once, both very insistent on getting my full account number ( which I don't have because I don't have an account with them ) or my full social security number ( which I refused to give over the phone ). They both ended up " transferring '' me, resulting in a 2 hour hold period ending in a dropped call at the 140 minute mark. I called the fraud line again this morning to hear there is an 8 hour wait to speak with someone.
Product: Credit card or prepaid card

I XXXX XXXX filled out a credit application with XXXX for an Apple card on XX/XX/2021. I know credit is my right pursuant to 15 usc 1601. So I was confused when I received an adverse action knowing that only applies to insurance and employment pursuant to 15 usc 1681b. Since I have been denied my right and have received an adverse action that is violation of 15 usc 1681n civil liability for willful noncompliance. It also is a violation of 18 usc 241 conspiracy against rights and 18 usc 242 deprivation of rights under color of law.
Product: Money transfer, virtual currency, or money service

I have filed numerous complaints with every available agency requesting that XXXX/Google investigate the fraudulent transactions and wallet account that was made without my knowledge or consent. I am now providing what I have asked Google to provide for the last three years. There is no way Google does not have the information I will be attaching. They have deleted XXXX from the account an now state its on someone else 's account, that was able to take all of my unemployment benefits with no password required as google stated in a prior response. Google also stated that all monies were refunded did they then refund to the account that was tied to mine? I did not receive that money, I would like to see proof that its my account, since all merchants stated I made no purchases. The attached documents are proof this was not my doing. Not including all of the conflicting information that has been on every other complaint. Not one charge am I able to verify or know who made. I am a identity theft victim. The person on the attached documents lives less than a hour away from me and knows were I am at all times due to XXXX XXXX and being linked to the account. Google will not protect me and has not protected my info as it states they do.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Deceptive Practices by Experian and Violation of the Fair Credit Reporting Act ( FCRA ) Dear Sir or Madam ( CFPB ), I am writing to file a formal complaint against Experian for engaging in deceptive practices and violating the Fair Credit Reporting Act ( FCRA ). I have been experiencing ongoing issues with fraudulent information being reported on my credit report due to identity theft, and despite providing appropriate documentation, including a police report, Experian has repeatedly reinserted the fraudulent accounts, often without explanation or proper investigation. 

Here are the details of my case : Identity Theft Incident : I am a victim of identity theft, and the suspect responsible has been arrested and charged for the crime. I reported the theft to the police, and an open investigation was initiated. I submitted a police report, along with supporting documents, to Experian to prove the fraudulent activity and to request the removal of the associated accounts from my credit report. 

Experians Actions : After my initial dispute, Experian removed the fraudulent accounts from my credit report, which I appreciated. However, after a few weeks, Experian reinserts the fraudulent accounts, despite clear evidence of the fraud and the suspects arrest. When I contacted Experian, they failed to provide any information about the reason for the reinsertion or any details from the data furnisher ( the company reporting the fraudulent information ). 

Repeated Reinsertion : This pattern of reinserting the fraudulent accounts has occurred multiple times. In addition, the data furnishers have altered account numbers, and Experian has continued to honor their requests, further violating my rights under the FCRA. 

Failure to Investigate : Experian has not conducted a meaningful investigation into the fraudulent accounts, as required by the FCRA. They have continued to reinsert inaccurate and fraudulent information without providing any explanation or taking corrective action.

I believe that Experians actions are not only deceptive but also in violation of the FCRA, specifically Section 1681i, which mandates that credit reporting agencies conduct a reasonable investigation into disputes and correct any inaccuracies in a timely manner.

As a result of these repeated issues, my credit has been negatively impacted, causing significant stress and harm. I am requesting that the Consumer Financial Protection Bureau intervene in this matter and hold Experian accountable for their repeated violations of my rights under the FCRA. 

I would appreciate your prompt attention to this complaint and any assistance you can provide in resolving this matter. I am available to provide additional information or documentation as needed. 

Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times and across all credit reporting agencies on consumers files. 
Please investigate the completeness of the account listed within my consumer report that you maintain under my name and update my report with your findings within XXXX  days of your receipt of this dispute notice as per FCRA guidelines. 

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within XXXX  days and forward me the results. If this account can not be verified, DELETE/UPDATE my consumer report. 

ACCOUNT : XXXX XXXX Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the XXXX  possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of 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. 
I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home. 
Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain XXXX  possible accuracy. If these standards are broken then liabilities can arise. 
Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now. 
I have attached the erroneous account in question. 

This erroneous account was already removed from XXXX. Please DELETE this inaccurate account immediately. Thank you. 


This account ( XXXX ) needs to be DELETED/UPDATED due to inaccurate information reported within my consumer report if it can not be XXXX XXXX  verified/validated within XXXX days of your receipt of this dispute notice then it must be corrected. Failure to do so could constitute willful non-compliance by your agency. 
Please DELETE/UPDATE this erroneous, inaccurate information on my consumer report within XXXX  days of your receipt of this letter if this information can not be made complete. 

Thank you for your rapid response in this very important matter, XXXX XXXX.
Product: Checking or savings account

Two items from XXXX are currently in dispute with Capital One, XXXX and XXXX on XX/XX/XXXX. The orders were placed the same day, XX/XX/XXXX, shipped same day via USPS. Tracking number for order # XXXX in the amount of XXXX is XXXX, tracking showed left in parcel locker which I do not have one at my address. I have attempted to track this package today, XX/XX/XXXX, the information shows as " label created, not yet in system ''. Order # XXXX, XXXX showed same information, left in parcel locker, tracking number is XXXX. Tracking info as of today also shows same, " Label created, not yet in system ''. I attempted to provide this information to disputes team, however, they were closed when I called. As I have stated in dispute and again here, both packages were not received, left in a parcel locker in error by my mail carrier. I believe the dispute should be closed in my favor as there is no information to contradict my claim.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer DOB : XX/XX/XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX  XXXX Account # XXXX and Balance {$62.00}, XXXX XXXX with Balance {$1900.00}, XXXX with Account # XXXXXXXX XXXX  with Account # XXXX and Balance {$180.00}, XXXX XXXXXXXX XXXX  with Account # XXXX XXXX XXXX XXXXXXXX XXXX with Account # XXXX XXXX XXXX XXXX XXXX with Account # XXXX and Balances {$3300.00} / {$4500.00} / {$500.00}, XXXX XXXX with Account # XXXX and XXXX XXXX XXXX $ XXXX {$2100.00}, XXXX XXXX with Account # XXXX and Balance- {$29000.00} XXXX XXXX XXXX XXXX Account # XXXX and Balance {$15000.00}, XXXX XXXX XXXX Account XXXX XXXX and Balance - {$14000.00}, XXXX XXXX XXXX with Account XXXX XXXX And Balances - {$15000.00} / {$4500.00} / XXXX {$28000.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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. 

Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date : XX/XX/2022 Dear XXXX XXXX XXXX l, First Name & Last Name, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXX XXXXXXXX Account Number : XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation XXXX. Account Name : XXXX XXXX  Auto Account Number : XXXX XXXX XXXX XXXX 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation Sincerely, XXXX XXXX
Product: Debt collection

victoria secret - XXXX {$390.00} charged off sold to another collector date of last missed payment XX/XX/year> I am writing to formally request the removal of obsolete information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605 ( a ). The information in question pertains to an account that has been reported as in collection and has exceeded the seven-year reporting period. Additionally, this account has been sold to another collection agency.

The details of the account are as follows : victoria secret - XXXX {$390.00} charged off sold to another collector date of last missed payment 7/2018 According to Section 605 ( a ) of the FCRA, accounts placed for collection or charged to profit and loss should not be reported after seven years from the date of the first delinquency. As this account exceeds the seven-year period, it must be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiries on my personal credit report : 1.XXXX XXXX 2.XXXX 3XXXX 4.XXXX 5.XXXX XXXX XXXX 6.XXXX XXXX XXXX.
7.XXXX  8.XXXX XXXX XXXX XXXX 9.XXXX XXXX  10.XXXX XXXX 11.XXXX XXXX 12.XXXX 13XXXXXXXX XXXX 14XXXX 15.XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received incorrect information, fraudulent information, discriminating information
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

HELLO, I AM INQUIRING ON THE PREVIOUS INVESTIGATIONS THAT THE CREDIT BUREAUS HAVE PERFORMED. I FEEL LIKE NOTHING HAS BEEN DONE IN THIS CASE .... 

THERE ARE CERTAIN NEGATIVE ACCOUNTS ON MY CREDIT REPORT WHICH HAVE NOT BEEN RESOLVED. THE CORPORATE XXXX XXXX ACCOUNT IS REPORTING FALSE INFORMATION. I WAS NEVER LATE ON ANY OF MY MONTHLY PAYMENT, AS WELL AS I HAVE BEEN A VERY LOYAL CLIENT OF THEIRS FOR YEARS.XXXX XXXX  IS AN ACCOUNT THAT I DO NOT RECOGNIZE, AND I AM NOT LIABLE FOR, THEREFORE XXXX  WAS ABLE TO REMOVE THE NEGATIVE INFORMATION PLEASE GIVE ME A REASON WHY XXXX, EXPERIAN OR XXXX  HAVEN'T BEEN ABLE TO RECTIFY THE INACCURATE, OUTDATED, UNRELIABLE INFORMATION OFF OF MY CREDIT REPORTS. I FEEL AS IF MY CONCERNS ARE BEING DODGED BY THEM AND THIS IS AFFECTING ME IN AN ENORMOUS WAY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this letter in attempt to REMOVE some erroneous and incorrect items from my credit report, before I seek remedy. First of all, I would like to mention Public Policy HJR of 1933 a.k.a Public Law 73-10 which suspended the GOLD Standard and exempted US citizens from paying debts, so the provisions of this remedy considered all debts PAST, PRESENT, and FUTURE PREPAID. I would also like to assert the true fact that I AM A CREDITOR, and according to 12 U.S.C 83, No national bank shall make any loan or discount on the security of the shares of its own capital stock. In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
ACCOUNT NAMEXXXX XXXXXXXX ACCOUNT XXXX XXXX DATE OPENED- XX/XX/XXXX ACCOUNT NAME- XXXX XXXX  ACCOUNT NUMBER- XXXX XXXX OPENED- XX/XX/XXXX ACCOUNT NAME- XXXX XXXX XXXX  ACCOUNT NUMBER- XXXX DATE XXXX ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT NUMBER- XXXX DATE OPENED- XX/XX/XXXX ACCOUNT NAME- XXXXXXXX XXXX  ACCOUNT XXXX XXXX XXXX OPENED- XX/XX/XXXX ACCOUNT NAME- XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER- XXXX DATE OPENED- XX/XX/XXXX 15 U.S.C 1681 Section 602 A. states that I have a right to privacy. 15 U.S.C 1681 Section 604 A. also states that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states that NO consumer reporting agency may make any following items of information any adverse items 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 ) ( I ) states A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I DEMAND these be removed IMMEDIATELY. Also according to 18 USC 1028A if I did NOT give XXXX, EXQUIFAX, and XXXX, written consent to furnish this information, that would indeed be identity theft.Pursuant to 15 U.S.C. 1692k any debt collector that fails to comply with any provision of this sub chapter with respect to ANY person is liable to DAMAGES. that I am I have listed the accounts above, and I DEMAND each and EVERY ACCOUNT AFOREMENTIONED ABOVE BE REMOVED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C without prior consent of the consumer given directly to the debt collection or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting or other personal consumer reports

Im a victim of Identity theft and there are accounts on my report that dont belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account # XXXX XXXX XXXX XXXX / XXXX XXXX XXXX {$810.00} with XXXX Experian and XXXX  and the incorrect information is still there. 
I do not know who account # XXXX XXXX XXXX XXXX / XXXX XXXX XXXX {$810.00} is. 
I have never signed an agreement with account # XXXX XXXX XXXX XXXX / XXXX XXXX XXXX   {$810.00}. 
They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2020
Product: Credit reporting or other personal consumer reports

Experian sent an email stating they received my request however they stated it did not appear to have been sent directly by me or authorized by me. So, they did not take any action on my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/2017 I logged on to check my credit as I do regularly. I noticed that my credit had dropped and there was a hard pull on my credit report. So I saw that CBNA was the company and did the pull on XXXX XXXX 2017. Well I called the company because I have n't taken out any credit cards or loans or even applied for anything. When I called the company I was referred to a different number who said they could help me better there. So I called the number the company had given me, and this number gave me another number that I need to call the company itself ( the very first number I called ) and that there is nothing they could do to help me and hung up. I decided to give the original number another call and said that unfortunately they do n't help these kinds of cases. The fact is I DID NOT REQUEST THIS INQUIRY.
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion, and XXXX have all reported collections on my credit report that do not belong to me. Specifically, the collection from XXXX XXXX XXXX, which states I owe {$510.00} for a XXXX  account, is fraudulent. I spoke with XXXX XXXX from XXXX XXXX XXXX, who confirmed that my last name was spelled incorrectly in their records, and she flagged the account as fraudulent. Furthermore, the {$350.00} charge for XXXXne phone line is unreasonably high and inconsistent with XXXXXXXX pricing, which makes it evident that this debt is not mine. I never had an account with XXXX on my own in XXXX  ; I was on my mothers plan. 

In addition, a collection from XXXX XXXX XXXX, claiming I owe {$470.00} to XXXX, is also fraudulent. XXXX confirmed that I do not owe any balance and advised me to report this charge as fraudulent. 

What is troubling is that XXXX added the XXXX XXXX XXXX collection to my report after removing the XXXX XXXX collection, which had never been on my report to begin with. This raises concerns about the accuracy of the data XXXX is reporting and the lack of proper verification before reporting these collections. My last name was misspelled in one of the fraudulent collections, further indicating that these records were never properly validated. 

I request that XXXX, TransUnion, and XXXX immediately remove these fraudulent collections from my credit reports and thoroughly investigate the accuracy of the information they are receiving from the companies reporting these debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to dispute this XXXX late payment from my credit report. The company agreed to remove it. The XXXX payment was under deferment due to XXXX Virus. The company made an error the credit Experian will not remove it.