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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$52.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$23.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$24.00} ; XXXX XXXX XXXXXXXX Balance : {$390.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amazon 3 times and Old Navy XXXX are the ones showing delinquent, when we tried paying and they had me as XXXX. This took months to fix. Still no one can explain to me how this happened. 
Thanks
Product: Credit card or prepaid card

Basically there are charges on my Discover credit card from a fraud case I have made police reports reported it gone through an entire process and they keep rejecting it and claiming that the charges are mine and they keep saying that its not a fraud even though I have not made the charges I have on the card my bank is who made me aware of it I had no idea has not been resolved its been over one year
Product: Credit reporting or other personal consumer reports

I checked my report and the following is violating my rights Under 15.U.S. Code 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Inever gave transunion any written consent to report the accounts below. No consent is Identity Theft. As a consumer I am demanding deletion of these inquiries and account from my file -account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Applied for Loan wiht Navy federal went to purchase vehicle bc loan funds werent received by dealer from Navy Federal. Dealer funds were retracted and sent back to Navy Federal Credit Union straight from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a " documented '' victim of the 2017 data breach from XXXX. I have several inquiries pertaining to someone attempting to obtain credit. Please remove them.
Product: Credit reporting or other personal consumer reports

There are XXXX accounts on Trans Union, XXXX and XXXX that has been reported incorrectly and have not been corrected or deleted by the credut reporting companies. They are listed below as follows : XXXX. XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Balance {$3800.00} XXXX. XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Balance {$870.00} Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$1900.00} from XX/XX/XXXX to XX/XX/XXXX ; {$2000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$2000.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$2000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$2000.00} XXXX. XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account XXXX XXXX XXXX XX/XX/XXXX Account Type Revolving Account Loan Type CREDIT CARD Balance {$1200.00} Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Monthly Payment {$0.00} Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type AUTOMOBILE Balance {$24000.00} Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< XXXX XXXX XXXX XX/XX/XXXX Terms {$0.00} per month, paid Monthly for XXXX  months Date Closed XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX, FL XXXX Phone XXXX XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Balance {$9600.00} Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly XXXX XXXX XXXX XX/XX/XXXX Date Closed XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX https : XXXX XX/XX/XXXX Account Information Address XXXX XXXX XXXX XXXX, NC XXXX Phone XXXX XXXX ) XXXX Monthly Payment {$0.00} Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type AUTOMOBILE Balance {$14000.00} Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms {$0.00} per month, paid Monthly for XXXX  months Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$18000.00} from XX/XX/XXXX to XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these inquiries, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

These are accounts are grave errors, and were settled a long time ago ... I was appalled when I viewed my report ... how can settled accounts be sold to collection agencies?? 
The original creditor informed me that these accounts were and can not be verified, so why is Equifax still reporting?? 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX {$200.00} XXXX {$59.00} XXXX {$30.00} XXXX {$480.00} XXXX {$230.00}
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I need you to take action to the Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by XXXX XXXXXX/XX/year>. Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 15 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( aX1XB ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute and complaint regarding a potential violation of my privacy rights under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act related to a student loan issued by the Department of Education.

As per the Family Educational Rights and Privacy Act ( 20 USC 1232g ( b ) ), which protects the privacy of student education records, my student loan details and information should be treated as confidential education records by the Department of Education and any other entities servicing or handling my loan. 
However, I have reason to believe that my private student loan information may have been improperly shared, disseminated or reported without due care, fairness and confidentiality protections as mandated by 15 U.S. Code 1681, which outlines Congressional findings on the need for accuracy, fairness and respect for consumer privacy in credit reporting.

Specifically, section 1681 ( a ) ( 4 ) states there is " a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Furthermore, section 1681 ( b ) highlights the purpose of having " reasonable procedures '' for entities dealing with consumer information to ensure " confidentiality, accuracy, relevancy, and proper utilization of such information. '' I am concerned that my private student loan data, which should be safeguarded as an educational record under FERPA, may have been mishandled, improperly shared or inaccurately reported, thus violating both FERPA and the Fair Credit Reporting Act 's intent of protecting consumer privacy. 
As such, I urge the CFPB to investigate this matter thoroughly and take appropriate enforcement action to uphold my student privacy rights and ensure compliance with all applicable privacy laws by the Department of Education and any other entities involved in servicing my student loans. 
Thank you for your attention to this serious issue. I look forward to your prompt action and response regarding this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contesting the presence of unauthorized credit inquiries on my credit report, which were conducted in violation of Permissible Purpose 15 US Code 1681b ( a ) ( 1 ) ( 2 ). These inquiries were made without my consent or knowledge, infringing upon my privacy rights and potentially harming my creditworthiness. I have not granted permission to any individuals or institutions to access my credit information or initiate credit inquiries on my behalf. Such inquiries were conducted without a valid permissible purpose, as defined in 15 US Code 1681b ( a ) ( 1 ) ( 2 ) and section 604 of the Fair Credit Reporting Act ( FCRA ). I hereby request an immediate investigation into these unauthorized inquiries and their prompt removal from my credit report. I kindly ask that you update my credit report accordingly and furnish me with an updated copy once the necessary modifications have been completed. The unauthorized credit inquiries in question are as follows : XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX 
I anticipate a swift resolution to this matter, in accordance with the Fair Credit Reporting Act ( FCRA ), which mandates a response within 30 days of receiving this correspondence. Should you require any additional information or documentation to aid in the investigation, kindly reach out to me using the contact information provided with this dispute. Thank you for your attention to this dispute. I have confidence in your ability to address this matter with the required diligence and professionalism.
Product: Debt collection

I am reporting that the company portfolio recovery associates llc, is sending XXXX XXXX letters and phone callsthat the accountXXXX is being reported on my credit report as a debt of balance of {$410.00} which is a federal law forgiven debt.since XX/XX/2018. a 1099-c form, was sent by certified mail to XXXX/portfolio recovery associates, because of the event of XX/XX/2018, answer me with a reply why are you reporting and calling me, which I do not want you to do again.about a debt that's has no validation as a debt and calling me as if this is a legal debt, which put portfolio recovery associates, and XXXX is in violation of section 611 of the f, t, c. f.c.r.a.and I am asking for this action to stop.send me the consumer validation of this debt or change the payment status to paid.
Product: Debt collection

XX/XX/18 - Received voicemail from blocked number threatening a process server. No information regarding debt or company involved XX/XX/18 - Company contacted my place of business and told the office manager that they were a lawyer attempting to serve me. Left the name XXXX XXXX and phone number of XXXX XX/XX/XXXX - Received letter from BV Solution claiming that XXXX XXXX had forwarded account for collection on XX/XX/XXXX and provided a settlement option and an extremely suspicious web address for payment XXXX XXXX  XXXX. 
Called the number on the letter - XXXX and was advised that the account was no longer in their office and had been referred to another agency called " XXXX '' and to call them at XXXX. Called number and it went to a full voicemail box. 

The debt referenced on the letter was paid in full to the issuing bank on XX/XX/18.
Product: Credit reporting or other personal consumer reports

Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2022 : Account number : N/A, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted.

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd Complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. These are the inaccurate accounts that I want them to correct : XXXX XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX XXXX Balance : {$24000.00}.
Product: Student loan

navient XXXX was told i could get my co signer off of it after paying 9 x in a row didnt happen, they stopped taking money from my account after the 9th month and still continued to call. split my loan into alot of small loans to subsidiaries and call me all day from all kinds of different companies that i do not know/trust and will not answer. Took my loan out of default, then it instantly changed hands to another company within navient and is currently harassing me with phone calls XXXX. paid a fee back in XX/XX/XXXX or XXXX, to consolidate my loans ( private ) into XXXX loan and they did nothing. Was told when i first started college that I would only have XXXX loan instantly had XXXX i didnt know about till i graduated ( mostly XXXX 's fault. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a response from XXXX re : Conf. XXXX. It fixed most of the issues but did not resolve the Sequium issue. The dates are still inaccurate and all over the map. They and Sequium need to fix it. How many times do I have to provide the same information for both to pay attention, read what is sent, absorb it and get the hint that I'm continuing to catch their errors? I'm just not clear on why they can't see what's right before them. I want it fixed and I'm not backing down. They can't seem to fix it so remove it! That's a fair resolution in my book. Otherwise they risk my suing them.
Product: Debt collection

Collections agency pulled it out of a hat. Totally bogus. 
Event happened XX/XX/XXXX. XXXX accounting error. Balance ought to be {$0.00}. 
How is it XX/XX/XXXX collections agency can just reopen/ post false information on my credit reports? 
Then, credit agency is all automated. You are unable to speak to a person anywhere in their process? Really? 
Credit agency operates like XXXX with no responsibility, accountability except towards me or whomever is chosen by business? 
I ought to be getting paid for all the time spent trying to correct their incompetence ; for making changes to my account without authorization ; and for adding additional phone with additional services ALL WITHOUT AUTHORIZATION/ PERMISSION TO DO SO. 
NOT LEGAL AT ALL.
Product: Credit reporting or other personal consumer reports

There was a fraud alert placed on my credit report. I have been calling and trying to have it removed but I am not getting any response. 

I am not getting any response because the automated phone prompt are hanging up on me after I request to remove the fraud alert from my credit. I am trying to get approved for lines of and this is causing a huge conflict.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, US Dept. of EducationXXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

In XX/XX/XXXX I was planning to buy a home, so I applied for a mortgage. My application was denied due to multiple derogatory accounts due to identity theft. I was completely unaware until I was notified by the mortgage company. 

After extensive research I determined that my credit was pulled XXXX times by the identity thieves between XX/XX/XXXX and XX/XX/XXXX. As of right now I know that several accounts were opened, XXXX cars were purchased, and an apartment was rented. The identity thief contacted XXXX of my existing creditors which I had open accounts with by phone and impersonating me, told them that I had moved to Florida. These creditors were XXXX XXXX, XXXX XXXX and XXXX XXXX. Each of these accounts had a XXXX balance. The identity thief then charged up each of these cards, having the merchandise delivered to the home in Florida. I have never lived in Florida. 

I have gone through the process of reporting the identity theft to each of the creditors, filed a report with the FTC, filed a local police report, completed an identity theft affidavit and contacted the credit bureaus to resolve this situation. This has been a year of fighting to get my good name back. I have been able to resolve and remove the majority of these accounts, but I have XXXX remaining collection accounts that I have been unable to have removed, which is the reason for my complaint. 

The first collection account is XXXX for the debt with XXXX XXXX. I had disputed directly with XXXX XXXX, communicated by phone and mail and they removed the debt from my credit report. I was quite surprised to then get a collection account from XXXX. The account was opened XX/XX/XXXX in the amount of {$12000.00}. I immediately contacted XXXX and was asked to send them a copy of my identity theft package, which I did. This account has yet to be removed. I have sent in multiple requests for removal of this account and they have reported that it meets FCRA requirements, which clearly it does not. 

The second collection account that I have been unable to have removed is with XXXX for XXXX Apartments. This account is for an apartment that was rented in Florida with my identity. I have request removal for identity theft several times, and have had no success. With this account, it may not even be in my name, because my name is XXXX XXXX, and the identity thief opened multiple accounts under the name XXXX XXXX. The alternate name, Florida addresses, and different employers have all shown up on my credit report.
Product: Debt collection

I recently noticed a debt collection agency reported that I owe {$230.00}, CBE Group, for XXXX XXXX. I called XXXX XXXX and they took a while and finally said I probably owe them for equipment. I told them that I have equipment ( modem and router ) but since returning it is such a hassle I planned to just pay for it. They never contacted me or sent me a bill for the equipment. They just sent the debt to the CBE Group. They told me that they sent an email back in XXXX. I have no emails from them. They could have sent me mail, called me, or just taken the money from my account since it had been on autopay previously anyways. 

This is a horrible practice. My credit report has been negatively affected due to their laziness. Please help.