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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$460.00}, XXXX XXXX Balance : {$260.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00}, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached please find [ 4 ] Form XXXX issued by XXXX wherein they make notice of " Cancellation of Debt ''. Each of the XXXX relates to the following XXXX Credit Card accounts which I have repeatedly disputed. XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. Each dispute was met by XXXX 's claimthat they verified the account as accurate. Recently, I received refund checks from XXXX related to these accounts. I was told XXXX had not handled my disputes properly and had in fact overcharged these accounts on numerous occasions. The XXXX revelations came about due to complaints to Consumer Financial Protection Bureau, a subsequent investigation, and settlement agreement with CFPB wherein certain XXXX members would be reimbursed for XXXX 's errant ways. 

As the attached XXXX will attest, XXXX has abandoned all claim to the referenced accounts and cancelled the debt associated with each. Nonethereless, XXXX, XXXX, XXXX, Trans Union, XXXX XXXX, XXXX XXXX XXXX and others continue to report innacurate information related to my credit report. 

The continued publication and dissimination of this inaccurate credit information is a manifest injustice. 

Next, I have been unable to " get verified '' by Trans Union, XXXX  or XXXX in order to obtain a code to temporarily lift my credit freeze. TO say I have been led down a primrose path in my multiple attempts is an understatement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX , after Hurricane  XXXX  I applied for and granted a forbearance ( Disaster Relief ) by Ocwen. As stated in prior complaints this company is very deceptive, I have been notified by  XXXX  credit reporting agencies that my payments for the  XXXX  months for forbearance are now being reported as 90 days late. This has tremendously brought down my  XXXX   XXXX . I spoke with the Ombudsman from  Ocwen  who assured me, as well as apologized  XXXX  times. That my credit would in no way be effected, these payments would go on the end of my loan. However, this is not the case. It has also been reported that they were late payments made in  XXXX  and  XXXX  that are not true,  Ocwen  said these should have been removed in  XXXX . Looks like that was another lie. I am suffering from   XXXX   XXXX   and the undue stress of their practices is wearing on me. I think Ocwen needs to understand everyone is not going to stand for their bad practices.     I would like this resolved ASAP, as I look for another mortgage company to service my needs.
Product: Credit reporting or other personal consumer reports

Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I'am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX written , unwritten, verbal or non verbal to report my nonpublic personal information. XXXX is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX XXXX XXXX that my nonpublic personal information was going to be shared to non affiliated third parties such as the XXXX credit reporting agencies, and I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every XXXX ( XXXX ) days which Bridgecrest never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, XXXX violated the terms and conditions within their contract, because XXXX states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive XXXX different disclosures before my nonpublic personal information is shared but I never received notice. I want this account removed per the laws I stated above within XXXX hours and the account XXXX XXXX. I will acquire a certified audit report on this loan and file a SEC complaint and upload the report as well if this account is not removed.
Product: Prepaid card

This is about a gift card. 
The cfpd site says they should be good for 5 years?? 
Had this card for not even close to a year. It expired on XXXX. I called CITI on XXXX/XXXX/16 and they pretty much said, tough luck it is no good. 
Its not that is much $ , but the gift card was only some months old.
Product: Credit card or prepaid card

Starting XX/XX/XXXX, my Barclay card and account have been compromised due to me being a victim of identity theft/fraud. I initially noticed on the XX/XX/XXXX to XX/XX/XXXX statement there was charges on the account which were not made nor authorized by me. On my previous statement from XX/XX/XXXX to XX/XX/XXXX, the statement balance was {$1400.00}. The following statement for XXXX XXXX XXXX the new statement balance rose to {$2400.00}. On this statement balance, there were other charges made such as cash advances ( total {$8700.00} ), purchases ( total {$9700.00} ) and other credits ( total {$16000.00} ). For the next statement of XXXX XXXX XXXX, the new statement balance was {$10000.00} with purchases totaling {$5100.00} and cash advance totaling {$2500.00}. Between these statements, I found there was another name linked to the account- the name of a person I have never met nor heard of. 

Following the XXXX XXXX XXXX statement, I immediately notified Barclay of this issue and their initial response was to close the account of my first card, issue a second card so I would still have a Barclays card to use while they would investigate the situation in the meantime. After receiving the second card, the same issue occurred again on the new card where there were more fraudulent charges made under the name of the person whom Ive never met. Again, I notified Barclay of the repeated issue and they had the same response as before ; close the recent card I received from, receive another card in the meantime while the company would investigate the issue. This same issue occurred for a total of nine times in which I had to receive a new card while Barclay would close the previous card in order to investigate the issue. In between the nine new cards/accounts which were opened in order to keep the account open to investigate, I only received four of the nine credit cards. The other five credit cards which were opened under my name were never sent to me but rather, I would receive a letter from Barclay stating those five cards/accounts were closed. As of now, the four cards I initially received from Barclay are closed as well. I even notified Barclay to take off this person off my account so they would no longer have access to my account nor make changes to it. Its been 8 months since Ive notified Barclay of this ongoing issue and they have yet to resolve the fraudulent charges on my account. I have made every attempt to follow up with Barclay in regards to their investigation to clear the fraudulent charges off my account and they have given me the same answer - that they are still investigating and will contact me soon. When I last contacted Barclay to give me an update on the investigation, they told me I should expect a response by XXXX XXXX ; I have yet to receive anything from them and it is already XX/XX/XXXX. As of now, the most recent statement balance from XXXX  XXXX XXXX is {$16000.00}, further proving Barclay has not acted on the fraudulent charges made to my account despite giving them 8 months to fix this issue.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

AD ASTRA RECOVERY SERVICES received certified mail from me on Friday XXXX XXXX, 2017 of notice to validate debt and to provide an original wet ink contract stating I owe debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Dealer Services is reporting a late on my credit file for the month of XX/XX/2020. Due to the unforeseen events surrounding the Covid Pandemic I was severely financially impacted. I am also aware that under the federal mandate and CARES act put in place you are not allowed to put late notations on my credit file during the pandemic. I have had an account with you for a very long time and this is extremely disappointing.
Product: Debt collection

In the first week of  XXXX  the   XXXX   XXXX   XXXX   called and threaten to have me arrested if I did not pay  XXXX  on  XXXX   XXXX  and  XXXX   XXXX . The person was very demeaning and rude and told me I would go to jail. Then even called my work.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Creditor XXXX XXXX ) XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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. 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. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports : XXXX XXXX XXXX XXXXXXXX XX/XX/2021, XXXX XXXX XXXX  XX/XX/2021, XXXX XXXX, XXXX XX/XX/2021, XXXX XXXX  XX/XX/2021, and XXXX XXXX XX/XX/2021. Please REMOVE.
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 : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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: Debt collection

Hello XXXX XXXX XXXX put a collection on my account saying I have a debt of {$67.00} that needed to be paid which I just went ahead and paid for it since I was NEVER notified it needed to be paid and also closed my account with them. They never told me that I had a extra amount that needed to be paid. And denied that they will remove it from my credit when I am the one not at fault here. They have my email and phone number on file they could of asked for the forwarding address which they decided not to contact me on. 

The address they where forwarding to was the exact address that I closed the account on and never gave me a EMAIL OR PHONE call to ask for a forwarding address they could send the letters to so I believe I should rightfully get this removed from my account since I paid this in full immediately.
Product: Credit reporting or other personal consumer reports

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. 

LIST OF ACCOUNTS BEING CHALLENGED 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

After careful review of the report I find out accounts which are not belong to me. f you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. f you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

As much as I appreciate Equifax 's actions in removing the unauthorized inquiries I previously disputed, I am appalled to see another unauthorized inquiry being reported on my Credit File. I recently checked my updated personal credit report and I noticed an unauthorized credit inquiry reported on my personal credit report. I request that Equifax initiate an investigation into the below inquiry on my credit report to determine who authorized this inquiry. If, once Equifax 's investigation is complete, Equifax find my allegation to be true, please remove this inquiry and send me an updated copy of my credit report at the address listed above. 
XXXX XXXX XXXX XXXX If Equifax find the inquiry referenced above to be valid, please send me a description of the procedures used in Equifax 's investigation within 15 business days of the completion of the investigation.
Product: Debt collection

On XX/XX/2021 a collections company called Waypoint placed a derogatory mark on my credit report for a {$460.00} bill to XXXX communications. 

Having no knowledge of this debt, I called waypoint and spoke to an employee there who looked up the debt. She told me this was for another " XXXX XXXX '' with an address associated with a XXXX XXXX XXXX, UT address, of which I have never lived in. She then asked for the last 4 digits of my social security number and said that they didn't match the account in question.

I was then told to speak with a supervisor so that it could be removed. I've since called on 5 different occasions throughout the months of XXXX and XXXX to speak to a supervisor. Everytime I call there isn't one available, and even though I've left multiple messages, I never receive call backs. And this still shows up on my credit report. 

I've also sent a formal dispute through XXXX but they sent me a letter saying that the charges were " accurate '' even though they don't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau is in violation of FDCPA, FCRA and also XXXX compliance. The account in question is over 10 years old.
Product: Checking or savings account

Wells Fargo had someone to open up an account without my knowledge
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inquiries from your company that I do not remember authorizing. Its my understanding that credit inquiries should only be made with my consent. 
XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Midland funding claims I owe them for an account that was opened back in XXXX. The account was opened at an adress that I was no longer living. I had no knowledge that the account even exhisted until I received a summons in the mail in XXXX of XXXX about a garnishment. This is not my account.
Product: Student loan

I called my student loan servicer ( Navient ) to discuss a payment. Somehow I was connected to a third party company. I was under the impression I was on the phone with Navient but I was actually on the phone with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX told me I was eligible to apply for the Public Student Loan Forgiveness program but need to pay {$390.00} I gave them payment on XXXX XXXX, 2022. When I called to check the status of my loans, I was told by XXXX and the Department of Education that XXXX should not charge me for this.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl, XXXX XX/XX/XXXX Social : XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX fraudulent account XXXX XXXX XXXX. fraudulent account XXXX  XXXX XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP.

Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX
Product: Debt collection

Debt collectors filed lien, reported and threatened to sue for debt not owed or paid in full.I am a victim of the XXXX XXXX data breach.