23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I would like to add the FTC report to my complaint regarding unauthorized inquiries. I XXXX XXXX XXXX fraudulently obtained my personal information and ran my credit without my consent. They lied about running my credit. I spoke to the companies who are reporting hard inquiries on my credit report, which verified that XXXX XXXX XXXX did request financing using my information. Again, I spoke to individuals at XXXX XXXX XXXX and explained that I verified that they did submit my information to XXXX  and XXXX At that point, they said there's nothing that can be done at this point, and they just washed their hands of the situation. I have been calling the dealership and have been getting completely ignored. The dealership has completely disregarded me. 

I have proof where the salesman acknowledges that my credit was not supposed to be ran again. Please find that attached. 
I would like to note that XXXX has removed the inquiries from my credit report, as they recognize them as being made fraudulently.
Product: Credit reporting or other personal consumer reports

Can you reinvestigate the accounts listed below. 
Reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 


XXXX Charge Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 


XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX Credit Card with account XXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00} Collection account from XXXX XXXX XXXX with account XXXX XXXX and a balance of {$1500.00}. The original creditor is XXXX XXXX XXXX XXXX 


Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$530.00}. The original creditor is XXXX XXXX. 


Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report According to 15 U.S. CODE 1681 I have a right to privacy, Accuracy and fairness of credit reporting. The information on my credit report is not accurate. Please send me the method of validation certified receipt with my name on it and signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax on XX/XX/2021 regarding an inaccurate account and that the account is currently in litigation. The account I am referring to is XXXX XXXX XXXX. Here it is XX/XX/2021 and I have not received any response as to the accuracy of this account or that to the fact that this account is in litigation. I feel like Equifax is taking advantage of me and they are ignoring my dispute. What I do know is that Section 611 ( a ) plainly states that a failure to investigate this item with in 30 days they have to immediately remove those items from my credit report. This is causing me extreme emotional stress due to the fact that I am in the process of applying for a job in the financial industry and inaccurate information will jeopardize my chances of being hired. I demand this account be deleted immediately or I will file for litigation due to the stress Equifax is causing me.
Product: Checking or savings account

On XX/XX/2021 I received an email and a bill stating I had ordered an XXXX XXXX XXXX and it was being shipped to Florida. I live in CT. I called the phone number on what appeared to be XXXX XXXX, on the statement and was connected to Mr. XXXX XXXX stating my account had been hacked. There were several issues : 1 ) the IP address hacked & now toxic 2 ) email compromised 3 ) tiny banker and spyeye malware noted 4 ) security level only 7 % ; if had fallen to 5 % or lower they could not help. I granted remote access to view what seemed like a legit employee ID. Also, they had me check my accounts to see if the bank had issued a fraud charge, so they had access to my personal banking information. 
I was directed to purchase two ( 2 ) XXXX gift cards, each for {$500.00} from XXXX and two ( 2 ) different XXXX XXXX XXXX stores. This was for a total of {$3000.00}. Then I was told to read the numbers and access codes so that could 'update the security ' on my account. I was sent what appeared to be legit 'refund ' to each of my checking accounts from XXXX for each {$1000.00} card purchase. This took place over a 2-1/2 hour time period. At times there were conversations with the 'floor manager ', Mr.XXXX  XXXX as well. Finally about XXXX XXXX, the manager said the security was @ 95 % and XXXX would take care of the rest from there and I was not to worry. They would call me in the morning to finalize and update the security level. I have had multiple phone calls from them today ; same number I called yesterday to cancel the original order. That # is : XXXX XXXX XXXX XXXX. I have not answered any of these calls. 
When I went to check for those texts this morning ( XX/XX/2021 ) they were not to be found. Also, checking my accounts there was no deposits to either one, just the debits made to purchase the gift cared. 
This obviously an on line SCAM.
Product: Credit card

I submitted a previous complaint against tidewater finance for false credit reporting they responded back stating that they are reporting accurately and that the account on my credit was not reflecting open and had been closed and charged off since XXXX/XXXX/XXXX however the current reporting on my credit shows that the account was closed XXXX/XXXX/XXXX agar my complaint that was filed in XXXX XXXX. They falsley claimed that they did a thorough investigation and are reporting correctly. I have attached a copy of the current reporting showing that the account was recently closed after I made a complaint as well as the response they wrote certifying there accuracy.
Product: Debt collection

On XX/XX/2019 the supposed lawfirm SUTTEL & HAMMER sent a letter claiming I owe a debt in the amount of {$4300.00}. They claim that XXXX XXXX has retained the firm to collect its claim against me. 
I do not know SUTTEL & HAMMER. And they have failed to verify that they are authorized to collect a debt from me. 
On XX/XX/2019 I sent SUTTEL & HAMMER asking them to verify the debt. 
I asked them to provide licensing and permitting information that proves you are legally allowed to collect a debt from me. 
I stated that if they are unable to verify the debt they agree that XXXX XXXX XXXX, XXXX is a victim of identity theft. 
I asked them for an authentic signed contract between them and XXXX XXXX XXXX XXXX showing proof that they and that are now or were at one time in business together and other supporting documentation that gave rise to the alleged obligation XXXX  is claiming owed. 
I asked for a statement admitting whether they are the holder in due course or whether they are a servicer. 
I asked if the loan has be securitized and they CUSIP number for which it was securitized. 
I asked them to make available for visual inspection my original wet ink promissory note. 
I asked them to provide copies of current licenses and permits that allow them to collect this debt for a third party as a licensed debt collector in CALIFORNIA, informing them that fines and felonies are the penalties if they are not licensed properly should I not be the true party of interest in this debt collection bill copied and enclosed. 
I gave them 30 days to respond and they failed to do so. Instead, on XXXX XXXX SUTTEL & HAMMER committed fraud by advancing a writing without providing procedurally proper validation of the alleged debt. They sent payment copies and copies of billing statements which is not validation.
Product: Debt collection

In XX/XX/XXXX, Regions Bank sent me a check for {$100.00} which was not due to me. Since I knew the check was not due me I did not cash it. Recently, in XX/XX/XXXX, I received a collection letter from Regions Bank stating that I had an outstanding balance of {$100.00}. I then called the phone number provided on the letter and explained the situation to the representative show stated the situation would be resolved. I then received another correspondence stating I still owed the {$100.00}. I called Regions again and spoke to 4 different people attempting to resolve the issue. I finally talked to a representative named XXXX XXXX who suggested I cash the XX/XX/XXXX check and then mail the {$100.00} back to Regions. Even though I did not like this idea, I was willing to try it as I was getting no where with the Regions representatives. My bank did not accept the check because it is stale dated. Since then I have emailed XXXX XXXX 3 times on XX/XX/XXXX, XXXX, and again on XXXX. He has not responded to me or acknowledged my emails to him. As such, I have informed him that I would be filing this complaint.
Product: Mortgage

My mortgage was transferred to Shellpoint in XX/XX/XXXX. I was assigned a point of contact, XXXX XXXX on XXXX. I reached out to her multiple times and did not receive a response. I sent a general email and received an email from XXXX XXXX, my new point of contact XXXX. I spoke with XXXX on XXXX. She offered me a deferment which I accepted. She told me that my past 22 past payments would be added to the end of the loan. She also gave me my new monthly mortgage payment amount. I was to receive the paperwork in the mail to sign and return. I never received the paperwork and as XXXX XXXX, XXXX approached I did not know what to do. I reached out to XXXX by email on XXXX. Her response on XXXX was that the paperwork was sent out and since it was not returned by XX/XX/XXXX it would have to be re- generated with new dates. Again, I have emailed and called her with no additional response. Please note, she emailed me at XXXX, I emailed he back immediately at XXXX. She has yet to respond. This company is purposely stalling me and this process. This is an attempt to take my home. I can never reach anyone by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt CREDENCE RM. I do not have a contract with that company. I have contacted XXXX andXXXXn regarding this collection fraudulently filed on my credit report, but they still refuse to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised the credit agencies many times that the statue of limitation is expired and this item is still on my credit report. My next step is to hire a consumer law attorney XXXX  XXXX - XXXX XXXX  XXXX TransUnion Date Opened XX/XX/2007 XX/XX/2007 XX/XX/2007
Product: Bank account or service

I Made all payments to Bank Of America 8 Years Ago And they are Refusing to remove me from XXXX and XXXX A System that want allow you to open any bank accounts they have lied to me over and over stating once its paid they will remove me from these system and have not done Can some one please help me.
Product: Debt collection

Since 2010, I have been disputing fraudulent credit card charges with XXXX XXXX, XXXX, and Portfolio Recovery in regard to a credit card that was opened in my name. I originally filed a complaint with XXXX XXXX and no action were taken, which resulted in the account falling into the default. XXXX  XXXX  then sold the account off to XXXX XXXX / XXXX XXXX. I contacted XXXX XXXX and still never removed off my credit. I threatened then threaten XXXX XXXX XXXX XXXX with a lawsuit and they in turn sold the account off to Portfolio Recovery / XXXX XXXX. I have asked Portfolio for signatures, dates and yet nothing has been provided to me showing that this is my debt. The only thing they'd given me is my address. I have disputed this account of the past 8 years by following a Police Report and many threatening letters and yet they refuse to remove it off my credit.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX XXXX XXXX for Incorrect Credit Reporting and Failure to Validate Debt Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue Details : I am filing this complaint against XXXX XXXX XXXX for the following violations of consumer protection laws related to the handling of an alleged debt of {$1100.00}, which they claim was purchased from Milestone/Bank of Missouri. 

1. False Reporting of Debt : XXXX XXXX XXXX has inaccurately reported to the credit bureaus that they are the original creditor for the alleged debt. This is factually incorrect, as they informed me that they purchased the debt from XXXX XXXX XXXX XXXX Reporting this incorrect information violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires that companies report only accurate information to the credit bureaus.

2. Failure to Validate the Debt : I requested XXXX XXXX XXXX provide written proof of the debt, including validation documents as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. To date, they have failed to provide any validation of the debt, including the original contract or any legal documentation proving I owe this amount. The FDCPA requires debt collectors to validate the debt upon request, and their failure to do so is a direct violation of federal law.

3. Continued Reporting to Credit Bureaus : Despite their failure to provide validation, XXXX XXXX XXXX continues to report this debt to the credit reporting agencies ( Experian, XXXX, and XXXX ), which is a violation of the FDCPA. Under the law, they are required to cease all collection and reporting activity until the debt has been properly validated. 

Impact on Me : Due to XXXX XXXX XXXX 's incorrect reporting and failure to provide proof of the debt, my credit score has been negatively impacted, and I am now facing unwarranted financial harm. I have been unable to resolve this matter through direct communication with the company, as they have repeatedly failed to provide any documentation or rectify their false reporting. 

Desired Resolution : I am requesting that the CFPB take action to : Investigate XXXXXXXX XXXX XXXX practices concerning this alleged debt. 
Instruct XXXX XXXX XXXX to cease reporting this inaccurate debt to the credit bureaus immediately. 
Require XXXX XXXX XXXX to provide delete all references to this account from my credit report. 
Impose any other corrective actions deemed necessary to ensure compliance with the FDCPA and FCRA. 

Attachments : I am attaching relevant documentation, including correspondence with XXXX XXXX XXXX, and credit report excerpts showing their false reporting. 

Thank you for your attention to this serious matter. I trust the CFPB will take appropriate action to address these violations and help resolve this issue. 

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

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Credit reporting

There is a late payment on my Experian credit report. It was removed and now has been reinserted on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian because they violated my rights under the FCRA 623 ( a ) ( 3 ) and the FDCPA 807 ( 8 ) by failing to enter Notice of Dispute and Failure to communicate that a disputed debt was disputed within 30 days ( which was required by XX/XX/XXXX ) of my first dispute letter ( attached ). I sent them a letter on XX/XX/XXXX, disputing account- XXXX XXXX XXXX, account # XXXX with proof of the inaccuracies and proof that XXXX and XXXX XXXX deleted the account due to the inaccuracies. I first sent them a XXXX XXXX Receipt dispute letter with proof of Signature on XX/XX/XXXX, and they received it on XX/XX/XXXX. They totally disregarded my letter and did NOT even investigate my dispute. 

I sent Experian a second letter of dispute on XX/XX/XXXX, and included the first dispute letter and XXXX XXXX XXXX proof from XX/XX/XXXX. They picked it up from the post office on XX/XX/XXXX. On XX/XX/XXXX, they sent me an automated email explaining their role in the dispute process that according to the FCRA. Again, they did not put it through dispute process, and they failed to enter a Notice of Dispute and failed to communicate that a disputed debt was disputed. 

After ignoring my first dispute letter and second dispute letter, I sent my third dispute letter on XX/XX/XXXX, explaining that they never responded to my first dispute letter and failed to enter a notice of dispute within 30 days and that the last update to this account was XX/XX/XXXX, I asked them to delete the account in dispute since they have violated FCRA 623 ( a ) ( 3 ). They finally responded on XX/XX/XXXX, with an email stating they were starting the dispute on XX/XX/XXXX. On XX/XX/XXXX, at XXXX, I received another automated email that the investigation was completed and the item remains. 

After all, three dispute letters, they still failed to enter Notice of Dispute and Failed to communicate that a disputed debt was disputed. They did not do a proper investigation any of my disputes. 

I received an automated email at XXXX on XX/XX/XXXX, with the results of the dispute that they did not complete. I would like Experian to delete this account from my credit report as they violated my rights.
Product: Checking or savings account

On XX/XX/XXXX my account was closed, they said due to security purposes. It was because I transferred {$4.00} from XXXX account to this account, it got reversed and then it repeated. That is no reason to close someone's account for {$4.00}.
Product: Debt collection

I writing because person opened fraudulent account under my name sofi credit card dont investigate my account still reporting account in my credit I need resolution soon posible because never opened account with company dont received information proof this debt with my signature
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well first off I never knew anything about this account until I received a bill in the mail. It has made my XXXX XXXX drop and I never even knew anything about it. And how is {$950.00} due on an account that had a {$750.00} limit? Someone has committed fraud against me. After I received the bill on account I knew nothing about some investigating had to be done. My research shows the supposed account was opened on XX/XX/2019. The reported balance was {$0.00} on XX/XX/2019. If an account is closed how is a payment made on it? Furthermore, why is a payment made when it is already paid off and has a {$0.00} balance due? This account was not mine but it has very negatively effected my life. Who can pay me back for the manhours investigating, punitive damages, defamation, emotional stress etc.? Something needs to be done and those liable should be responsible. Please see the attached images I have enclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiry on my credit report. Thus, these are suspicious and needs to be deleted asap. 

TRANS UNION, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX
Product: Checking or savings account

A new saving account was opened XXXX XX/XX/XXXX with the initial deposit of $ XXXX sent via XXXX on XXXX XX/XX/XXXX. The bank REFUSES to give me a reason why the account is restricted and will NOT let me have access to my money. I need to make a withdrawal to purchase a house next Wednesday, XXXX XX/XX/XXXX HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting of collection agency accounts by the credit bureaus. Specifically, I have discovered that multiple credit bureaus have reported a collections agency account that does not belong to me. Despite repeated attempts to rectify this issue, the inaccurate information remains on my credit report, which has adversely affected my financial standing and creditworthiness. 

I have diligently reviewed my credit reports from all three major credit bureaus, namely XXXX, XXXX, and TransUnion, and have identified the presence of a collections account from XXXX XXXX XXXXXXXX. The account in question allegedly pertains to an outstanding debt for which I have never received any notification or been served with a lawsuit. The reporting of this account is a clear violation of the Fair Credit Reporting Act, as it inaccurately represents my credit history. 

I have taken the necessary steps to dispute this error with the credit bureaus involved. I submitted detailed disputes outlining the inaccuracies, providing supporting documents, and emphasizing that I have no association with the collections agency or the alleged debt. However, despite my efforts, the credit bureaus have failed to remove the erroneous account from my credit report, resulting in significant harm to my financial well-being. 

I kindly request your intervention and assistance in resolving this matter promptly. I urge the Consumer Financial Protection Bureau to investigate the credit bureaus ' actions and ensure that they comply with the regulations outlined in the Fair Credit Reporting Act. I believe the credit bureaus have failed to fulfill their obligations to accurately report consumer information, which has had a detrimental impact on my creditworthiness and financial opportunities. 

Enclosed with this letter, you will find copies of my credit reports clearly displaying the inaccurate collections account, as well as the supporting documents that demonstrate my lack of involvement with the collections agency. Additionally, I have attached the correspondence exchanged with the credit bureaus, illustrating my attempts to resolve this matter directly with them. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX