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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX  - Account Number : XXXX - XXXX  XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX - XXXX - Account Number : XXXX
Product: Credit card

Spoke to representative ( XXXX  ) from the company Sezzle who stated that my account was sold to a company called XXXX XXXX. According to the fcra this a violation of my consumer rights due to sensitive information being shared to a agency without my consent! 
I never received notification from Sezzle stating the account was charged off or sold to a third party collection company. 
I called XXXX XXXX  and spoke to representative XXXX ( ID # XXXX ) and was informed that the debt was not sold to them! ) When I spoke to Sezzle rep ( XXXX  ) he would not allow me to speak to management and refused to answer all of my questions about the matter!
Product: Credit reporting or other personal consumer reports

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : 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 It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I Original creditor XXXX, I have no knowledge of this " original '' creditor XXXX. I have no knowledge of this account
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My information along with ID was linked to the dark web and inquired was made falsely in my name
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX for egregious violations of the Fair Credit Reporting Act ( FCRA ), which have caused severe personal, financial, and emotional harm. XXXX reckless disregard for federal law has resulted in devastating consequences, including housing instability, financial hardship, and a significant decline in my health as a XXXX  veteran. 

XXXX has repeatedly and knowingly reported false and unverified debts from XXXX and RentDebt on my credit report. Despite RentDebt explicitly returning the debt as unvalidated, XXXX continued to report this inaccurate information without proper verification. This blatant violation of FCRA requirements has had catastrophic effects on my life. 

The consequences of XXXX negligence are profound. Their false reporting was used to justify an illegal eviction, which directly resulted in my homelessness. As a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, the stress and instability caused by this situation have exacerbated my health conditions, making it increasingly difficult to manage my daily life. Furthermore, the unauthorized debt has severely damaged my credit score, creating insurmountable barriers to securing stable housing, employment, and other critical financial opportunities. 

When I disputed these inaccurate entries, XXXX failed to conduct a proper investigation as mandated by FCRA ( 15 U.S.C. 1681i ). Their actions constitute multiple violations of federal law, including : 1. Failure to ensure accuracy in credit reporting ( 15 U.S.C. 1681s-2 ( a ) ) 2. Inadequate investigation of disputes ( 15 U.S.C. 1681s-2 ( b ) ) 3. Continued reporting of disputed information without verification ( 15 U.S.C. 1681i ) To rectify this situation, I respectfully request the following : 1. Immediate removal of all unverified and inaccurate debts from my credit file. 

XXXX. Statutory and punitive damages for XXXX  willful noncompliance with FCRA requirements and the harm caused by their actions. 

XXXX. Written confirmation that my credit record has been corrected and is fully compliant with FCRA standards. 

Given the irreparable harm I have endured including homelessness, financial ruin, and a decline in my physical and mental healthI urge the CFPB to take immediate action to hold XXXX accountable and enforce compliance with federal law. Your prompt attention to this matter is critical to preventing further damage and ensuring justice is served. 

Thank you for your time and assistance. I look forward to your swift response. 

Thank You
Product: Consumer Loan

I sent a wriiten letter to the corporate office of 1st financial loan asking them not to contact me because they were calling three to four times a day six days a week. They continue to call me from different phone numbers some just hang up oncethe call gets answered by my voicemail. Today on XXXX/XXXX/2016 I received a call from XXXX which left a voicemail saying it was from corporate office asking me to call them about some appointment that I never made.
Product: Credit card or prepaid card

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, my credit card has been used up to the limits and none of the transactions were made by me. During those days, I was working and I have my schedule picture. The credit card company denied my claim saying I used it myself since the card was not reported as stolen or lost. I have the card with me in my wallet so why would I tell them its been lost or stolen? I did not realize about those transactions as I dont use my card very often. I called during my work day for almost 3 days talking with different persons, all they wanted is to make me pay the money. Claim investigators didnt talk nicely and properly as they yelling at me for explaining about the situation. I work with {$14.00} one hour how can I use my credit limit on the same day??
Product: Debt collection

My family sent my drivers license through US POSTAL SERVICE and my drivers license was never received. I after not receiving my drivers license I am now receiving a debt collection letter from a debt collection agency. I contacted the debt collection agency Lippman Recupero and they stated that I had booked a hotel room in XXXX XXXX and did not pay for the hotel room and as a result the debt was sent from the hotel to the debt collector.
Product: Credit reporting or other personal consumer reports

This complaint has been filed to request pursuant to FCRA 605B 15 U.S. Code 1681c-2, that you Equifax reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint.In, accordance with the Fair Credit Reporting Act Equifax information Services LLC has violated my rights. Inaccurate reporting 15 USC 1681. Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency ( Equifax ) can not furnish an account without my written instruction of permission. 15 USC 1666B. Also, as a consumer per 15 US code 1681n : Civil liability for willful noncompliance. In case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater. I have 222 companies who have violated my rights that Equifax has reported on my credit report. 1 hard inquiry by Department of COMM F XX/XX/XXXX i did not consent nor authorize Equifax or this company to run my credit or use my social security number. I would like to be reimbursed {$1000.00} per violation. Equifax and the corresponding accounts reported are also in violation of 15 US Code 1681c-2 Block of information resulting from identity theft. These accounts are all related to identity theft i have provided the necessary documentation under this law and the accounts still remain on my report I do not recognize these fraud accounts on my report. 
These are the fraud accounts from Identity theft, XXXX XXXX XXXX XXXX {$14000.00} opened XX/XX/XXXX, XXXX XXXX XXXX {$1000.00} opened XX/XX/XXXX, XXXX XXXX XXXX XXXX {$620.00} opened XX/XX/XXXX, XXXX XXXX XXXX XXXX credit card {$24000.00} opened XX/XX/XXXX, XXXX  XXXX XXXX {$640.00} opened XX/XX/XXXX, XXXX card service {$2100.00} opened on XX/XX/XXXX, XXXX XXXX  {$910.00} opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX auto loan {$28000.00} opened on XX/XX/XXXX I have attached the fraud inquiries below XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax Mortgage SER XX/XX/XXXX XXXX XX/XX/XXXX Equifax Mortgage Ser XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These addresses below are fraud and need to be deleted. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX Tx XXXX These employers are fraud and need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached my FTC Affidavit report, as well as my Id showing my address on file and that the addresses I provided in this complaint or not mailable and are fraud, i have also attached my demand letter showing telling XXXX how they have violated my rights, privacy, and this information should be deleted from my credit report ASAP I have also attached screenshots of Equifax reporting these fraud accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX PM The following accounts are reporting non compliantly on my credit report and should be removed immediately as per FCRA. Supporting documentation is attached.
Product: Credit reporting or other personal consumer reports

I have never received a document or provided any information from this company that I did business, signed a contract, or a call or email or anything physical document in the mail.
Product: Checking or savings account

I realized the morning of XX/XX/2024 that a payment for {$3200.00} had been initiated out of my checking account to a XXXX XXXX XXXX account # ending in XXXX, XXXX Address is XXXX XXXX XXXX XXXX XXXX, IL XXXX in the name of XXXX XXXX. 

I did not set up nor authorize this payment. I immediately went to my local Wells Fargo and requested that this payment be stopped and a fraud investigation be started. Wells Fargo advised me that the payment was pending and that they could not do anything until it posted. The next day, the payment posted. I asked Wells Fargo again to stop the payment and investigate it. On XX/XX/2024 Wells Fargo sent me a letter telling me that they would not investigate the matter farther, that I had in fact initiated the payment. I then went back to Wells Fargo and asked about the transaction. They told me that it was indeed initiated by me from my " location ''. I asked what location that was and they said " my location '' and they were not going to investigate it any farther. The Wells Fargo employee also told me that they were not going to contact XXXX, nor were they going to assist me any farther. The employee at Wells Fargo that I have been dealing with is XXXX XXXX at the Wells Fargo, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I did not authorize nor request this payment to be made. As a result of this theft, I have not been able to pay my own personal bills and this has left me with a financial hardship. 

Wells Fargo close my account and issued a new checking account. The old account number is XXXX. I do have a new account number now. 

I have filed a Fraud/theft police case number XXXX with the XXXX XXXX Police Department XXXX XXXX, Records XXXX, Detectives XXXX. 

Even after filing the police report, Wells Fargo has said that they will not assist me in recovering my money.
Product: Debt collection

I had a repeat visit to my dentist as a result of an error made by their staff. At that time, XX/XX/19, I was told by the dentist that there was " no charge ''. Approximately 4 months later I received a bill for {$49.00} for that visit. I attempted to dispute multiple times and I have disputed with debt collector. The most recent debt collector JJ Marshall & Assosciates is now attempting to collect {$85.00} rather than the original {$49.00} billed amount. I was told there was no charge, then was billed {$49.00}, now I am being charged {$85.00}. This is not a valid debt.
Product: Credit card

I made an in store purchase at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, for {$4100.00} on a XXXX month financing plan. I was told if I made the total {$5000.00} that I could get a XXXX month 0 % financing plan. On XX/XX/XXXX, I made an additional purchase for {$2100.00} that was put on a XXXX month plan. The store clerk then backed both transactions out on XX/XX/XXXX, and combined them into XXXX purchase for a total of {$6300.00} and a XXXX month 0 % interest plan ( page XXXX ). This was all reflected in my store receipts and the XX/XX/XXXX, XXXX Charge statement. The statement clearly shows the XXXX transactions and XXXX month payment plans are backed out and all recharged under XXXX total for XXXX months financing ( circled in green ). To synopsize, recently I discovered that the XXXX XXXX month plans were still intact ( and expiring NOW ) but not the 24 month plan. XXXX provided all the receipt 's so pass to Comenity bank reflecting the transactions. The supervisor at the bank could see it all lines up and wasn't sure why the new plan wasn't reflected. I looked at my XXXX bank statement ( page XXXX ) and it shows me owing on the XXXX months plans but a credit of {$6300.00} on the XXXX month plan. I appears the bank backed out/ credited the wrong transaction. They said the only way to change is a dispute so I did that and it was rejected as it was more than 90 days past the transaction date. THE STATEMENT SAID XXXX MONTH FINANCING. This current statement, since XXXX plan expired on XX/XX/XXXX Ive now been charged {$690.00} in interest, at a rate of 36 %, off the first plan!! The second plan expires XX/XX/XXXX!! The Comenity bank supervisor said she sees errors in billing all the time when backed out transactions are involved. The bank needs to FIX THIS or their software!! Additionally, I got disconnected I don't know how many times ( at least XXXX ) in the last XXXX days, let alone the during the original inquiries. There overseas trunk lines are insufficient. Please coordinate with XXXX and Comenity. Originally Comenity said XXXX has to put a certain code in to trigger the XXXX  month plan, ,THERE ARE CODES... they are on the in store Arhaus purchase statements and the BANK statement as well!! Additionally I lost my XXXX reward points when the original charges were backed out. PLEASE HELP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter on XX/XX/2021, via certified mail, requesting that the XXXX XXXX XXXX account be deleted from my Equifax credit report. On XX/XX/2021, I checked online to see the status of my dispute and wasn't able to locate it. I called Equifax that same day, and they told me that the XXXX XXXX XXXX  account wasn't deleted. I was never notified of the status of the dispute, and I not able to attain any information on this dispute online. I am still asking that this account be deleted from my credit report since it was never verified. Also, this account is reporting late payments, and the account is closed. This is a violation, and I'm asking for this account to be deleted, NOT updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX Balance Owed : {$810.00}, XXXX CARD XXXX Balance Owed : {$6000.00}, XXXX  XXXX XXXX Balance Owed : {$450.00}, XXXX XXXX Balance XXXX : {$110.00}, XXXX XXXX Balance Owed : {$46.00}, XXXX XXXX XXXX Balance Owed : {$1200.00}, XXXX XXXX XXXX XXXX Balance Owed : {$36000.00}, XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Balance Owed : {$3400.00}, XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 16 different student loans that are appearing on my credit report I have tried reaching out to the bureaus and the furnisher because they are not mine and it is affecting my credit very badly. I have opened an FTC for these and been sending out letters since XX/XX/XXXX with no avail. There are also 7 inquiries total on my credit that are not mine and i have also reached out for these too and nothing has happened and no one has gotten back to me on this. 

Account Name : DPT ED/XX/XX/XXXX Account Number : XXXX Account Name : DPT ED/XX/XX/XXXXI Account Number : XXXX Account Name : DPT ED/XX/XX/XXXX Account Number : XXXX Account Name : DPT ED/XX/XX/XXXX Account Number : XXXX Account Name : DPT ED/XX/XX/XXXX Account Number : XXXX Account Name : DPT ED/XX/XX/XXXXI Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : DPT ED/XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name :XX/XX/XXXXAccount Number : XXXX Account Name : DEPT OF EDXX/XX/XXXX Account Number : XXXX Account Name : DEPT OF ED/XX/XX/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPT OF ED/XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : DEPT OF ED/XX/XX/XXXX Account Number : XXXX INQUIRIES Creditor Name : XXXX XXXX XXXX XX/XX/XXXXInquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the following letter to the credit bureaus regarding unauthorized inquiries in my credit profile. 


Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
Equifax : 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 I also XXXX  you XXXX ( XXXX, Equifax, XXXX ) to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
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 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX NJ Best Regards, XXXX. XXXX
Product: Credit reporting or other personal consumer reports

Recenty. I did an investigation on my credit report and found several items on there to be inaccurate Under 15 US. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. & shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( S ) Treatment of inaccurate or unverifiable information ( A ) in general If, after any reinvestigason under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verfied, the consumer reporting agency shall ( 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 promptly notify the fumisher of that information that the information has been modified or deleted from the file of the consumer Please remove the following items from my credt report, immediately. 

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

I sent XXXX proof XX/XX/XXXX. That my XXXX account was not late XX/XX/XXXX. And they didnt correct the information