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 information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is 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 remove these files. 
XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00} ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled XXXX XXXX  XXXX Balance : {$620000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} ; XXXX XXXX XXXX Balance : {$5200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in Experian.com dated XXXX, and I found out that credit reporting agencies still indicate my dispute of information in my credit report. as required under Section 609 ( a ) ( XXXX ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX/XXXX XXXX Date opened XX/XX/2021 XXXX : {$1000.00}
Product: Credit card or prepaid card

MULTIPLE TIMES from XXXX I received pre approved credit card ads from creditkarma.com. XX/XX/XXXX and XX/XX/XXXX being the last times it has happened to me. Probably happened another XXXX or 3 times before this as well. So I end up not getting cards or the offer being way way less than said pre approved amount. XXXX This destroyed my credit with their lies. 
XXXX XXXX
Product: Checking or savings account

Good Day. I am writing in regards to my checking account ending in XXXX. I was charged XXXX overdraft fees totaling {$280.00} which I am unsure how that occurred. I called in to try and get an explanation and a very rude and condescending " manager '' by the name of XXXX did not want to take the time to explain that. XXXX wanted to focus on the fact that I use a service that you provide. My account is negative {$270.00} and I occurred {$280.00} in fees which if that didn't occur my account would be positive... I don't understand the overdraft forgiveness program because I made a deposit and I have a screenshot from XX/XX/XXXX stating that I did not need to make any additional deposits to cover my account for a forgiveness fee waiver yet I still received XXXX fees. I have a checking account, credit card, and personal loan which I have had and maintained perfect payments with US Bank. I feel disregarded, disrespected, for using a forgiveness service that you provide. I asked for a courtesy fee waiver of the XXXX overdrafts because I don't believe they should be charged and at the system told me I did not need to make a deposit. I was told by XXXX " the way you use the overdraft forgiveness I can't do anything for you in regards to overdrafts ''. Is using a service you provide frowned upon? I have referred people to do business with your bank and I intended to do additional business with your bank however if this is how customers are treated, no thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was notified by my credit card company, who monitors my credit score, that I had a > 120 day derogatory statement added to my report. I have excellent credit history and always pay all of my bills on time and in full. When I looked into the matter it was for this debt collection agency I had never heard of, I.C. Systems. When I went to their website I could only file inquiries if I had an account number with them but I do not have this as they have never contacted me. This debt collection is for a total of {$88.00}, the absolute lack of warning that this account was due at all, followed by the very significant overdue derogatory mark placed on my credit score and coupled with the incredibly small amount of debt owed is in my opinion poor company practices. 

At this time I have filed a dispute with the credit bureaus and will be mailing them a formal dispute letter this afternoon.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account Number : XXXX Item 's Subscriber Number : XXXX To Whom It May Concern, This letter is a response to the notices I received from your company and, more significantly, due to the inaccurate reporting to the Credit Bureaus. I want to make it clear that this is not a refusal to pay but a notice sent in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ), and other applicable consumer protection laws. I am requesting that the claim be disputed, and I am seeking validation. 
This is not a request for verification of the debt or proof of my mailing address. Instead, it is a request for validation pursuant to the FDCPA and any other relevant consumer protection laws. I am asking for competent evidence that I have any legal obligation to pay you. 
I request the following information : Clarification on the nature of the debt and the original creditor, XXXX XXXX 
An explanation and breakdown of how the alleged debt was calculated. 
Copies of any documents demonstrating my agreement to pay the alleged debt. 
Verification or a copy of any judgment if applicable. 
Proof that the Statute of Limitations has not expired on this account. 
Confirmation of your licensing to collect in the state of New York. 
Provide license numbers and the XXXX XXXX or XXXX of XXXX. 
I dispute this debt, and until such time as the requested information is provided, all collection activities must cease. 
Additionally, I would like to bring to your attention that if XXXX XXXX XXXX or any affiliated company reports invalidated information to any of the major Credit Bureaus XXXX XXXX, XXXX, or XXXX ), it may constitute a violation of both Federal and State Laws. Any negative mark found on my credit reports will prompt legal action against your company for the following : Violation of the Fair Credit Reporting Act ( FCRA ) Violation of the Fair Debt Collection Practices Act ( FDCPA ) Defamation of Character Furthermore, the listing of this debt may be considered double jeopardy, a potential violation of consumer protection laws. If this debt is indeed a duplicate or has been previously resolved, its re-reporting may lead to legal consequences. 
If XXXX XXXX XXXX fails to respond to this validation request within 30 days from the date of receipt, I request that all references to this account be deleted and completely removed from my credit report. A copy of such deletion request should be sent to me immediately. 
During this validation period, I also request that no telephone contact be made to my home or place of employment. All future communications must be in writing and sent to the address noted in this letter by XXXX. 
I trust that XXXX XXXX XXXX will ensure the accuracy of its records before any legal action becomes necessary. This letter is an attempt to correct my records, and any information obtained shall be used for that purpose. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is absurd. These debt collectors ( Resurgent/LVNV funding ) are using the default date as the date they bought the debt. The original default date of the account they bought was more than 7 years ago.
Product: Debt collection

I was in the XXXX XXXX and a XXXX XXXX was done. XXXX XXXX did not bill my insurance correctly. I called and even though this was their mistake, they reported this XXXX $ bill to a reporting company called PlusFour. I proceeded to contact Plusfour and was told even though this was not only an obvious mistake, it also falls under the federal no surprises act. Plus four informed me it would cost me {$300.00} for them to dispute this on my behalf. They are very fraudulent. They know this is a bogus charge but won't take it off my credit report unless I pay them to do so.
Product: Credit card or prepaid card

Dear Sir or Madam : I am writing because I need help to dispute a debit in the amount of {$4900.00} on my chase account. The debit was a fraudulent charge during my vacation at XXXX XXXX on XX/XX/XXXX at XXXX XXXX. While I went snorkeling into the ocean, criminals took advantage of my absence to go trough my belongings and using an electronic gadget scanned all my credit cards to later charge as much they could. 

facts : 1. I was not in possession of the debit card when the criminals charged the {$4900.00} on my account. 
2. I have lived in XXXX XXXX, XXXX since XXXX. Prior to that I lived in XXXX  as a member of the XXXX. 
This trip to XXXX XXXX is my first and I have NEVER been to XXXX. 
3. I have never done any transaction with the merchant by the name of : XXXX XXXX XXXX I have asked for a re-investigation of this transaction and I quickly received denials without any basis. 
It is very difficult to believe that a good investigation if any has been conducted on this case. On Chase letter dated XX/XX/XXXX, Chase investigators state that there are undisputed transactions with the same merchant location/Merchant ID for the past 12 Months that matches my spending pattern. I asked to share those details but they CAN NOT reproduce any. I believe there is a mechanism in place that automatically reponds without any investigation. 

The bank security system failed to generate any alarm e-mail or voice mail to ensure the safety and security of my money. Chase bank simply paid a large amount of cash to criminals from a third world country without absolutely any hesitation. 

I have pictures that places me snorkeling during the time of transaction, again no response. 
My wife, and two friends had also their credit cards stolen and charged by the same crimials. 
XXXX, XXXX XXXX XXXX XXXX and XXXX have conducted their investigations and found XXXX XXXX XXXX to be not only a fraudulent merchant but also a nonexistent merchant. Chase bank refuses to investigate. 

I am requesting that {$4900.00} related to the fraudulent transaction be credited to my chase account because Chase bank failed to detect and alert a fraud transaction.
Product: Money transfer, virtual currency, or money service

XX/XX/24 a money transfer {$50.00} was sent to me I received a text the money was in my account but Zelle flagged it as fraud and froze my account XX/XX/24 money was sent {$40.00} through Zelle and my account was on hold for a few days not reflecting the transfer
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion, XXXX, and XXXX regarding their failure to properly address the inaccuracies in my credit report despite my formal disputes. I initially sent dispute letters to each bureau on XX/XX/2024, outlining the inaccurate information being reported. As of today, more than 30 days have passed, and no sufficient verification has been provided. The inaccurate items remain on my credit report, which continues to harm my financial standing and well-being. 

Disputed Accounts : XXXX XXXX  ( Account Number : XXXX ) XXXX XXXX ( Account Number : XXXX ) XXXX  XXXX ( Account Number : XXXX ) XXXX XXXX  XXXX ( Account Number : XXXX ) XXXX  ( Account Number : XXXX ) ** In addition : XXXX is also reporting an unknown account ( Account Number : XXXX ), which does not belong to me and must be removed from my credit report. 
Despite my attempts to resolve these issues, I have not received the requested evidence verifying the accuracy of these accounts. As required by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, the credit reporting agencies must ensure maximum accuracy and reinvestigate disputed information in a timely manner.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered the following unauthorized inquires XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian CREDIT TECHNOLOGY Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX Banks and XXXX & XXXX XX/XX/XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX Mortgage Companies XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX, XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXXXXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX, XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX I did not apply for credit or authorize these companies to check my credit report. These inquires were made without my consent, in violation of the Fair Credit Reporting. I am requesting immediate removal of these fraudulent inquires from my credit reports.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX ONLINE INFORMATION SER XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ONLINE INFORMATION SER XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX , FL XXXX
Product: Student loan

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My students academic records and personally identifiable information for myself ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. In addition, there was a violation of the Privacy Act of XXXX wherein an assigned government employee knowingly and willfully disclosed my sensitive, personal information without my consent without proper notice and/or disclosing their existence. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 
In addition, the information of my relatives, whom I included in my application, was also breached by this unauthorized access to the data. I was also barred from access to the people that service my loans and access to my own records.
Product: Credit reporting or other personal consumer reports

My credit report includes hard inquiries I did not authorize, violating 15 USC 1681c-2. Please remove these errors as they damage my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see Theft Report. 
Note that I have mentioned this request is not made in error, it is not a misrepresentation nor did I receive any material goods as a result. 

The furnisher XXXX has refused to furnish requested information that is used in verifying these fraudulent accounts that I did not authorized. Attached are evidence that twice I have requested documents to no avail.
Product: Debt collection

I opened a account with XXXX XXXX XXXX on XX/XX/XXXX the car was illegally repossessed in XX/XX/XXXX. Santander charged off the account as a loss. However Santander was still reporting the original balance of the loan even though the car was sold at a auction. I never received a XXXX nor a bill of sale from the auctioning of the car. Santander sold the debt & states that they no longer have credentials to it & for me to contact the collection agency. However there is no listed collection agency for this debt AND Santander is still incorrectly reporting this debt.
Product: Credit reporting or other personal consumer reports

I have asked for the incorrect information to be corrected and a copy of the updated information. They have not removed the information yet and XXXX  updated copyies of reports. I provided the credit companies with my personal information and no change. All three credit companies : XXXX, XXXX, and Experian.