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

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS.

ACCOUNTS : XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX Discharged BankruptcyChapterXXXX INQUIRIES : XXXX- XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX auto XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX inquiries on my credit report that I did not do.. I talk to the representative at XXXX XXXX told her that I spoke with these companies and they had no information about me ever applying I asked her to remove them and she told me that she couldnt do that..
Product: Debt collection

Hello CFPB, On XX/XX/2019 I received a mail from collection agency Retrieval-Masters Creditors Bureau , Inc. dated XX/XX/2019 notifying me that I owe {$24.00} to XXXX XXXX XXXX and I should send a check payable to XXXX XXXX. On XX/XX/XXXX ( a day after ) I received another letter dated XX/XX/2019 notifying me that they contacted me Several weeks ago and that I have neither paid the account nor contacted us to dispute the debt. Therefore, we must assume the debt is valid asking me to pay {$24.00} this time. 
I responded to them on XX/XX/XXXX saying that : " I do not have any responsibility for the debt youre trying to collect. If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. I have never ordered anything from that company. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. '' Yesterday on XX/XX/XXXX, I received another letter from Retrieval-Masters Creditors Bureau , Inc. dated XX/XX/2019 asking me again to send a check payable to XXXX XXXX XXXX. I believe that this is a harassment and it is against The Fair Debt Collection Practices Act ( FDCPA ). 

Best Regards, XXXX
Product: Debt collection

Many years ago, I contacted AT & T by phone, regarding a collection that appeared on my credit report. I asked the company to provide me with the following information below after advising the representative that I received a receipt of my returned equipment and closed account with no balance owed. The Company was asked to provide me with the list of documents below and the company never complied. 
( XXXX ) the name of the original creditor and the last four digits of the original account number ; ( XXXX ) the date of default or charge-off and the amount due at that time; ( XXXX ) the name of the current owner of the debt ; ( XXXX ) the total amount currently due on the debt ; Instead, the false charge in the amount of {$230.00} dollars to a collection company who continues to update a past debt from over several years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the fraud alert on my Experian credit report removed. I have requested that is be removed and have not had any success. I am including in this complaint all of the identification Experian says they require to remove a fraud alert. Items attached to this complaint are a copy of my photo ID, my social security card and proof of my address.
Product: Debt collection

Repeat calls from all different numbers & states. Calls are about every hour.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX  a title loan was taken out by me through TitleMax. Once we started signing the paperwork, we agreed on a monthly payment XXXX a month and would make and would be paid off in 6 months. What they dont tell you is that every month the loan is renewed and the XXXX dollars Ive paid the last 2 month equaling XXXX dollars hasnt paid on anything expect for the interest for that month.. it is never explained the loan is to be paid back in 30 days.. the lender never informs consumers if you dont pay more than the initial agreed amount the title loan will never be paid down or off..
Product: Consumer Loan

I paid off my car XX/XX/2015 and it shows up on my credit report as i have made no payments for the eight months i made payments or even paid it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting on my credit in error. They made the mistake and it was fixed so it Should be deleted. They're incorrectly reporting on accounts : # XXXX, # XXXX, # XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation 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 verified, the consumer reporting agency shall ( i ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Vehicle loan or lease

I was trying hard to get a part time job and I got it. I started to work yesterday. I called them Auto Advantage was rude and unforgiving. I had a few debts to pay and want to work. I paid {$240.00} the first of this month. I knew they have a program to pay your payment in 2 pay period I called them yesterday and they told me what they wanted ona letter from the employer. It was done and emailed to them. Then this woman told me it wasnt good enough. She said I had to get permission to do that and I could not. I get paid twice a month and I was so happy I could pa this in my first pay Check. They said no and if I dont come up with XXXX XXXXXXXXsoon and quick. I will lose it I also could lose my job. 

Please help. I dont want to put my job in jeopardy please.
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 USC 1681. 

XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXXXXXX XXXX, Account # 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 the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Reporting BRCLYGAP Account Dear Experian Dispute Department, I am writing to formally dispute inaccurate information appearing on my XXXX credit report in connection with the account listed as BRCLYGAP, last reported on XX/XX/year>, with a balance of {$490.00}. According to your records, this account has a credit limit of {$250.00}, which means it is reporting at 198 % utilization and includes a history of missed payments, misrepresenting the true status and damaging my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX is legally required to ensure maximum possible accuracy of the information it maintains. Furthermore, in Consumer Financial Protection Bureau v. Experian Information Solutions , Inc. ( Case No. 2:17-cv-00129, D. Kan., 2017 ) , XXXX was found to have violated these obligations, establishing a clear precedent regarding your duty to uphold data integrity and respond to consumer disputes thoroughly and promptly. 

I am formally requesting that you conduct a full reinvestigation of this account. If you are unable to verify the accuracy of the reported information through documentation from the original creditor, the item must be removed from my credit file in compliance with the FCRA. 

Failure to resolve this issue in a timely and satisfactory manner will result in me filing a complaint with the Consumer Financial Protection Bureau and pursuing all available legal remedies under federal law. 

Please provide written confirmation of the investigation outcome and an updated copy of my XXXX credit report reflecting the corrections. 

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

In XXXX, unfortunately I had no choice but to file for bankruptcy. All of my creditors were included in the filing including XXXX   XXXX XXXX XXXX. At the time I filed, I owed a principal balance and years of interest charges and late fees. Since the filing and discharge in XXXX, XXXX has continued to report the account negatively on the credit report and refuses to remove the debt from my Experian credit report. I have filed disputes through Experian that no one researches. The dispute is resolved each time by robotics within seconds of me hitting submit on the dispute. I really dont know what to do at this point. Please help. I filed chapter XXXX bankruptcy and was punished for my past credit mistakes but this account continues to unfairly be reported.
Product: Debt collection

XXXX XXXX continues to try to reach out to me to try and get me to pay this debt. 
I have repeatedly told them I am unable to pay this debt. That I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my funds are EXTREMELY limited due to court costs. 

I emailed them on XX/XX/XXXX, informing them that I would be able to pay a very small portion if they wanted to settle. Because I will be signing a plea deal soon and heading off to do my time.

After this email, I recieved a phone call on XX/XX/XXXX and reexplained the situation, but said I could not make the payment plan they were willing to offer and to please stop calling. 

On XX/XX/XXXX, a different associate reached out and I continued to tell him i was in a public place and couldnt talk but he kept pushing to get my info updated in the system etc etc. I was in public and could not discuss my debt/situation with my legal charges.

I again was offered a payment plan and explained, no i will not be able to pay this bc I will be in prison. and no I can not afford what they are requesting me to pay this off.

They called again on XX/XX/XXXX at XXXX XXXX exactly. They called that same day on XX/XX/XXXX at XXXX. 

They call from different phone numbers everytime, so I only know it is them if I answer or they leave a voicemail. 

XX/XX/XXXX, I had a call I am assuming was Spring Oaks at XXXX. 
And another that same day at XXXX XXXX. 

XX/XX/XXXX, I had a call from another random number at XXXX. 

They call from different area codes/phone numbers Not only that, I have requested via email a statement from XXXX XXXX so I can see the total amount that was owed when sold to collections. 

I do not have a final statment fro XXXX and can no longer sign into my account. From the emails I do have from XXXX my credit limit was no more than XXXX XXXX XXXX. So I do not understand the amount they are trying to collect from me. 

My XXXX account was set up with electronic statements only available through my account. 

I have received no breakdown/proof of the total of this debt and feel harassed. I have tried to explain that I can pay a small portion of the debt to settle before I go to XXXX
Product: Debt collection

Good evening im reaching out to you in regards to two debt letters that were sent to me from ARSTRAT reference # XXXX and # XXXX both times were i was driven to the hospital without my consent. Ive had XXXX for a little over a year which are minor and I know what to do when I have them as i always have my medication on me. As a full time medical student I cant afford to go into the ER and both times I have written to them stating I can pay about XXXX out of my part time job I have right now. It was very very much appreciated that they were able to send me back letters stating I only owe XXXX for each one but I don't have that type of money. I haven't had a XXXX since XXXX of XXXX which was a major accident and I've been going to XXXX XXXX for it since and staying on top of everyway to get better. At that time i wasnt getting any income because of covid, One of those in XX/XX/XXXX I was taken in because I had had a XXXX in my bathroom and my neighbor freaked out because she heard me grunting in the bathroom and called 911 and they again took me even though I let them know I was ok and refused to go but I obviously didnt let her know what was going on as I felt it wasn't anyone 's business to know i had previously had a XXXX. In the ER they didnt do anything beside wait for my dad to pick me up. I rejected going in because I knew I was ok. Im unable to pay {$1000.00} for both hopsital bills. the highest I can do with my income is XXXX for both. I was hoping we can settle it with paying that for both. I look forward to hearing from you. Thank you.
Product: Debt collection

This is regarding a collections attempt for a personal/consumer debt of approximately {$18000.00}. The collection agency is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. 

On XX/XX/19 my place of employment received a call from XXXX XXXX and spoke very aggressively with my business partner saying they were trying to serve me papers. He said if I didnt call him back they would send someone to my place of work tomorrow. He got his contact information and I promptly called back. I spoke with Mr. XXXX and asked him to remove my office/work number from the list. He then told me his client wanted to make an offer. I politely told him I wasnt in a position to make that decision yet. At that point he raised his voice and started to belittle and threaten me. I told him he could call me back tomorrow with my decision. He then hang up and called my office number again and spoke with my business partner and started to yell and belittle him also and go into detail about the debt that I owed, the settlement offer he gave and that he would start seizing my assets. After I had requested him to NOT call my office again. He then proceeded to call my phone again and again several times. I called him back and asked for his compliance department. He again started yelling and told me thats not going to happen. 

He went against several consumer collection protection laws according to the Fair Debt Collection Practices Act and Consumer Compliance Handbook : 1. A debt collector may not contact the consumer at his or her place of employment if the collector has reason to believe the employer prohibits such communications. 
( I had requested that Mr. XXXX not call my office/work number again. Within 5 minutes he called my place of work and went into detail about my debt with my business partner ) 2.  Communicating with Third Parties The only third parties that a debt collector may contact when trying to collect a debt are The consumer The consumers attorney A consumer reporting agency ( if permitted by local law ) The creditor The creditors attorney The debt collectors attorney ( Mr. XXXX told my business partner the specific details of my debt ) 3. A debt collector, in collecting a debt, may not harass, oppress, or abuse any person. Specifically, a debt collector may not Annoy, abuse, or harass persons by repeatedly calling their telephone number or allowing their telephone to ring continually. 
( I received 4 missed phone calls from Mr. XXXX in a 10 minute period from XXXX XXXX  MT XXXX XXXX  MT ) 4. Falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collecting the debt ( Mr. XXXX falsely told my business partner he needed to serve me papers, identified his business as XXXX XXXX XXXXXXXX and that he would have someone come by my office tomorrow to serve me papers, when no lawsuit has even been filed yet )
Product: Credit reporting or other personal consumer reports

In this carefully orchestrated dance of finance and privacy, my right not to have my-personal information unjustly shared, finds backing in 15 USC 6801 . The clause articulates that every financial institution, ( which, in this case, includes the Furnisher of information to credit agencies ), has an unyielding obligation to maintain the sanctity of their customers ' privacy and to shield their nonpublic personal information. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My identity was stolen a while back, I received a notification from XXXX that my info was on the dark web and I was also a victim of a date breach. I contacted Transunion multiple times over the past few months to get them removed and I also placed a credit freeze and was refused help but also rudely spoken to by some customer service representatives. They have tried to open various accounts, etc. I attached my FTC REPORT as well.. the inquiries and dates are listed below : 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 card

There are inaccurate late payment remarks on my file and I want it checked.
Product: Checking or savings account

In the 3+ years we've been with Axos bank XXXX they've randomly closed our debit cards, sometimes all of that at the same time, at least over a half dozen times. No explanation is ever given. The debit cards on are different accounts, and yet they still often cancel all cards. Their notes say we authorized to do that, yet we've NEVER authorized such action, and they refuse to give any information on who or when it was authorized. They also have sent replacement cards to wrong addresses, but won't tell us which address they used. The ones that have been sent to the correct address only show up sometime.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.