23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

You guys did a charge back on my fraud and when i tried to call you guys about it. Everyone doesn't know what's going on and they kept transferring me to another person, I kept getting yell at and i'm tired of calling and speaking with you guys over the phone, during this time of pandemic it just show how much you guys hate other people still, i dont know what kind of training you guys have going on but it needs to stop!! the charge back was 4 of them on XX/XX/2021. If you guys can't help me or fix it then no body deserve to be apart of capital one. this company is turning to be more " XXXX 's '' I'll see how you guys handle this situation and see what right. If not i'll find a way to let everyone know about this.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. The fraudulent, inaccurate, and false information consists of the following accounts : XXXX XXXX  Account # : XXXX Balance : {$1700.00} Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX  Account # : XXXX Balance : {$1000.00} Opened : XX/XX/XXXX XXXX XXXX XXXX  Account # XXXX XXXX Balance : {$800.00} Opened : XX/XX/XXXX Additionally, the following XXXX  accounts are also fraudulent : Account # : XXXX - Balance : {$5500.00} Account # : XXXX - Balance : {$2300.00} Account # : XXXX - Balance : {$1100.00} Account # : XXXX Account # : XXXX - Balance : {$870.00} Account # : XXXX - Balance : {$2600.00} Account # : XXXX - Balance : {$870.00} Account # : XXXX - Balance : {$2600.00} Account # : XXXX - Balance : {$2600.00} Account # : XXXX - Balance : {$5000.00} Account # : XXXX - Balance : {$1300.00} Account # : XXXX - Balance : {$1300.00} Account # : XXXX - Balance : {$3800.00} Account # : XXXX - Balance : {$1500.00} Account # : XXXX Balance : {$2000.00} I do not recognize these accounts as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. I have also attached a copy of an Official Police Report and FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all the aforementioned accounts are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

STERN & STERN PC Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX NY, XXXX Hard inquiry by Stern & Stern above. I never gave this company consent to access my credit report.

I demand that hard inquiry to be removed from all 3 credit reporting agencies and {$1000.00} compensation for my rights being violated. IF Stern & Stern believes that they had my consent to pull my credit, I demand such signed documents to be produced.

Violations : 15 USC 6801 -- Protection of nonpublic personal information ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Product: Consumer Loan

I voluntary turned the car in XXXX, BB & T bank charged the account off. XXXX later, they are still reporting it currently deliquent.
Product: Credit reporting or other personal consumer reports

Re : Account # XXXX XXXX XXXX. Account Number - XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Debt collection

Hello Ive requested on several occasions XXXX  debts are validated from XXXX XXXX  and XXXX  or be removed for being falsely posted on my credit. They have all failed to validate the debt or remove the collections from my credit file. I sent two rounds of letters, once on XX/XX/ and also on XX/XX/ requesting the medical records be validated or removed and neither has been done. There are several medical records on my report that I need to be validated or removed, its about 11 collection accounts that need to be rectified.
Product: Debt collection

On XX/XX/XXXX sent a debt validation letter and nothing was sent back to me in return. Then sent another letter of no response from the debt validation on XX/XX/2021 and still have not received anything from the debtor. They are not in direct violation of the FCDPA and I demand removal of this debt being they are pass the validation timeframe and have not shown proof of the requested items for validation of these debts. Attached are the letters that was sent for validation no response.
Product: Credit reporting or other personal consumer reports

This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Collection Agency Name : XXXX Account Number : XXXX Collection Agency Name : XXXX XXXX XXXX  Account Number : XXXX Collection Agency Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Collection Agency Name : XXXX XXXX XXXX  Account Number : XXXX Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.

1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian, XXXX and XXXX 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputingl.

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect Experian, XXXX and XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed [ Enclosures : Copy of ID, Proof of Address, Supporting Documents ]
Product: Debt collection

I filed a Multiple previous Disputes with XXXX and the CFPB over this. 
The man on the phone with Vance Huffmann LLC was extremely abusive and threatening he kept talking over me and kept trying to pump me for more of my private and confidential information because they don't have it. I was threatened with a attorney and hung up.

I have requested repeatedly from both the CFPB and Vance Huffmann LLC/Debit collector for the " Original Wet Docs. with my Wet signature '' and " the Debit Validation '' from them proofing they have the right to collect on a debit, and I want the The XXXX with the original Creditor, and that Vance Huffmann LLC is licensed for business in the state of Alaska where I live to do business in my state. 

This debit was illegally purchased without my authorization if its even mine seeing as how I cant get any documentation on it, and it was already written off from the Original Creditor in their XXXX they filed with the IRS for their tax return '' So this is an illegal attempt to collect on a debit that the original Debtor filed a XXXX, that is IRS FRAUD and then they illegally sold it to a bill collector. 

Please remove this immediately from account as it is FRAUD. 
I do not acknowledge this bill until someone can show me documentation that this is actually my bill and that the original creditors filed a XXXX and then illegally and fraudulently sold the debit to a bill collect. 

If they say something different please have them furnish the proof that I have requested repeatedly regarding this illegal transfer of debit, I need the original Purchase agreement, XXXX XXXX XXXX XXXX XXXX, THE XXXX Documents ' from the original creditor with the wet docs with wet signature, status of limitations, the last payments missed on the account and the XXXX by the original debtor. 

And now this bill collector is trying to illegally collect on something that was already filed by the original Debtor and claimed through the IRS on his XXXX C. 

If the documents can not be produced and sent to me for confirmation or dispute. 
Than this has to be deleted off my credit report as its fraudulently posted to my account.
Product: Debt collection

I have been using XXXX XXXX XXXX for many years for my wireless service and internet in the past at previous home. I was recently trying to add internet service to a new apartment I will be moving into soon. XXXX XXXX XXXX told me I couldnt get that service because there is an unpaid balance of {$400.00} for a XXXX XXXX XXXX XXXX tv bundle that Ive never had. After speaking to multiple representatives, I discovered that someone created an account in their name but under my social security number and they did give me that account number. Because they have an unpaid balance that has now went to collections, Im taking a hit on my credit because they used my social security number without my knowledge or permission. I have spoken to XXXX XXXX XXXX fraud department and they told me its not considered fraud since its my social security number even though I did not give permission for this person to use it nor did I know until I tried to add a service and couldnt. XXXX XXXX XXXX has continually transferred me to numbers that do not work and refuse to help me or remove the {$400.00} from my name and Im concerned with what else this person could do with my social number. XXXX XXXX XXXX has told me they cant do anything since its already in collections and that account has now been closed.
Product: Debt collection

I received a letter from this collection company Contract Callers, who illegally accessed my credit report prior to this letter. The amount in question is due to effects of the pandemic and the company they represent kept my security deposit. Why isnt this amount from the original company paid off? 

I have never heard from this collection company and the wording in their letter suggests my credit will be affected if I dont pay. Im still trying to recover from the pandemic and would appreciate if they do not access my credit without my consent or send threatening mail to my family members home address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Experian credit profile and I noticed there is are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX UNIT XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX needs to be deleted. 


Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Product: Credit reporting or other personal consumer reports

I disputed my credit report, also called to get aliases that are on my credit report off and they seem to not fix the issues. Theres quite a few things wrong on my credit report and experian does not follow through to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would greatly appreciate these items being removed immediately from my credit reports as these items are inaccurate anI noticed these fraudulent inquiries on my XXXX and XXXX credit reports and I've disputed them several times with the companies and XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. Hard Inquiry Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Factual Data XX/XX/XXXX Factual Data XX/XX/XXXX XXXX/XXXX XXXX do not belong to me. Thank you.
Product: Debt collection

I found out the person who borrowed money for auto loan was not me. 
In the document, the address was not mine when the person who used my name and SSN. I am pretty sure the XXXXXXXX XXXX does not have a copy of my driver 's license. The address on the document was not mine. The XXXX XXXX must have a copy of the deiver 's license of the person who used my name and my SSN. Worstly, the vice president of operation in the XXXXXXXX XXXX, her name is XXXX, she did not check names ( on the driver 's license and SSN 's ) accurately and sighned on the paper. 
XXXX XXXX must send me the copy of driver 's license as a proof that the person is myself if they believe the person is myself. However, I am 100 % sure they do not have a copy of my driver 's license.
Product: Credit reporting or other personal consumer reports

I submitted a letters asking for a complete investigation into the accounts on my credit profile. I am a victim of Identity theft. I have sent my Identity theft report and affidavit in several times and the credit bureaus are not following the law. The accounts were placed on my account fraudulent, I also asked for an update of my personal information due to fraudulent information making it hard for me to pass identity questionnaires.

I submitted 15.US Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information.as well as a debt validation which included ; explanation of account A copy of state license, license # Documentation stating I agreed to pay this debt with my signature and documentation stating I gave permission to use my information.

Original Promissory Note ChIn of custody for account Master bill of sale
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 USC 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 US.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER ACCOUNT DATE OPENED. 

XXXX XXXX XXXX XXXX XX/XX/year> As required by 15 USC 1601c-2, please block this fraudulent information from my credit report Immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent Information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mina, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report the following inquires does not belong to me or wasn't authorized by me. 
XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After doing several disputes with Experian, and XXXX  I am still not getting the investigation that I asked for. By the credit bureaus not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all of the Bureaus and the Creditor asking for validation. The information was completely ignored from creditor XXXX. Both Experian and XXXX failed to do an investigation before reporting false information. XXXX failed to respond several letters. The Reporting address on file is not and never was my permanent address XXXX XXXX XXXX XXXX XXXX Kentucky XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CISS LLC Inquiry Date XX/XX/2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Product: Credit reporting or other personal consumer reports

Hi, hope all is well! My name is XXXX XXXX and I write to dispute certain information in my file resulting from items that i did not consent to authorize nor benefit from. Please REMOVE this information no more than 15 days after receiving this request as required from the law in the FCRA. 

The following accounts : Account : XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/2022 ACCOUNT TYPE : AUTO LOAN Inquiries : XXXX XXXX XXXX XXXX DATE OF INQUIRIES : XX/XX/2022, XX/XX/2022 and XX/XX/2022 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Failure to comply to request 15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In generalAny person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. These accounts should not be furnished on my consumer report as they are in VIOLATION. I am a victim of identity theft, it has been 30 days and you are in violation off this law! Please delete these items immediately. 
Under, 15 U.S Code 1681b In addition, XXXX, XXXX and Experian are suppose to report everying 100 % the same and correctly. Please delete this inaccurate information off of my credit report. 

Sincerely, XXXX XXXX Enclosures : Proof of identity, Identity Theft report
Product: Student loan

I was recently diagnosed with XXXX XXXX XXXX XXXX. I'm XXXX years old and have significant student loan debt. I am unable to work full time during my treatment for the next upcoming year. I learned about a law that passed on XX/XX/2018 which grants a deferment to borrowers receiving XXXX treatment. During this deferment, you do not need to make payments and interest does not accrue. I have made several attempts to contact my loan servicer Great Lakes to request this deferment. Each time I have contacted them I have been told that the US Dept of Education is responsible for creating the forms to grant the deferment. I have now contacted the US Dept of Education multiple times and have been greeted with inconsiderate and unknowledgeable representatives who transfer me continuously without getting anywhere. Today I spent an hour on the phone and finally spoke to a supervisor who informed me she never heard of the XXXX deferment. I made her XXXX  the law so she became aware. She advised that the Dept of Education does not need to draft the forms and that Great Lakes should be able to provide me with the appropriate forms. Great Lakes denies this and referred me back to the Dept of Education. 
I need assistance with getting this deferment immediately and no one at either my loan servicer or the Dept of Education will help me.