23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

'XXXX XXXX XXXX XXXX XXXX company issued my information to a debt collection agency for a debt I do not know about or owe. I have no outstanding business with them and I told them to investigate the transaction to see who was using my information to take things out in my name and they had agreed and told me to ignore the attempt to collect any money from me. 

Now they have sold my information to a debt collector who is harassing me for money that I do not owe. XXXX XXXX XXXX XXXX XXXX, was the name and telephone number I was given to call to find out why they are calling as XXXX XXXX XXXX XXXX claims they no longer have any information for me on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX about erroneous crit reporting practices and those accounts do not belong to me and this company is continuously reporting the erroneous account, which is causing a hardship for me, I can't gain certain employment or housing due to these circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have contacted Experian to correct my credit report. I sent them a certified letter requesting them to remove incorrect addresses from my credit report. They removed some of them, but several addresses that I do not live at are still showing on my report. I only have one address and I only want accurate information on my report. I am concerned that someone could gain access to my personal information if they tried to reach me at an address where I do not reside. 

I am simply requesting them to have only my accurate address on file and not any other addresses. 

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

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect NAME : XXXX XXXX XXXX 2. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following accounts were closed by me and should state that XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate and Verify This Debt The Original Creditor is Inaccurate US DEPT ED Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate and Verify This Debt The Original Creditor is Inaccurate XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I have received several call from the credit acceptance company saying we understand that there is a covid 19 but you still owe money so how are you going to pay. I explained someone told me that the natural disaster would be applied but I still keep receiving harrassing phone calls, I am curious as to how they do not have a strategy to help me out considering all the people affected by covid 19. I do want to pay my vehicle but I am struggling getting a job and the safety concern and XXXX do not help all lives matter and this company is confusing me with their contracdicting statements first I was told my vehicle would not be repossed and now they are telling me, REGARDLESS of the situation I owe money and there is a possiblity. I need to know know what is happening so a attorney can help me out. This is by far the most contracdicting statement I have heard from the call center of credit acceptance that keeps calling me. Please help I am sure I am not the only individual that this company is doing this to. Also when I finance the car I had a credit score of XXXX, I checked all three and can not find a credit score of XXXX that this company keeps stating that is how they financed the vehilce at almost 30 percent finance charge. And have failed to provide the credit score that helped them with that decision.
Product: Credit reporting or other personal consumer reports

A Checking Business account was opened without our consent at American Express on XX/XX/year>. We received a letter from Amex confirming the account. We contacted Amex immediately and reported it as fraudulent XX/XX/year>. The perpetrator opened a credit line simultaneously for {$15000.00} and transfer the funds to the Business Checking account. A couple of months later we received a notification that XXXX had posted a negative derogatory showing the account as delinquent. We contacted Amex immediately and we are in the process of getting rid of the fraud and clearing our Credit Report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts associated with my personal information, as I am a victim of the recent data breach that has affected numerous individuals. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX AT XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ), I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to my personal information. The breach has compromised my data, and I am concerned about the potential for identity theft and misuse of my information. Please find my details below for your reference : - Full Name : XXXX XXXX - Social Security Number : SS # : XXXX - Date of Birth : Date of Birth : XX/XX/XXXX - Current Address : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additionally, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tried to get to properly correct every address that is listed on there report as there are dozen improper addresses being reported that are damaging me directly on top XXXX cant even pull my credit file to examine being sent in my Passport n SSC verification as seems have something I cant even pull file online this needs assistance
Product: Credit card or prepaid card

My Citi Card credit card was fraudulently used to purchase what appears to be XXXX XXXX flight tickets, a purchase with XXXX, a purchase to XXXX XXXX XXXX DEDUCTIBLE, and a monthly XXXX Plus charge without my consent. The XXXX appears to be made from someone in XXXX XXXX. It is apparent to me that some foreigner must have gained access to my card number and made these purchases, as I have never been to XXXX nor the XXXX XXXX. The XXXX XXXX   purchases even show names of XXXX/XXXX MR. and XXXX/XXXX MR . I have no clue who these people are! There are even what appears to be credits showing on XX/XX/18 and XX/XX/18 from XXXX XXXX. From my own investigating it appears whomever got my credit card number may have used that XXXX   site to make these purchases. Citi Card seems to think I made these purchases, and I did not! They still have not even stopped the monthly charge from occurring on my statement each month with XXXX XXXX as I am still seeing it each month on my credit card statement after I told them I did not authorize this. Citi Card advertises that cardholders are protected against unauthorized charges and we have a 0 % liability on unauthorized charges. This is false advertisement! It appears to me that Citi Card supports the scammers instead of the cardholders. Their fraud protection is too loose, apparently. I reported the unauthorized charges as soon as I found them. I answered all of the investigators questions honestly but they closed the investigation and are making me pay for purchases that I did not make. I did not make these charges nor did I authorize any of them, and I should not be held responsible for paying them. 
XX/XX/18 XXXX XXXX XXXX XXXX PA {$170.00} XX/XX/18 XXXX XXXX XXXX XXXX   {$190.00} XX/XX/18 XXXX XXXX   XXXX XXXX {$77.00} XX/XX/18 XXXX XXXX XXXX {$150.00} XX/XX/18 XXXX XXXX XXXX NY {$4.00} XX/XX/18 XXXX XXXX XXXX NY {$4.00} XX/XX/XXXX XXXX XXXX XXXX NY {$4.00}
Product: Credit reporting or other personal consumer reports

I am writing to request the steps your company undertook during the investigation of the disputed items. Please provide a detailed explanation of how you arrived at these conclusions. Specifically, did you receive written notification from the company or was it a verbal confirmation? 

Additionally, I would like to know the address to which you sent the request or the phone number you used to contact them. Please refrain from sending a generalized response outlining typical investigation procedures. I am seeking a detailed accounts of how you obtained these particular responses. 

Below are the accounts that I am disputing : XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have attempted to remove the incorrect address and name from my credit reports so that my report reflects my correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one is reporting our transactions and experience, with the XXXX major credit reporting agencies. This is in violation with 15 US 1681A sec 2 exclusions ( ii ). I gave no consent to the disclosure of such private information.
Product: Student loan

The company was always calling me to make a payment. So when I finally thought I could pay it, I put it on a debit card. Then I realized that I could not pay for it or my family could not eat. I got an email that said the payment has been submitted and if I want to cancel the payment, call a certain number. I called it and there was nothing I could do about it. The payment came out already and now I am struggling to feed my XXXX kids.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be blocked and deleted : XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XXXX Remove XXXX  XXXX {$0.00} XXXX Remove XXXXXXXX XXXXk {$0.00} XXXX Remove XXXX XXXX {$0.00} XXXX Remove Capital XXXX {$0.00} XXXX Remove
Product: Money transfer, virtual currency, or money service

I am writing today to express concerns over years of using XXXX and having issues with disputes. This was highlighted to me today as I read how CFPB expressed many issues with XXXX. Despite years of using this service, as many personnel only use this money transferring services and working with my financial institutions to recover issues caused by the inconsistencies of the platform, I had been unsuccessful in reversing discrepancies. It is appreciated that the CFPB is looking deeper into this for all the people who have been impacted by the lack of accountability and transparency from many financial institutions that utilize XXXX for payment transfers
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$6700.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$6500.00} XXXX XXXX  Balance : {$6500.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

Why do you keep in reporting this fraudulent accounts in my credit report under TRANSUNION Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my request, It appears you are also abusing your power under the FCRA to escape a complete investigation. 

Here again is the fraudulent accounts that being reported : XXXX  account # XXXX bal is {$0.00} I'd like to request that you proceed with my original investigation request and send me the results within 15 days. As a result, I will legally and legitimately deny your " form letter, '' giving you only 15 days instead of 30.
Product: Credit card or prepaid card

I did not receive a statement in XX/XX/XXXX or XX/XX/XXXX. I was reported delinquent to the credit rating agencies, but never received a notice that an amount was due. Once informed that an amount ( {$630.00} ) was due, it was paid in full.
Product: Debt collection

On X/XX/16 an individual contacted myself stating he worked for student loan relief/Obama forgiveness program. Representative stated he worked with XXXX and that I was eligible for loan forgiveness. The individual knew the amount of federal loans I had at the time. He proceeded to tell me to electronically sign forms on my email, which included some sort of contract from manhattan beach venture LLC stating that they will start taking {$39.00} dollars amount out of my account per month for 48 months until the amount of {$1300.00} is paid off plus 17.99 % interest rate. He then stated my loans would be forgiven from there. He then requested a signature for XXXX XXXX  whom would be collecting the money monthly. Soon did I find out that this was a complete scam. The company does not in fact assist in loan forgiveness nor do they work for XXXX. I am stuck paying the monthly payment because I do not want my credit score to be effected by this fraudulent company. I have made numerous complaints. I am trying to shut this company down and get my money back. I do not want someone else to be scammed by this company.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The 3 Credit Bureaus are reporting inaccurate information on PORTFOLIO RC. Per FCRA, reporting must be 100 % correct or the information must be removed. XXXX this reporting by making a revision of the information provided. Modify and perform any corrections or delete the following accounts from my personal file : PORTFOLIO RC - XXXX Balance {$5300.00} ; PORTFOLIO RC XXXX XXXX Balance {$320.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Date opened XX/XX/2017 Balance {$150.00} XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXXL XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXX XXXX Date opened XX/XX/2017 Balance {$120.00}
Product: Checking or savings account

On XX/XX/2019 I logged in to my bank account and saw {$3200.00} in my son 's XXXX XXXX bank account. ( I can see his accounts too ) XXXX is XXXX XXXX XXXX with a Campus Plus checking account. I called the bank once I got home out of traffic and discovered that some deposited and check and took out the money by someone who walked in the bank in California. First, my son is XXXX XXXX XXXX and we live in Texas. He also has very little money so he doesn't check his account on a daily basis. The last transaction he made was on XX/XX/2019 and a XXXX XXXX gas station in which he used his debit card number and a pin. He didn't realize his card was lost until the XXXX when I had the bank on the phone. Which is not uncommon for XXXX, considering he is a recent high school graduate and has very little money. While on the phone with customer service, she was trying to reach out to the bank. We also discovered that someone used his checking account and did the same thing in California at another branch. As soon as I saw this I called and reported this. From the beginning they accused me and my son of being dishonest. We did not have anything to do with this. I called and followed up and was finally told after I went into a branch that they are holding him responsible for the 2 transaction. First he is a minor. This is some kind of major crime scheme and we should not be held responsible for bringing a victim. The only mistake he made was losing his card. My son is devasated and so am I. I have established accounts with the bank. I have a savings, checking, a loan and a IRA with the bank. We dont have any reason or purpose to try and do something like this. I had to close all my accounts today to avoid any fees in my account. I am very upset and feel personally attacked by my own bank. Again, we live in Texas and we have not been to California. My son nor I should be held responsible for this. Furthermore, they allowed the checks to be deposited and and withdrawn from a student account with {$8.00} in it and a savings account with XXXX in it. We filed a police report and plan to or consulting an attorney. My son is a victim of fraud and identity fraud. He is only XXXX XXXX XXXX and he has been distraught over this whole ordeal. I believe he is a victim of skimming. Since he used his pin they got it when he pumped his gas. He accidently left his card and they were able to use his information. Again XXXX is a young man heading to college. We are good citizens and are not involved in this. I am hoping to get this matter taken care of before XXXX leaves for school. I will not be held responsible and we will continue to fight this.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

1. On XX/XX/XXXX I applied for credit with Brand Source furniture co. and was approved, charged a table and chairs, and paid it off in a year. 
2, On XX/XX/XXXX someone charged some bedroom furniture to my account ( the amount is {$1100.00} ) I have no idea how they got the account no. ( first account ). I called customer service and they said it was fraud, I said yes close this account, but they didn't they sent me a another card ( second account ). The Brand Source security operations investigated and they said I am responsible and should pay the above amount. 
I called and a person named XXXX told me the address the furniture was delivered to and it's not my address. So I called Brand Source Security and told them this, so they asked me to send them a copy of my driver 's license and I did. But they never called or write to let me know they received it. 
3.They hired a collection agency XXXX XXXX  to try to make me pay for something I did not purchase. And oh, the letter XXXX  sent me has a different account no,, that's 3 account nos. and they never sent me this new card, I don't have it. So, this is very frustrating
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX IS IN VIOLATION OF ; Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Again they need prior written instruction of the individual to whom it relates.

Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974