23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Lending point, somebody took a loan in my name to get XXXX XXXX XXXXXXXX. I was in a XXXX  XXXX case. The mother of the person involved took a loan in my name to get a XXXX XXXX XXXX. Its around {$7000.00} or more and the person needs to pay it not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus are incorrectly reporting 3 very specific things on my credit report that are incorrect and need to be removed immediately.  The following are the incorrect items and I am demanding that they be removed from my credit report.1. Collection account with a partial account number of XXXX for $XXXX this account is being reported incorrectly.  This account was paid off but you are still incorrectly reporting it.  I am demanding that you contact the original creditor which looks to be a medical collection and request validation on this debt.  If the original creditor is no longer paying you to report this information and they can not supply you with the original documentation then you are in violation of the FCRA and I will sue you for wrongfully reporting information against me which is $XXXX fine per violation.2. Collection account with a partial account number of XXXX  for $XXXX this account has the same historical reporting as the above account and I am demanding that it either meet all FCRA requirements or remove it immediately.  Each bureau is hereby requested to provide me with physical proof that these collections are in fact being reported correctly or remove them immediately.3. Bankruptcy:  Chapter XXXX discharged.  I contacted the US Bankruptcy court and asked them if they reported this information to the credit bureaus.  They told me that they do not report any information of this kind to the bureaus.  After further research it looks like a company called XXXX or XXXX XXXX  is the one that reported this information.    On my credit report you are saying that the US Bankruptcy court is the one that has reported this information and that is not true so therefore you are in violation of the FCRA by reporting false information regarding where you got this information.  Also XXXX is saying that it was a Federal Bankruptcy and that is not true so you are reporting incorrect information on all fronts and I am now demanding that you remove this Bankruptcy from my credit report along with the two adverse, incorrect collections that you are reporting.You are all in violation of the FCRA and I will pursue legal action if the 3 accounts listed are not removed by all 3 credit bureaus.
Product: Money transfer, virtual currency, or money service

I used a promotion from my Sears credit card ( CITI Band Mastercard ) for a balance transfer. The promotional letter was not clear that a fee would be charged. The promotion stated a 0.00 % promotional APR on transferred balances until XX/XX/2020. 

When I noticed a transfer fee of {$500.00} on my on line credit card statement on the {$10000.00} transfer. I called and said I would pay the amount transferred to avoid the fee but they refused to cancel the fee. Since the transaction was processed on XX/XX/XXXX and I called on XX/XX/XXXX and felt there would be no cost to them. 

Thanks you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$3600.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

My credit card issuer Elan Financial has a habit of sitting on ACH payments for a couple of days without placing a hold on the funds. This invariably generates fees because after a few days those unprotected funds can get demolished by automatic withdrawals. The XXXX customer service representative I spoke with on the phone told me that they really only do this once someone has a late fee or returned check fee in their history. I can not think of a better way to generate returned check fees then processing payments in this bizarre way. The lady on the phone couldn't either, but she still insisted that it wasn't a hustle. I've managed to get these fees returned in whole or in part in the past but I was informed today that I'm out of luck, will need to wait for a callback from a supervisor to dispute this charge.
Product: Debt collection

NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA, XXXX VALIDATION AND CEASE AND DESIST Collection agency name : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. 
I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB investigations of the wrong account. I will like XXXX award account not a student loan that was included in the bankruptcy in XXXX the account was open in XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

I use a service app that requires to use XXXX  for confirming credentials and linking accouts PNC will not allow app to verify info even when I the owner of the account is the one entering the credentials to grant access to my own account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Experian several times regarding this matter, refusal to update my personal information. Experian is holding my file under special maintenance I am not sure what this means. Under the Fair credit Reporting Act, 1681b and 1681d should be able to obtain credit reports and update my personal information. I have been unable to do so because of Experian holding file under special maintenance.

I have made this request several times via calling Experian over the last two months. There should only be one name and address on my credit reports. I am unable to obtain my credit reports because of Experian. Other credit bureaus have updated my information. In XX/XX/2022, I was told that my credit is being held by Experian " special maintenance '' department. This is one of Experians Department. I have no idea what this meant. The representative stated someone would be in touch to fix and correct this issue. No one reached out to me. The Issue has not been resolved.

I was denied health insurance because unable to verify identity with Experian. I was referred by XXXXXXXX XXXX to reach out to Experian. The representative told me he can not help me and referred me to Experian directly. After being referred directly to Experian I was told by the Experian representative to go to experian.com/upload my verifying documents. Upon uploading documents online, upload documents online failed and the site stated needed to mail in documents because of their error. 

As a result of Experian not updating my personal information, unable to obtain identification. I have been denied health insurance, denied access to XXXX, XXXX, XXXX, unable to obtain a bank account, unable to secure a job, obtain a replacement social security card, unable to remove my information from credit brokers such as XXXX XXXX, and unable to obtain my credit reports. I have mailed in documents, no credit reports, and no updated personal information. 

Under the Fair Credit Reporting, I have the right to update my information, access to my credit reports of which I have been denied these things because of Experian.
Product: Credit reporting

Equifax continues to report inaccurate information regarding XXXX XXXX XXXX XXXX XXXX XXXX Accounts with the account number beginning with # XXXX. XXXX on behalf of XXXX XXXX issued a letter stating that the status of the loans are inaccurate and were directing the credit agencies to remove the negative information from my files.
Product: Credit reporting or other personal consumer reports

The following hard inquiries were fraudulently placed on my credit file XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. 
Again I have never authorized these companies to conduct a hard pull on my credit report. I have already contacted each of these creditors, and they have confirmed that they have no record of any inquiry under my name. As per the FCRA Section XXXX, a consumer report may only be accessed with permissible purpose.
Product: Debt collection

On XX/XX/2022 XXXX XXXX XXXX contacted a relative of mine which is illegal regarding debt and telling them the amount i owe on it. it is said that they can not contact and tell anyone regarding this matter besides my spouse. I have also sent them a letter on XX/XX/2022 stating that to please to dispute the total amount owed on my account {$4300.00} and more. As well XXXX XXXX XXXX sent me a letter that said " if you write to us by XX/XX/2022 known as XX/XX/2022 we must stop collection on any amount you dispute until we send information that shows you owe the debt. However the credit card limit was {$4000.00} and I nearly have not spent that much money on it. 

In my first complaint I realized that I missed something and I could not edit or go back and edit this document. I nearly have not spent {$4000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX CA  XXXX XX/XX/2022 XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
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, the Bureau 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Waiting on removal of items that were already removed
Product: Debt collection

Dear spring oak capital LLC Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act 15 USC 1692 ( g ). This claim is being disputed and a debt validation is requested. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. I am merely exercising my right as a consumer. I would like to make note that the copy of the contract you provided never provided clear and conspicuous information in regard to my rights, my name nor is there any signatures provided. A contract should have two signatures. The documents provided does not bear any signatures. Where is the original application? In order to obtain any type of funding a person must complete a credit application. Where is the request for credit? 
However, I was never notified by Anyone that the contract has been in fact been sold to you. Please provide me with proof that I was made aware of the sale of the contract. I asked that you provide me with what was used to verify my identity. The documents provided are contradicting and confusing. They do not verify that this is my debt. Be advised that I have spoken to an attorney and they stated that Spring Oak Capital LLC is supposed to send a notarized document from the accounting department showing the accounting ledger. Yet I have never received such a document from this company. I am simple informing this company that this is not my debt and they refuse to investigate this matter and seems to be in violation of my rights. This is my last and final attempt to clear up this matter before I seek help from a judge. Please if you do the proper investigation you will find that this is not my debt.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2022 to XX/XX/2022 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

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 
First and Foremost : Per the aforementioned accounts, these debts have been charged off by these the original creditors, which means that the debts have been paid and are considered income. Since a Charge-Off is considered income, They MUST be removed as well. Income can not be reported on consumer credit files, according to IRS regulations as they are considered a certificate of indebtedness.

There are other violations that require removal of the items : 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L XXXX ( XXXX XXXX. XXXX ) which is law that backs the code, it contents are even stricter, as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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.

No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation. 
In closing I have never granted any of these companies written permission!!!!
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, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an installment collection account at, XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) on XX/XX/year>. 
These accounts have resulted in several fraudulent hard inquiries and hard collections appearing on my consumer XXXX credit report. I've attached a list of hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not open, made, or initiated by me. All the accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

There are 29 inquiries on my TransUnion report that I did not make I have been trying to get this taken care of for over a year my identity was stolen
Product: Debt collection

Certified Services is causing me injury by falsely reported a debt on my credit report that I do not owe. I never signed an agreement/contract with them or used their services. They are violating my right under the Fair Debt Collection Practices Act by providing misleading information by reporting account on my credit that I did not sign up for with them. They have two accounts on my credit that should be removed. I have tried going through the XXXX, however, they did not respond to the agency, which provides an example of their business practices.
Product: Debt collection

My information was used to obtain a loan from NetCredit without my knowledge. The money was deposited to an account in the name of XXXX XXXX. I spoke and it was agreed that I was not responsible for the loan and it showed a XXXX balance on my credit report. They didn't totally remove it because I didn't want to press charges because I didn't want to ruin the man 's future. The loan was recently sold to XXXX I informed XXXX of the circumstance and they said they didn't care. How can possibly owe a 3rd party for a debt that was forgiven by the original creditors with no signed application and I never received the funds?
Product: Credit reporting or other personal consumer reports

I got my credit report, and there was a lot of personal, inaccurate information. My name is XXXX XXXX XXXX, and my address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Delete everything else. 
I am an informed consumer and I know my rights Pursuant to the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 4 ) ), I am a federally protected consumer, and I have a right to privacy.