23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am writing to formally request your assistance in removing fraudulent accounts from my credit report that were opened and/or incurred as a result of my experience as a victim of XXXX XXXX. During the time I was under duress, I had no control over my personal information, including my financial records. Several accounts were fraudulently opened and misused without my consent, leading to significant harm to my credit profile. This request was sent to the credit agencies and they have failed to honor my request which is a direct violation of 15 U.S.C. 1681c3.

The attached documentation provides evidence of my situation and supports my request for the removal of these accounts in accordance with the protections offered to XXXX XXXX XXXX  under the XXXX XXXX Survivors Relief Act and the Debt Bondage Repair Act. These laws empower survivors to repair their financial standing by allowing the removal of adverse credit information directly linked to their exploitation. 

The following accounts are directly associated with my XXXX  situation and require removal : 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 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 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 Attached Documentation : XXXX. A self-attestation letter outlining my experience and detailing the impact on my financial situation. 
XXXX. A letter from XXXXXXXX XXXX XXXX confirming my involvement in a XXXX  situation and supporting my claims. 

The Debt Bondage Repair Act provides explicit guidance and rights for survivors of XXXX  to remove fraudulent debts and credit entries resulting from their exploitation. Under these provisions, I respectfully request the removal of these accounts, and any adverse credit information associated with them from my credit file. 

This action is vital for my financial recovery and ensures that my credit report reflects my current and accurate financial circumstances. Please let me know if additional information is required to process my request. I deeply appreciate your support in resolving this matter and look forward to your response. 

Thank you for your attention and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am forced to file a second complaint against my bank, " CHASE, as they took no action to help resolve and rectify the issue with my first complaint. On XX/XX/2024, I withdrew XXXX XXXX pesos, equivalent to {$440.00}, from an ATM outside the country ( XXXX ) located at the airport. I quickly discovered multiple bills were counterfeit and went into the bank in XXXX. They verified that multiple bills were counterfeit and advised me that I would need to contact my bank in the United States for reimbursement since it would be charged to my debit card. The bank filled out some paperwork, and I left. Upon my arrival in the United States, I went into Chase Private Client Bank, located at XXXX XXXX XXXX, XXXX, FL. XXXX. They filled out paperwork, took some of the currency, and filed a claim. After several months, Chase and the bank in XXXX blame each other, and the only victim is me, the customer. I was charged for funds that I didnt get. Chase needs to dispute the money with the other bank, or at the very least, it needs to have insurance to protect its customers. I am looking for credit for the funds that were counterfeit. ( Claim XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but, how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date reported is inaccurate.this is grounds for removal. They also violate my rights under 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 : states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I did not receive proper noitification of debt. 

I request a certified receipt with my signature on it that i shoulkd have received. 

I HAVE NEVER RECEIVED A DEBT VALIDATION LETTER.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX 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 a XXXX, XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$790.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$600.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$420.00}, radius global solution Account # XXXX date opened XX/XX/XXXX Bal. {$210.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

On XX/XX/2021, my husband and I applied for joint credit with Synchrony Bank for an Ashley Home Furniture store credit card. I received a letter ( XX/XX/2021 ) in the mail to contact Synchrony Bank regarding my application. I called the number listed on the letter and was directed to XXXX and follow the prompts which included capturing image of my face and copy of my drivers license. After this was completed I called Synchrony Bank again and after being on hold for approximately 15 minutes. When agent came back on the line I was told my application was declined and to expect a letter detailing the reasons why my application could not be approved to be mailed within 7-10 business days. I did not receive a letter, however, I received an email communication from Synchrony Bank which included a link to unspecified document. I was unable to open the document and contacted the Bank to request assistance. The agent was unable to resolve my inquiry, and after asking the if the document was a Notice of Adverse Action, I was again told I will receive a letter in the mail within 7-10 business days. On XX/XX/2021 I again called Synchrony Bank to inquire why I had not received my Notice of Adverse Action ( my husband received a Notice of Adverse Action stating he was declined based on my information ). After a lengthy hold the agent finally came back on the line to inform a copy of the Adverse Action was requested and I should expect to receive within 7-10 business days. I have yet to receive the regulatory required notification. All I want is a copy of the letter with my decline reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some errors on my credit report that I already tried to fix. I sent letters to all 3 credit bureaus in XX/XX/2019 regarding several accounts that should not be on my report. I sent the letters certified mail and received the confirmation receipts. It has been over 90 days and I have not seen any changes on my report despite the fact that I followed the exact instructions on the FTC website. 

Attached you will find the exact letters I sent to the credit bureaus which include all the accounts I am disputing. I have not use my credit in the past 7 years so there should not be any accounts on my report that is negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/ 2021 regarding inaccurate accounts on my report. It is now 35 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, has violated my rights. 

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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XXXXXX/XX/XXXX
Product: Credit card

There was fraudulent activity on my card from XXXX. Synchrony bank charged me foreign transaction fees as well. When I told them of the fraud they refunded me for it, but did not refund the foreign transaction fees.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : I sent a request for an investigation under XXXX XXXX ( a ) to you in reference to the following account ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS MY XXXX and Final NOTICE REGARDING THESE FRAUDULENT ACCOUNTS LITIGATION TO FOLLOW I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be XXXX XXXX  verifiable and XXXX XXXX accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via XXXX mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

According to 15 U.S. code 1666b 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 XXXX ( b ) of this title is mailed or delivered to So please update the following account XXXX XXXX XXXX XXXX XXXX XXXX  Regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Coinbase platform put restrictions on my account without my permission. I reached out to coinbase and they asked me to provide set of documents and promised to remove restrictions in XXXX hrs. Now its more than 8 days and still I can't use my account due to this I am unable to withdraw my money and it's blocked by coinbase. Every time I need to spend more than XXXX hrs to wait for their customer service response and they don't have answer for my query. I also asked them to connect to their appropriate group within coinbase who can help but my request was denied. 
At this time all my investments are blocked by Coinbase without my consent.
Product: Credit reporting

I paid a medical bill that was in collections back in XXXX, it is still showing not paid on my credit report and the company is unwilling to send me information to proceed with a auto loan. I have contacted XXXX and they are submitting a dispute, but I need this done ASAP. Please.
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>/24 I sent XXXX, Equifax, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue
Product: Debt collection

MIDWEST RECOVERY SYSTEMSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX HAVE BEEN VERY AGRESSIVELY ATTEMPTING TO COLLECT ON A DEBT THAT DOES NOT BELONG TO ME IN FIRST PLACE. THEY REPORTED A COLLECTIONON MY CREDIT REPORT CALLED MY HOUSE, WORK AND NOW CALLING MY RELATIVES AND ONE CO-WORKER THREATENING TO SEND POLICE TO MY HOUSE FOR ARREST IF I DIDN'T PAY THIS COLLECTION..PLEASE HELP THIS IS REDICULOUS AND NOW I FEAR FOR MY WELL BEING AND REPUTATION IN THE SOCIETY
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. 

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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.
Product: Debt collection

Paid of Collection account for {$480.00} they agreed to delete and never did XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$6700.00}
Product: Debt collection

IC Systems continues to report erroneous information on my XXXX  consumer report. 
In response 6o my debt validation request, I received a bill on XXXX letterhead that does not itemize their claim for the debt being reported that I owe. I am d4manding that this be removed from my consumer report immediately because this is not my debt and I do not owe XXXX  nor IC Systems {$260.00}. 

A copy of a bill does not VALIDATE the bill. This erroneous reporting has caused me tremendous grief in my attempts to refinance my home.
Product: Mortgage

This is the 2nd time my Mortgage Servicer has not applied my mortgage payment paid by XXXX, that was made on XX/XX/XXXX, in the amt of XXXX, I have 2 more payments that will be made by XXXX, in XX/XX/XXXX, & XX/XX/XXXX, Select Portfolio never Post the ACH Wires in a timely manner this puts my account in a default status threating Foreclosure, and stress on me.. My last complaint was XXXX, which was resolved, I don't want to keep making complaints regarding I would like for Select Portfolio to fix their Posting issues
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE AUTO FINANCING IS REPOTING AN ACCOUNT THAT IS INACCURATE. THE ACCOUNT HAS BEEN PAID IN FULL. THE REPORTING AGENCIES DO NOT HAVE PERMISSION TO EPORT THIS ACCOUNT.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I sent a letter to the United States Bankruptcy Court Southern District of Indiana inquiring was it their method of reporting bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$440.00} XXXX XXXX {$17000.00} XXXX XXXX {$9300.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$540.00} XXXX   XXXX {$700.00} XXXX XXXX XXXX {$100.00}
Product: Student loan

On  XXXX   XXXX  around  XXXX  EST, I calle d Sallie Mae  customer support in regards to potentially reducing my monthly student loan payments due to financial difficulty. Initially I was offered to put up t o 3 loans on forbearance for up to 3 months at a time each . As I informed the customer support contact, such a method is temporary, limited, and not substantially helpful.     I asked for a more effective method to lower my monthly payments. After some time on hold, I was informed of a rate reduction plan available only to those who have missed have a payment, known as " delinquent ''. I then asked why I can not enroll/apply for this program now instead of after missing a payment. I was told that only the collection department can do assist with that and they will ONLY contact me 5 days after my first missed payment. They will not help me because my account is " current '' for paying my student loan bills on time.     The burden of student debt has been especially crippling after college graduation and some relief or assistance would be incredibly appreciated.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

My AAA Comenity card and my XXXX card are charging my XXXX XXXX XXXXXXXX card interest charges of approximately {$40.00} & {$30.00} every month because I pay the minimum payment every month. But yet I pay interest on those accounts every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2019, XXXX add a hard inquiriy on my credit report per XXXX. 
On XXXX XXXX, 2019, CITIBANK NA/THD add a hard inquiriy on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX XXXX, 2019, CITIBANK NA., BEST B add a hard inquiriy on my credit report per XXXX  XXXX No contact information has been reported by this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I contacted Experian via Certified Mail in efforts to resolve inaccuracies on my credit profile. Majority of the accounts that were disputed are still on my credit profile. These are fraudulent accounts. I requested that the agency validate the accounts and furnish the data to me that validated that the accounts are indeed mines. The company failed to furnish data validating that the accounts were mines, and the disputes were submitted beyond 30 days ago.