23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I noticed this debt in the amount of {$890.00} being reported on all 3 credit reports. I disputed the information with XXXX as this agency is used to pull with potential future lenders. In any event I am NOT responsible for this debt owed as it is due to identity theft. XXXX XXXX XXXX XXXX responded to my dispute by USPS mail on XXXX XXXX. XXXX and requested I send over a filed theft report online at XXXX. This has been completed and the reference # is XXXX... this report can be viewed at any time.I also filed a police report regarding this matter. I then noticed that this account has ben transferred to XXXX XXXX XXXX. A debt collection agency. I spoke with a representive today at this aw firm that indicated that my account was sent to them on XXXX from th merchant. XXXX XXXX XXXX  then sent this account over to ASSET RECOVERY SOLUTIONS a sister company to them as a debt collection attempt. AGAIN I DO NOT OWE ANY DEBT FROM THIS CREDIT CARD COMPANY> I ave been a victim of identity theft since XXXX. Someone stold my wallet from my purse and gained access to all my personal information including my CA ID my social security card, banking information etc. This agency DID NOT PROTECT MY IDENTITY. I am asking that you REMOVE THIS DEBT ACCOUNT AS IT IS FRADULENT. I have contacted ASSET RECOVERY SOLUTIONS TODAY the account # XXXX. Please do right and remove this account from reporting debt that i do NOT OWE from XXXX XXXX and XXXX. Thank you. Feel Free to contact me at XXXX or email me back at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Why would I have to pay almost XXXX} to freeze my family 's credit when the credit bureau lost my information? I did not ask them to keep a report and now I am supposed to pay to fix THEIR problem? 
Do I have to wait till my credit gets stolen? 
HELLO IS THERE ANYBODY THERE WITH SOME COMMON SENSE and RESPONSIBILITY? 
They make money on our back and when they XXXX up they charge us more?
Product: Credit reporting, credit repair services, or other personal consumer reports

This happen in XX/XX/XXXX I notice in XXXX theres was inaccurate accounts on my credit report. So I spoke with a representative at equifax it was a supervisor I spoke with they told me to get a police report or a ftc report about the fraudulent accounts that was showing on m credit report. So I provided equifax with a ftc report sent it by mail they received it they told me the ftc was invalid that they couldnt process it because I didnt have the fraudulent account number on the report. Equifax have been sending me on a goose chase I call them they lie like one representative told me she was gne have the fraudulent accounts removed and I feel like I been a victim of fraud for three years and it seem to me I provided Equifax proof of a Ftc report which is what the head person of Equifax told me to do and they still not helping me with this matter okay so since they want me to provide a valid ftc report which the representative told me to do if I want to get those fraudulent accounts thats on my credit report removed I have print out a ftc report with the account number of the fraudulent accounts and Im attached a copy of my photo Id lets see what the problem is now I will like those fraudulent accounts to be removed from my credit report immediately a supervisor from Equifax said provided them with a valid Ftc report and make sure I add the account numbers from the fraudulent accounts that are showing on my credit report and once I do that they will removed them so please remove those accounts from my credit report and I also fax in this Ftc report on XX/XX/XXXX and this time its valid with the account number so yall shouldnt have any problems getting these removed thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

sent police report ftc violation and hacking bbva compass, XXXX  or XXXX XXXX fail to look into the ftc violation
Product: Debt collection

Pittenger Law Group , LLC . sent a letter via USPS claiming to collect a debt that was discharged and sold. I responded accordingly and informed the Debt Collector that I did not owe what the letter claimed. I asked for validation of the debt and informed the Debt Collector of the Fair Debt Collection Practices Act and that all correspondences be sent via USPS ... 

Pittenger Law Group , LLC . sent an Itemized list along with a copy of a contract agreement. I responded accordingly within the dates stated within the letters sent, by next day express mail and sent copies of the receipt, after XXXX XXXX alluded that His office received the letter after the last date given to respond -- - here are the following dates XX/XX/2019 - XX/XX/2019 - XX/XX/2019. 

There is no contract between the original creditor, nor Pittenger Law Group , LLC . The Debt collection practices XXXX XXXX and Pittenger Law Group , LLC . has been in direct violation of FDCPA rules and regulations. I am dragged into Court, although XXXX XXXX has shown without any of the File or Documentation and has admitted to being unprepared. Where is Attachment A or the Contract Agreement between the original owner and the Debt Collector ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title 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. 

Here is the list of items which are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX ( Original creditor : XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$1300.00} XXXX XXXX  ( Original creditor : XXXX ) XXXX Balance : {$330.00} XXXX XXXX XXXX  Balance : {$330.00} XXXX XXXX XXXX Balance : {$9300.0XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom it May Concern, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in deeply concerned that my dispute may be mishandled in a similar manner. 

Please review the Inaccurate Information being report :
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I logged into my closed XXXX XXXX credit card account. I checked my credit score and noticed that a fraudulent auto loan was on my Transunion credit report from XXXX XXXX. I then contacted Transunion to report the fraudulent loan, then contacted XXXX XXXX to report the fraudulent loan. 

On XX/XX/2022, I receive a letter from Transunion stating that the investigation results are " verified as accurate and updated. '' On XX/XX/XXXX, I filed a dispute with Transunion regarding the results received from XX/XX/2022 letter mentioned in above paragraph. 

On XX/XX/XXXX, I mailed a letter to XXXX XXXX XXXX XXXX XXXX Department, requesting that they remove this loan from my name and absolve me of any responsibility for this loan.
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX TransUnion for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681 ( 5 ) the Fair Credit Reporting Act. 



Account Information : Account Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$170.00} Despite providing clear evidence of the inaccuracies in the above-reference account and requesting its removal from my credit report, TransUnion has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law. 

Thank you for your attention to this matter. I look Forward to a prompt resolution and your assistance in rectifying this issue. 


Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

After complain filed each time I call the representatives state that they cant handle my call and has to be transferred over to manager. Manager doesnt answer calls via transfer or via provided number
Product: Credit reporting, credit repair services, or other personal consumer reports

I5 USC I681 section 602 states that You have the right to privacy ' 15 usc I681 section 604 ( a ) Subsection 2 states that A consumer reporting agency can not furnish an account without your written instruction 15 uSc I666 ( B ) A creditor may not treat a payment on a credit card account or open end consumer credit
Product: Credit reporting, credit repair services, or other personal consumer reports

A Georgi a State Tax Lien  (  XXXX   XXXX   XXXX   XXXX   ) is showing on my credit report. Tax Lien is sho wing as filed  XXXX / XXXX /  XXXX  . I do not a delinquent tax/tax lien with the state of Georgia. I am requesting this tax lien be removed from my credit report as soon as possible.
Product: Student loan

I went through XXXX school to achieve a better life through the use of my education. When I got my XXXX I used it for almost two years then I ended up with XXXX in both XXXX and had XXXX. I lost the full use of my XXXX and became impaired to do the job that I was certified to do all while going through some intense life situations, I almost lost my house, I lost my job, I now have additional medical issues that inhibit my life severely and they are not likely to be resolved in my lifetime and finally bankruptcy. Two years ago in 2014 my bankruptcy was finalized. It has been 2.5 years and the loan was recently acquired by a collection agency. Just within the last month they have consistently and aggressively contacted me to tell me that they were going to do a charge off. That this is the " Final Demand Notice ''. I am also currently responsible for a $ XXXX federal student loan that I have been making 18 years of payments on and the net of the loan has never decreased. At this point I am in a black hole and I do n't foresee light for many years if at any time.
Product: Credit reporting or other personal consumer reports

Hey, my name is " XXXX XXXX XXXX '', and I have noticed on my consumer report that I have a bankruptcy that must be deleted off my consumer report immediately. It has impacted me deeply and has hurtled me. The consumer reporting agencies Lexis Nexis, XXXX, XXXX, and XXXX have validated codes XXXX XXXX XXXX XXXX XXXX " furnishes of information to consumer reporting agencies. They have reported a bankruptcy knowingly that it's not connected to me. And I have on record that I am not connected to this public record. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I disputed this account for violating FCRA regulations TILA the credit XXXX is violating consumer laws by reporting and aid and abetting in furnishing this inaccurate report on my credit profile. 

I had no luck reaching out to the inforamtion on my credit profile for the number listed is not working. These violations are serious and harming my credit report by violating USC 1681 ( S ) ( 2 ) & ( 3 ) & Fair Debt Billing Act.

I would like the formal and orginal instrument of indebtness and all loses on books to see where is the numbers from this account is coming from. I have been getting no reply from the creditor and XXXX reps are no not giving me any names numbers or anything. this company is rude and hols your personal information hostage when trying to correct them. 

If a creditor sales something or transfer the debt the balance and other factors should go into play and be corrected. THIS IS FRAUD ALL AROUND.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2019, JPMCB CARD SERVICES add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX  XXXX add a hard inquiriy on my credit report per XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the recent activity on my credit report. I have noticed several credit inquiries from unfamiliar sources, which leads me to believe my credit information may be used without my authorization. I kindly request your assistance in investigating this matter and taking necessary steps to ensure the security and proper handling of my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention to this issue and look forward to resolving it amicably.
Product: Mortgage

On XX/XX/XXXX I made a deposit into my mortgage account, and called Arvest Mortgage to apply the entire amount to my escrow account. This was merely a reimbursement money from a hazard insurance company after I switched companies in XX/XX/XXXX. I called about this at least 3 more times over the course of two weeks, as I could not see the evidence of transfer into my escrow account. I was told that accounting is at least 6 weeks behind on their work, but was assured that it will all be done. 

Next, as a result of not applying the above amount correctly to my escrow amount for 2 months, my XXXX automatic mortgage payment and now XXXX automatic mortgage payment never applied as scheduled. The money is sitting in my checking account. I can not fix this online myself, as my auto payment is disabled due to delinquent status!? 

I have been calling and emailing with Arvest Mortgage for two months now, with no end in sight here. Please help. I have never been late on ANY bill in my life. Arvest Mortgage will not tell me what is going on, they reply with " a second round of emails has been sent '' and " let us know if you do not get a call from us today ''. 

I have filed a complaint with XXXX as well in hopes to get this resolved.
Product: Credit reporting or other personal consumer reports

Hello there! 

Within the last three months of XXXX TransUnion started to report a closed in debt account called XXXX XXXX XXXX on my credit report. This is problematic because I do not own a debt with XXXX XXXX XXXX & I do not owe any debt to the apparent original creditor. I called the original creditor and demanded their fraud department help me out with this one. They didnt bother helping after saying they would reach back out. Then I tried contacting XXXX XXXX XXXX to no avail. Finally today on XX/XX/XXXX, I see that that not only is Transunion still reporting this fraudulent account as mine but they also changed the status from CLOSED To REOPEN this is extremely inaccurate. I demand Transunion remove this account off my credit report immediately. 

To confirm, I NEVER opened an account with the original creditor or XXXX XXXX XXXX. I gave no authorization for no account to be opened under my identity. I also gave no authorization for this debt to be listed as mine without the credit bureau properly validating it.
Product: Payday loan, title loan, personal loan, or advance loan

I been dealing with identity theft for XXXX XXXX up to know, i told the XXXX my situation and they freezed my credit because criminals open car loans personal loans and student loans in my name because of the exposure of my identity XXXX XXXX XXXX XXXX $ XX/XX/22 XXXX XXXXXXXX XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report, that do not belong to me and are deemed fraud. These accounts do not belong to me. I have reached out to XXXX, Experian and XXXX to rectify the fraud accounts. These fraud accounts are hindered me and I need them removed asap. Below are the accounts which are fraudulent. 
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

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX, Please remove the following Phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Bank account or service

XX/XX/XXXX-XX/XX/2016 several fraudulent charges were made neither by my husband nor me, using my husband 's chase debit card totaling {$4200.00},. 

On XX/XX/XXXX and XX/XX/XXXX telephone transfers were made, neither by my husband nor me, moving money from savings to checking account to conceal the purchases. 

Chase continues to deny my claims stating that these charges were correct, even though I showed that we were not in the locations where the charges were made, that the signature used to make the largest purchases is not that of my husband. 

Chase refuses to disclose the following information : telephone recordings of the telephone transfers, whether the transactions were chip or swipe, whether PIN was used and whether it was set for this debit card. 
In their investigation Chase did not request CCV recordings from XXXX, where the largest transaction was made. 
This appears to be the case of identity theft. Chase, despite having resources to pursue the thieves, chose not to do so, and decided to simply deny my claims. 
I feel that Chase 's investigation was grossly inadequate. I have retained a lawyer, however, after my sworn affidavit and appeal were ignored by Chase, he informed me that further pursuit would be cost prohibitive. Chase is withholding information from me, which prevents me from getting justice.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and discovered fraudulent accounts that I would like to have removed, as they are negatively impacting my credit.