23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$84.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

Hello. I have an account with Cadillac accounts receivable. The highest I owed was XXXX $ I started a payment plan of XXXX $ a month to be paid on the first of every month through them XX/XX/2018. Everything went according to plan until we got the the last 2 . For what ever reason it was never deducted from my account. I have tried on numerous occasions to contact the viea phone calls. It's been over a month and no return phone calls were made to me. I want to be done with this as soon as possible. My credit is being affected at this point and it unacceptable. Please help me make them take my 2 . This is getting to be silly.
Product: Debt collection

I received an email from Trans world, My father was wondering what the debt was for, so he called TSI. at that time the rep ( XXXX XXXX ) disclosed information to my father. I do understand that under the FDCPA a bill collector can not disclose information regarding my debt to a 3rd party with out my prior consent. That collector is in direct violation of the FDCPA. And i will be seeking damages. The FDCPA Cleary states : ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just don't think this is still right. I felt I am being taken advantage by someone I didn't know and being ignored by the agencies where I sent the disputes. What happened is last month I received my credit report and noticed that lots of items that I didn't recognized and it isn't mine, so dated XX/XX/2022 I sent letters regarding with those items to be remove and was very patient waiting for their response but up until now ( XX/XX/2022 ) I haven't received any from them. This is unacceptable. According to this article : FCRA 611 ( 15 U.S.C. 1681I ) ( A ) the investigation should be within 30 days only and an extension of 15 days makes 45 days, it was almost 50 days now from the time I sent letters but nothing came into my mail, email and even phone number when I indicated all these info for them to communicate to me. This is frustrating and causing me a lot of stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian requested via email I update my method of payment and listed a XXXX  card 's last four number which I didn't recognize. I called into customer service to verify tls certificate info to verify sender. After finally making it through their automated phone service I escalated the call, due to being afraid of fraudulent activity, regarding my method of payment being incorrect. At this point I requested to remove my method of payment and to change my account status to basic ( free ). 

Today I received the same email stating they were trying to charge me for a basic account on the same unknown credit card number. I called in and had account deactivated because I know longer have faith in Experian 's service. This was successful, however I was told in order to remove my personal information I would have to physically mail sensitive information to their Texas address. I am not willing to do so. Please help my remove my information from Experian 's databases because I no longer felt confident in their ability to manage sensitive information. 

Experian supervisor Agent ID : XXXX XXXX Claim number : XXXX
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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: Money transfer, virtual currency, or money service

I HAVE BEEN USING PAYPAL TO CHARGE TO MY CLIENTS BY A SMART XXXX DEVICE. I DO WORK IN A XXXX XXXX AND SINCE XX/XX/2019THEY REFUSE TO GIVE MY MONEY $ XXXX AND THEY HAVE BEEN CUSTOMERS ASKING FOR REFUND TO TAKE MY MONEY SLOWLY THEY TOOK $XXXX
PLUS $XXXX  PLUS XXXX 

THEY REQUEST FOR MY ID OR LICENSE DRIVER, I SENT TO THEM AND THEY SAY IS STILL IN REVIEW. 
I HAVE BEEN CALLING SEVERAL TIMES AND WHEN I GIVE MY PERSONAL INFO 
THEY HANG UP ON ME. 
I HAVE BEEN TRYING TO GET MY MONEY EVERY SINGLE DAY CALLING, LEAVING MESSAGES AND THEY REFUSE TO GIVE ME MY MONEY 

MY INFO 
XXXX
XXXX XXXX XXXX XXXX XXXX  NC XXXX
XXXX.XXXX.XXXX
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered multiple accounts that are inaccurately listed under my name. These accounts are completely unrelated to me and should not be affecting my credit history. This is a serious matter and causes significant concern. As outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to a credit report that is both complete and accurate. These inaccuracies must be investigated and corrected immediately. I expect a swift resolution and a thorough review of the erroneous information. If this issue is not addressed promptly, I will be forced to consider legal actions to protect my rights.
Product: Credit card or prepaid card

OVERCHARGE on hotel bill. Probably due to not crediting deposit. Brought to attention of hotel and Tod would be credited. Never happened. Requested full accounting of all charges and credits from J P Morgan-CHASE. They refuse to do so and insist on honoring the incorrect charge. JP Morgan is enabling this larceny.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to get the following information off my file, the items i need removed are listed on the report. I need my report corrected I reported the theft of my identity to the FTC and my general attorney. Please investigate that this account is reporting XXXX accurate i see so many errors which is a FCRA violation
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"
Product: Credit card or prepaid card

SOMEONE USED MY IDENTIFICATION TO OPEN A FRAUDULENT CREDIT CARD ACCOUNT IN MY NAME AT BANK OF AMERICA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate items are still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the inaccurate information from these accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Fraudulent collection accounts XXXX : XXXX Opened XX/XX/XXXX {$920.00} XXXX XXXX Opened XX/XX/XXXX {$2900.00} Transunion : XXXX Opened XX/XX/XXXX {$920.00} My information may have been impacted by the XXXX, TransUnion and XXXX XXXX XXXX and may have got into the hands of the wrong person Under XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ XXXX XXXX XXXX  ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately.

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter.

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law.

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA.

Please DELETE immediately! 

Respectfully XXXX XXXX UCC-1-308 Without Prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account numbers has violated my rights XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 usc 1681 section 602 ( a ) states I have the right to privacy 15 usc 1681 section 604 h section 2 It also states a consumer reporting agencies can not furnish my account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX my personal info was compromised, my XXXX XXXX plum card was taking over by a XXXX XXXX, fraud charges were made on account, my address was also changed, I called and reported the breach to XXXX XXXX and changed back the address the account was closed. 

they credited back the XXXX charges inXX/XX/XXXX and in XX/XX/XXXX put bck the charges and when I called them they told me they sent letters to me to the fraud address and I did not reply so they closed the fraud case and put account into collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN VICTIM OF IDENTITY THEFT. 
I SENT : -A POLICE REPORT -A FTC Report date documents were sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX did not remove these fraudulent accounts that i am not responsible for violating my consumer rights. 
desired resolution : delete thes fraudulents accounts like XXXX and TRANSUINON DID. 
Fraudulents accounts : -Account # XXXX XXXX XXXXXXXX XXXX {$1000.00} -Account # XXXX XXXX XXXX Balance {$6300.00} -Account # XXXX XXXX XXXXXXXX XXXX {$650.00} -Account # XXXX XXXX XXXXXXXX XXXX {$1600.00} -Account # XXXX XXXX XXXX {$580.00} -Account # XXXX XXXXXXXX XXXX  {$2200.00} -Account # XXXX XXXX XXXX {$2000.00} -Account # XXXX XXXX XXXX  {$740.00} -Account # XXXX XXXX Balance {$4100.00} -Account # XXXX XXXX XXXX  Balance {$1000.00} -Account # XXXX Balance {$23000.00} -Account # XXXX XXXX XXXX {$1300.00} XXXX # XXXX XXXX balance {$460.00} -Account # XXXX XXXX XXXX XXXX Balance {$11000.00} -Account # XXXX XXXXXXXXXXXX XXXX balance {$55000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and I observed that there is a bankruptcy that is reporting on my credit report. So I wrote a letter to the Bankruptcy XXXX in XXXX XXXX and they sent me a letter stating that they do not report bankruptcies to the credit bureaus. I sent a letter to each bureau previously and they said that they had validated it with the courts. So that information was not true. My personal information is supposed to be protected as a consumer. This a violation of my right to privacy reporting this to XXXX, XXXX, and Transunion. Also dishonest disputing methods were used because nothing was able to be validated as accurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX 4 year secured refinance loan with collateral. Payments were never late. Their last statement generated for this loan account ending # XXXX even states that when they are reporting this loan accounts last payment made 30days and even 60 days past due with Equifax. XXXX XXXX is falsely reporting a Charged off Credit Card account thats been delinquent since XX/XX/XXXX XX/XX/XXXX which is over the 7 year delinquent account reporting statue and they refuse to remove it.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
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 reporting, credit repair services, or other personal consumer reports

Fortiva XXXX XXXX, XXXX XXXX XXXX, AT, GA XXXX incorrectly included me in the population of their customers who received hardships due to COVID-19 pandemic. When I called to inquire about why I had received this letter and was included in this population when I paid off my account and told them to close it immediately, they kept reading a scripted response and refused to answer my question. I asked them to remove me from this population given it was incorrect and received no response. I did not receive any assistance from them for CoVID hardship.
Product: Debt collection

This company has failed to provide any information in regards to the method of validation as requested during the dispute process to include original contracts, proof they are authorized to collect, an itemized breakdown of payment history, how interest is accrued and where I agreed to such charges, how much they paid for the account, etc. Instead they are using predatory collecting practices to collect this invalidated debt by reporting to the credit agencies on a bi-weekly basis ( severely damaging my credit ), checking my credit report on a monthly basis ( unauthorized by me ), reporting the collection as an open account, and charging an astronomical amount of interest to the unverified account to the tune of almost $ XXXX in the last year alone. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt they claim is owned and that request has gone ignored.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed multiple times to delete a name on my credit report. After sending a copy of a driver 's license and copy of paystub showing my correct name, they fail to change the info to make it correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not secure their data properly even though the technology to secure mentioned data is reasonably affordable and readily available. Now mentioned data has been breached by criminals. My personal information was part of mentioned data and is now in hands of criminals and will become public. I know this because I confirmed with Equifax today, X/X/17. I should also note that Equifax offered a service to protect against identity fraud, but in exchange they wanted to mitigate my ability to sue them for damages. Also, the service they offered was only free for one year- after which they would make a profit off of me by charging for me to extend the mentioned service.
Product: Credit card

I had my credit card with XXXX ending XXXX set up to pay my rent through them, on XXXX they try to collect the rent on my checking account, I was not ready, so they sent me notifications for me to send the money to them for them to pay the XXXX rent XXXX. 

I did send the money, but I was told over the phone, that although I sent the money to them thru my checking account directly to XXXX XXXX, the money was applied towards my balance due shown in that moment, so I had to pay my rent directly to the landlord. 

On XXXX XX/XX/XXXXXXXX  XXXX 's statement show the payment I did for {$3300.00} to them, that was applied to my regular purchases, so total new balance to pay on XX/XX/XXXXXXXX  was {$1100.00}. I had to dispute some charges I did not made, so they replace the card, they send me a new one ending XXXX. 
Then on XX/XX/XXXX statement, card ending XXXX, they comeback and charge me for the rent {$3300.00} ( or purchases ) that they never pay for me!! plus XX/XX/XXXX statement balance of {$1100.00} total of {$4500.00}. 

I contact them on XXXX when I realized about the mistake, XXXX  sent me to WellsFargo Enterprise Complaints Management Office, and since then I have to : *Send them copies of checking account statements for them to see all the transactions made in XX/XX/XXXX. 
* XXXX XX/XX/XXXX card ending XXXX and XX/XX/XXXX card ending XXXX statements. 
*My landlord statement so they could see that I WAS THE ONE PAYING MY XX/XX/XXXX PAYMENT not them. 
*TONS of calls and some emails to the Executive office case specialist and, after 7 months ( XX/XX/XXXX was my first contact with them ), they have been sending me letters, telling me either they close the case with an illogical explanation or that they need more time, I open that case XXXX XXXX more times because of that illogical explanations!! Is too much!