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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 that is being posted to my report.

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

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 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 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 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I AM VERY DISPLEASED THAT I SEE MANY FRAUDULENT ACCOUNTS ON MY CREDIT REPORT.THIS IS REALLY DAMAGING MY CREDIT WORTHINESS. I AM TRYING TO BUY A HOME FOR ME AND MY CHILDREN AND THIS IS NOT FAIR. I HAVE TRIED SEVERAL TIMES TO GET THESE ACCOUNTS REMOVED. LET ALONE, MY INFORMATION WAS IN A EXPERIAN AND XXXX BREACH SOME MONTHS AGO SO I THOUGHT YOU ALL WOULD PROTECT MY CONSUMER REPORT. I DO NOT FEEL THAT MY INFORMATON IS BEING PROTECTED. THIS IS A DEFAMATIOM TO MY CHARACTERAND THIS IS A FEDERAL LAW VIOLATION.ACCORDING TO, 15 USC 1681 [ A ] [ 1 ] [ 2 ] [ 3 ] [ 4 ] MY COMSUMER REPORT FAIRNESS AND PRIVACY HAS BEEN VIOLATED. I AM UPSET! I AM DEPENDING ON THE BANKING SYSTEM AND CREDIT REPORTING AGENCIES TO PROMOTE MY PRIVACY AND FAIRNESS AND THEY HAVE NOT.THIS IS NOT RIGHT AND GOING AGAINST MY FEDERALCONSUMER RIGHTS. CAUSING EMOTIONAL AND MENTAL STRESS NOW.ALSO, IT IS ILLEGAL THESE COMPANIES SHOULD NOT BE FURNISHERS OF PEOPLES INFORMATION TO 3RD PARTYCOMPANIES ITS ILLEGAL, NEGLECT AND FRAUD. I HAVE ALREADY REPORTED THIS TO LOCAL POLICE AND FAIR-TRADE COMMISSION.THESE COMPANIES CAN BE SUED FOR DAMAGES.THIS IS NEGATIVELY AFFECTING MY LIVELYHOOD AND PUTTING ME IN A BAD SPACE. I FEEL YOUR DATABASE IS INACCURATE AND I AM FILING LIGATION AGAINST THIS IF THESE ITEMS ARENT REMOVEDIMMEDIATELY.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the consumer reporting agencies listed below along with the accounts listed below has violated my federally protected consumer rights to privacy and confidentiality. 
Consumer Reporting Agencies : XXXX, XXXX and TransUnion XXXX : Account Name : XXXX XXXXXXXX XXXX XXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX XXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent. 
* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments, charge off, and repossessions are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my consumer report from all consumer reporting agencies. 

These violations of my rights has seriously hurt my personal and professional life in getting approved for loan offers, credit card offers, and a mortgage for my home. 

Attached are copies of their violation of my rights : Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

Several attempts have been made to recieve validation of debt from all major credit bureaus and cfpb I have still not recieve vadilation of debt its been well over 90 days no action was taking per consumer law if debt is not validated within a cetain time frame its to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account is not mine account name:XXXX XXXX XXXX XXXX account number:XXXX account balance : {$980.00} im not liable for this debt it does not belong to me at all want it removed off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

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: Payday loan, title loan, or personal loan

My name is XXXX XXXX XXXX Loan # XXXX My email is XXXX On XX/XX/XXXX I applied for a loan of {$500.00} was approved ( confirmation # XXXX ) and I picked up the money in person the same day. On XX/XX/XXXX I applied for another loan as I was already approved for a higher amount when I applied initially on XX/XX/XXXX but chose not to take the full amount since I had a check deposit due to post to my personal bank account by XX/XX/XXXX but due to banking issues did not post as expected .On XX/XX/XXXX I applied to take out the remainder of what I was approved for which was {$1500.00} and change and picked up the money the same day on XX/XX/XXXX. On the same day XX/XX/XXXX a friend agreed to loan me money after i explained to him the banking issues I was having and the expensive pay day loan I had to take out. After getting the money from my friend I called Speedy Cash and asked them to rescind the loan and just take it out of my bank account with the bank info they already had on file ending in XXXX. They refused and advised me to go back to the store in person which is 30 minutes away even after I informed the representative that I was heading out of town for work. Not being able to rescind the loan in the window provided by Speedy Cash will incur me fees that could have been avoided had Speedy Cash just taken the money back and rescinded the loan with my checking information that was already on file with them. I want them to refund me any and all fees associated with the entire amount of this loan due to them refusing to rescind the loan over the phone or by email communication like I requested.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I went into a chase bank to use the ATM. I deposited {$6000.00}. It was too much money and the machine stopped accepting deposits for the day. It gave me a receipt to file claim. I reached out to XXXX corporate and allow them to do their research, they credited me back {$1000.00} and told me they couldnt verify the rest, I reached out to the local bank and they also said they could not do anything further.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported that I am a customer of theirs. They claim that I opened an account on XX/XX/XXXX and did not pay it. Therefore, they sent it to collections in XX/XX/XXXX for the amount of {$2200.00}. They state that this account belongs to an address in New Jersey. I have contacted XXXX 5 times over the last month. I have contacted Experian at least as many times. I have talked to everyone from Customer Service to Fraud Department in each company. I have disputed this account with Experian 3 times and each time they state that XXXX has verified that I am the one responsible for this account. The funny thing is, XXXX can not find the account number, XXXX can not find my social security number and I have NEVER been a XXXX customer in my life. Oh, and I have never been to New Jersey. 

The partial account number provided by experian is : XXXX .... 
The address they believe I live at is : XXXX XXXX XXXX XXXX XXXX NJ XXXX So, who in XXXX can produce a contract that I signed? Nobody can ... ..because I am NOT a customer! Experian still maintains that XXXX insists I am a customer and yet they will not provide me with any evidence to that effect. I am tired of wasting my time so I need you to fix this or tell me who to sue for damaging my credit.
Product: Credit reporting or other personal consumer reports

Im questioning the accuracy of these items on my report. Please verify this information or remove it. 
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I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 
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Please read 15 USC 1681s-2 ( a )
Product: Payday loan, title loan, or personal loan

I took out a " credit builder '' loan in order to build my credit, as a company advertising a product intended to repair credit, I'd have expected them to be more willing to understand the situation I ran into where I was unable to make payments at the time and work with me on a repayment plan while not completely destroying my credit. 

But instead, they treated this as a standard loan and destroyed my credit by reporting missed payments and not making a meaningful attempt to contact me and work out an arrangement until I could get on track.
Product: Debt collection

I dispute these charges by this company. I am XXXX, i have disputed charges, XXXX XXXX charges unauthorized. Off shore debt buyer reported false information. I have been XXXX since 2013. 
When contacting agency computer messaging and customer care they were unable to provide appropriate information for filing discrepancy with their accounts charged off. No one would discuss accounts unauthorized charges that appears on credit report. 
I have received repeated excessive calls from this international who have excessive harrassing calls and inflation of chagers that never existed. 7 days per week. Thirty different numbers calls cell phone 7 days per week any day and and time. Falsely filed a $ XXXXdebt to XXXX XXXX and {$4400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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 a account without my written instructions
Product: Debt collection

Ive been working with XXXX XXXX for several years as my XXXX XXXX. I always provide him with neatly organized documents in folders for him. I communicate with XXXX via email. I decided to end my relationship with XXXX since my messages were not reflected in the tax preparation docs. To give you an idea : my address was incorrect on the paperwork. The health insurance I had and provided to him was not correct. My tax payments ( that I provided with receipts ) was not recognized. It was simply a copy of my filings from the last year. What he ws trying to provide was unusable and a waste of my time. No proper or coherent work was ever rendered ( I have an email thread where I asked him to stop immediately ). I have ceased working with him. He attempted to invoice me. I never used him after that. 

I have attempted to call XXXX directly multiple times ( no answer ). I have also attempted to call and email the collection agency ( KINUM INC - XXXX ) to dispute the collection file since its fraud. I've reached out to them XXXX times already. They have never emailed me back. Below are their details. Attached is my email thread. They are receiving my emails, and have opened them ( I track all my emails ). I am attaching the certificated showing that they have been openned. 


XXXX XXXX XXXX Chief Operating Officer at Kinum , Inc . 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Kinum , Inc . 
XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have thoroughly reviewed my credit report and i would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

1. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of XXXX XXXX XXXX  Account Number : XXXX This is a violation of my rights. Please delete 2. 15 u.s. Code 1681 Congressional findings and statement of purpose ( a ) it states accuracy and fairness of credit reporting date opened is not accurate date of last activity is inconsistent XXXX XXXX Account XXXX : XXXX This is a violation of my rights. Please delete 3. 15 u.s. Code 1681 Congressional findings and statement of purpose ( a ) it states accuracy and fairness of credit reporting date opened is not Accurate last reported is not Accurate XXXX  Account Number : XXXX This is a violation of my rights. Please delete 4. 15 U.S. code 1681e ( b ) compliance procedures Accuracy of report High balance is not accurate accross all credit bureau date of last activity is not accurate date opened is not accurate across all credit bureau XXXX Account XXXX : XXXX This is a violation of my rights. Please delete 5. 15 u.s. Code 1681 Congressional findings and statement of purpose ( a ) it states accuracy and fairness of credit reporting date opened is not Accurate last reported is not Accurate TBOM/ASPIRE Account Number : XXXX This is a violation of my rights. Please delete 6. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of XXXXXXXX XXXX XXXX  Account Number : XXXX This is a violation of my rights. Please delete XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

I noticed unauthorized charges on the card and called the company, Barclay Card about the issue but it has not been resolved and the charges totalling approximately 6000.00 kept appearing until the card was cancelled. The companies named on the invoice were XXXX, XXXX and XXXX, none of which i contacted although I do have a XXXX account. I have contacted the company several times. Paying these charges would very difficult in the present circumstances and is causing tension in the home, so i would like to resolve the matter as soon as possible. As a credit card customer who pays a yearly fee i thought i was protected from fraud of this sort, however i was unawware and not alerted to suspicious activity. For example over 70 charges rngeing from XXXX to XXXX were billed on a single day to these companies, shouldn't i have been notified? 
Thanks for your time and consideration, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today, at this time, the initial delinquency date is missing and the account type is wrong on the entry reported by XXXX XXXX XXXX, an XXXX, Georgia based collection company. 

Let me repeat, on my equifax report, it is missing the initial delinquency date and the account type is wrong. 

This complaint addresses those two inaccuracies on my equifax credit reports as of today. 

Furthermore, I am providing to you a copy of the creditors chart of accounts that prove to you that the one and only first delinquency date is XX/XX/XXXX ( XX/XX/XXXX ). 

This data can be verified simply by looking at the attached documents and On page 4, if you can actually make heads or tails of this Clearly manipulated ledger, look at the right Dark Red box and it clearly and simply shows and proves thar the initial delinquency date is in fact XX/XX/XXXX. XXXX. 


But, keep in mind, XXXX XXXX XXXX, the bogus creditor, would like for to believe that the initial delinquency date of the XXXX XXXX XXXX  is XX/XX/XXXX ; ladies and gentlemen, 13 months later than the true default date, XXXX XXXX has knowingly, willfully, and maliciously reported that the initial default date is XX/XX/XXXX, even though it proves with their own ledger signed and emailed you me from XXXX XXXX XXXX. 

There are many reasons for them to break the law and inaccurately report data as they did to me for 7 years and counting. 

And it can be supported by their actions even when I brought it to their attention going back years, they Have rejected every dispute that I have filed for their mistake, And refused to correct same at anytime And now 7 years later, they removed the date of first delinquency date recently further leaving my Credit file even more incomplete with missing data required to be reported by them. 

See, this is a pattern of behavior that is illegally on the state and federal level, and the moment years and months ago when I tried to cordially converse with them and they hung up the phone on me several times. 

There is a Georgia Attorney General Complaint that we are filing soon after this and seeking attorneys for a potential class action law again XXXX XXXX XXXX so we will talk to high later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I n accordance with the Fair Credit Reporting Act XXXX XXXX Account Number : XXXX, -XXXX XXXX XXXXXXXX Account Number : XXXX,. 
XXXX Account Number : XXXX XXXX -XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : 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 a account without my written
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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 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 XXXXXX/XX/XXXX.
Product: Credit card

One day it was suddenly locked- when I went to make a payment. 
I called in and they said I could pay them ( the person on the phone ) and that I was locked out. That the only way to even be able to PAY was to send a copy of my license. 

If they think I'm a con, whatever. They should ask for ID ahead of time if they think they're protecting themselves but, asking for a license after the fact and not allowing me to make payments IS GOING TO HURT MY CREDIT and it is... not making me happy to put it politely. 

I am not the first. There's at least 2 or 3 other recent cases just on XXXX alone. Apparently lately, they're handing out cards and then revoking access once a balance is due. 

What this achieves, maybe you can figure out. It seems backwards to me but maybe there's some sort of logic I'm failing to see? 

The other 5 companies I bank/card with are all fine. Something is wrong with XXXX. 

I don't care about a card with a 500 dollar limit. I do care about my credit and 1 ) I am not sending my license to some random person, I've had my ID stolen at least twice. 2 ) I am not sending payment to a third-world country. I work with foreigners. It is not racism. It is someone getting paid 2 dollars an hour to answer phones. People get greedy. Our stuff gets stolen when provided to random places like this.

If it's really an american company, I should be able to pay in america. That sounds pretty XXXX  and please don't think of me as that backwards but really, it's true. If they aren't cons, I should just be able to pay my bill and not have all of this weird XXXX from them. 

There are no documents to attach as they will not let me switch off of paperless now. They will not provide paper statements without my license ....