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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal line of credit opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX in the amount of {$13000.00} ), a XXXX Credit card opened XX/XX/XXXX under the account # ( XXXX in the amount of {$35000.00} ), A XXXX XXXX  XXXX XXXX XXXX credit card opened XX/XX/XXXX under the account ( XXXX in the amount of {$20000.00} ), a XXXX XXXX XXXX XXXX XXXX Personal Loan opened on XX/XX/XXXX under the Account # ( XXXX in the amount of {$20000.00} ), A XXXX XXXXXXXX credit card opened on XX/XX/XXXX under the Account XXXX in the amount of {$6300.00} ), a XXXX Credit card open on XX/XX/XXXX under the Account # ( XXXX in the amount of {$2400.00} ), a XXXX Credit card opend on XX/XX/XXXX under the account # ( XXXX in the amount of {$9600.00} ), a line of Credit with XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the Account # ( XXXX in the amount of {$600.00} ) And XXXXXXXX XXXX opened XX/XX/XXXX Reference ID XXXX, XXXX XXXX XXXX opened XX/XX/XXXX under the account # XXXX in the amount of {$880.00} ) These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached 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, as reported. The aforementioned accounts, collections, showing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint reference number : XXXX, and reference number : 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 reporting, credit repair services, or other personal consumer reports

National Enterprise Systems has violated my rights under the Fair Credit Reporting Act by fraudulently and illegally placing an outdated account that is not mine into my credit report. The account, from XX/XX/XXXX, was placed into my credit report well over a decade later in XX/XX/XXXX when I discovered it. I have learned the account was charged off in XXXX when XXXX XXXX XXXX filed for and declared Chapter XXXX bankruptcy, going out of business. National Enterprise Systems refuses full transparency as I have asked for and refuses to provide me with the information that I have requested. Instead they told me to contact XXXX XXXX XXXX, which they know does not even exist. NES has also told me that they are not responsible for putting this into my credit report, when in fact it is them. Each time I file a dispute with XXXX, NES provides additional false information to them which I have documented. One example is how NES put into my credit report " Last payment made on XX/XX/XXXX '' to make it look like I was making payments. This is a complete fraud, abusive, unfair practice, and misrepresentation of debt by falsifying information to XXXX XXXX. NES refuses to supply me with further documentation showing the amount of this payment, method paid, and person responsible for paying it ... because it is an abuse of power which should be stripped away from National Enterprise Systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the accuracy of a repossession that appears on my credit report. It's from XXXX, but the repossession happened while I was incarcerated and had my identity stolen. The address listed on the repossession paperwork the company sent me has an address on it that I have never lived at. 
Furthermore the date has been re-aged. I have had no activity to this account since XXXX. 
Yet they are showing Date Last Active : XX/XX/XXXX XX/XX/XXXX on various reporting agencies. Neither date is correct. 
I also asked for a the following information and never received them : Original purchase price. 
Date and amount of all payments made. 
Date of repossession. 
Value of car at date of repossession. 
Amount the Car was auctioned off at. 

If this isn't removed from account due the fraud enacted with the re-aging of this accounts activity. I have proof that I was unable to to act on the account long before listed. If this matter and the requested paperwork is not provided, I will be retaining legal counsel, as I have already brought this matter to their attention, and are interested in this case.
Product: Debt collection

I have not received any correspondence from collection agency to validate this account. I disputed several times to get this information. I asked for information regarding by account XX/XX/2023. I have since not received any of the original signed documents. I am also requesting documentation that agency owns this debt, and can legally collect in North Carolina. Please remove this account from all 3 credit bureaus until information can be validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I found out that there is a negative on my credit, from XXXX XXXX. It shows that I owe {$1600.00} from an account that was paid in closed in XXXX. Apparently this was just reported on my credit. This was a shock as I have always gone to great strides to keep my credit good. I need to know why something that was paid 4-5 years ago is on my credit? I have talked with XXXX XXXX, they were n't able to help and referred me to TD bank ( they handled the retail card services for XXXX ). TD bank is the creditor that reported the inaccuracy however they have been nothing but difficult. I was hung up on at least 3 times and they were unable to give me an answer as to why someone with TD bank decided to put this inaccuracy on my credit after it has been paid and closed for years. There has to be some accountability from these companies, especially TD bank!! This situation has caused me to not be able to finance a car and countless hours of stress and phone calls etc. Now I 'm being told that I need to put a dispute in with all the credit companies and wait up to 90 days. This is NOT acceptable. I paid my bills. TB bank reported an inaccuracy and I ( the victim in all of this ) am now being told " sorry about your luck ''. I want this matter corrected and TD bank held accountable for their actions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate late payment entries on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I noticed late payment notations that I believe are incorrect and should be removed. 

The details of the disputed accounts are as follows : Creditor Name : XXXX XXXX XXXX Date of Alleged Late Payment ( s ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Creditor Name : XXXX XXXXXXXX Date of Alleged Late Payment ( s ) : XX/XX/XXXX, XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Date of Alleged Late Payment ( s ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I request that you investigate this matter and provide validation of these late payments. If the creditor can not verify the accuracy of these entries, I kindly ask for their removal from my credit report. 

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), the credit bureau is required to conduct a reasonable investigation of disputed information. If the information can not be verified, it must be corrected or removed within 30 days.

These late payment are hindering my ability to get approved for an apartment and a vehicle. Therefore keeping me from getting a reliable job to bring in more income. 

Thank you for your time and assistance.
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 

ENHANCED RECOVERY COMPANY ( XXXX XXXX XXXX XXXX XXXX XXXX**** Opened : XXXX XXXX XXXX Balance {$990.00}
Product: Bank account or service

I came to the Bank of America branch to cash the check that was Bank of America check. In order to cash the check I was told need to open account. I di n't want to set up it because BofA has only couple branches in the large XXXX XXXX, and its not convenient for me. Later I got a Statement with monthly service fee. I thought Bank will see that account was not funded and was not used, and will close it. Instead, Bank took advantage to charge another monthly service fee for the service that I did n't use. Recently I call to BofA customer service to request to reverse the " service '' fee and close account. Lady on the phone refused to give me her full name, as well as employee ID or any confirmation number. I know only her first name : XXXX. She said that I overdrawn account and need to pay. I told her I did n't spend any single penny from this account, its your Bank overdrawn my account by charging service fee for the service that I did n't use. I did n't use this account, I did n't use debit card, I did n't use Online banking, I did n't use anything. What kind of service do I have to pay if I did n't use anything? When I asked to talk to a manager or supervisor she decline my request too. It does n't look a good customer service, and it makes me very upset and makes me to file this complaint in hope you would able to help me, and to inform other people.
Product: Debt collection

I want to file a complaint concerning billing practices. During my eye exam in XX/XX/XXXX, I was quoted {$150.00}, but the billed amount was {$310.00}, creating a significant discrepancy. I have repeatedly requested a detailed itemized bill but have not received any response. 

Additionally, in XX/XX/XXXX, I received a debt collection notice from Midwest Service Bureau regarding the unresolved bill. I immediately informed them about the billing issue and sent a debt validation letter in XX/XX/XXXX and asked for an itemized bill, but they haven't provided one. 

I kindly request your assistance in resolving this matter and ensuring I receive the detailed itemized bill. Your prompt attention to this issue would be greatly appreciated.
Product: Debt collection

Credit Acceptance sent me a letter explaining that I agreed to terms and obligations that I did not agree to. This is complete Fraud on their part. I did not agree to a new payment schedule, I did not sign anything.
Product: Vehicle loan or lease

My car was repossessed in XXXX  and was sold and they still saying I owe XXXX its still in my credit also given notices about the car they just came and took it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and sent multiple letters to Equifax proving that a name, social security number, and several accounts listed belong to someone who is NOT me. I have provided them with legal documentation, such as copies of my driver 's license, social security card, and proof of address, indicating that this person 's information needs to be immediately removed from my reports. I have tried to resolve this over a period of approximately 7 months, and as of today 's date, I have been unsuccessful. They have not even had the courtesy to respond to me. When I call, I get transferred and then the call drops. 

I was recently turned down for a mortgage loan even though XXXX   and XXXX are reporting correctly with my scores in the 800 's.  However, since this other person has late payments on an existing mortgage loan, I was denied and I feel that I am being held hostage by the misreporting. 

This ongoing situation and being disregarded and ignored by Equifax has cost me not only financially, but emotionally and physically as well. All that I am asking is that someone takes three seconds out of their day to see that the name and social security number listed on my Equifax report is NOT ME and remove them and all other derogatory items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive complained several time on the debt which is not even mine, but clark county collection has insisted that it was. XXXX XXXX was the original creditor, that closed the account on XX/XX/2016 which is the time the statute of limitation should have started, not when clark county collection finally started reporting it on XX/XX/2016. so this has illegally been reaged to keep it open longer than the law allows. XXXX is still illegally showing it as open.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXX Balance {$73.00} XXXX XXXX XXXX Balance {$19000.00} XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX Balance {$5800.00} XXXX COLL XXXX Balance {$170.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXBalance {$0.00} XXXX XXXX XXXXBalance {$0.00} XXXX XXXX XXXX Balance {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received a notification a few weeks ago I had a new collection which was odd but was on the road XXXX XXXX. It wasn't until I got home I realize there really was a collection and it was not mine. Looking closer at my reports I saw a number of accounts that were a result of identity theft that have been disputed in the past still remain. 

with XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/2017XXXX Department Stores XXXX XXXX Department Stores XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX  XXXX ( Inquiry ) with XXXX XXXX   XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  XXXX Department Stores XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/2017 XXXX Department Stores XXXX XXXX ( Inquiry ) XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX  XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( inquiry ) XXXX XXXX ( Inquiry ) with experian XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Department Stores XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/2017 XXXX Department Stores XXXX XXXX ( Inquiry ) XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX  ( inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( Inquiry )
Product: Debt collection

A charge off is a Certificate of indebtedness which means it is income it must be removed. XXXX XXXX XXXX XXXX is in violation of privacy act 1974, I didnt give XXXX XXXX XXXX XXXX Consent to report my personal information I also dont remember doing any business with this company, do to XXXX XXXX XXXX XXXX violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX, Transunion and XXXX other fraud has been committed under my name. Please show me where I gave XXXX XXXX XXXX XXXX the consent to share my personal information to these institutions. 15 U.S.C 6501-15 U.S.C 6505.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding my personal information being compromised due to the Experian data breach that occurred. As a result of this breach, my sensitive data, including my full name, Social Security number, date of birth, and other personal information, was exposed and used by unauthorized individuals to open fraudulent accounts in my name without my consent. 

I have contacted Experian multiple times to report the fraud and to request that the fraudulent accounts be blocked and deleted. However, my efforts have not resulted in a timely or adequate resolution. I am seeking your assistance in resolving this matter.
Product: Student loan

Today, XX/XX/year> I contacted Navient to ask for an application to have a refund for my student loans paid over the last about 30 years. I just found out last night by reading a website online that I can actually do this. 

I did not know this was an option for me to apply for previously. They declined to send me an application. 

However, I found one on a different website, completed it and sent it in to them today. 

My complaint is that they denied me the right to apply for a refund. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX XXXX XXXX XXXX Bridgecrest Subject : Demand for Immediate Removal of Inaccurate Repossession Information Under FCRA Violations and Failure to Validate Debt To Whom It XXXX Concern, I am writing to formally demand the immediate removal of the repossession notation on my consumer credit report related to [ XXXX XXXX  ]. Despite my prior complaint to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>, your company has failed to provide adequate verification under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

Violations Cited : XXXX. Failure to Provide Debt Validation ( XXXX of the FDCPA ) : I requested validation of the alleged debt and a copy of the original contract with my wet ink signature. To date, you have not provided this documentation, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). Without proper validation, you have no legal basis to report or collect this debt. 
XXXX. Permissible Purpose Violation ( XXXX of the FCRA ) : You are required to have a permissible purpose to furnish negative information to my consumer report. I have yet to see any documentation proving that you had my consent or any legitimate purpose to report this repossession. Furnishing information without a permissible purpose is a direct violation of the FCRA. 
XXXX. Accuracy and Completeness of Information ( XXXX of the FCRA ) : Credit furnishers are legally obligated to ensure the accuracy and completeness of reported information. Your failure to provide the original signed contract raises serious concerns about the accuracy of this repossession entry. 

Legal Consequences of Non-Compliance : You are hereby on notice that if you do not remove the inaccurate repossession entry within 15 days of receiving this letter, I will pursue the following actions : 1. File a formal complaint with the CFPB, Federal Trade Commission ( FTC ), and my State Attorney Generals office regarding your FCRA and FDCPA violations.

2. Seek legal action for damages under 15 U.S.C. 1681n and 15 U.S.C. 1681o, which provide for actual damages, statutory damages, punitive damages, and attorneys fees for willful and negligent non-compliance with the FCRA.

This letter serves as an official demand for the immediate removal of the repossession from all credit reporting agencies. Failure to comply will result in swift legal action. 

Please send all correspondence and confirmation of deletion to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX 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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00} Late/Open XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Late/Open Inquiry in Dispute : XXXX XX/XX/XXXX XXXX XX/XX/XXXX