23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a victim of identity theft. I recently received an updated copy of my credit report and found the following collection account that does not belong to me. The collection account is EOS CCA and the original creditor is XXXX. I previously submitted identity theft documentation to XXXX including a copy of the police report and the FTC identity theft report. XXXX responded apologizing for opening the account and told me they would cease the collection efforts. Copies of the police report and FTC identity theft report have been forward to all three credit bureaus and the CFPB has a copies for their records as well.
Product: Credit reporting or other personal consumer reports

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : | have recently been informed that there is negative information reported by US BKPT CT XXXX  XXXX XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this court listing with Reference # XXXX filed on XX/XX/XXXX. The entry with Reference XXXX filed on XX/XX/XXXX with this court appears to be inaccurate. Apparently, not on was the case never discharged.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 RE : Request for Removal of Inaccurate Derogatory Information from Consumer Credit Report To Whom It May Concern : I am writing to bring to your attention a matter of significant concern regarding the accuracy of information contained within my consumer credit report. It has come to my attention that certain derogatory information, specifically pertaining to XXXX account XXXX, continues to be reported inaccurately on my credit file. 
I must emphasize the gravity of this situation, as it is not only a breach of federal laws and statutes but also a violation of my rights as a consumer. Upon disputing the aforementioned account with XXXX, it was promptly removed from my credit files due to an inability to verify or validate its accuracy. 
In accordance with the procedures outlined in 15 U.S.C. 1681i and its subsections, I have diligently pursued the removal of this disputed account from all relevant consumer reporting agencies. Despite my repeated efforts and requests, XXXX has thus far failed to acknowledge or act upon my legitimate concerns. 
Furthermore, it has come to my attention that the reporting of this account may also be in violation of IRS debt cancellation regulations. According to IRS guidelines, cancelled debt income, such as that resulting from a charge-off or collection, should not be reported on a consumer 's credit report. Given that XXXX has already acknowledged and corrected this error, I expect XXXX to do the same without further delay. 
I urge you to take immediate action to rectify this situation by removing the inaccurate and misleading information from my credit file. Failure to do so may result in further escalation of this matter, including potential consumer or legal complaints. 
Enclosed with this letter, you will find a copy of my credit report highlighting the violations, as well as documentation confirming the removal of this account by other consumer reporting agencies. As well as the General Debt Cancellation from the IRS. 
Thank you for your prompt attention to this matter. I trust that you will address this issue with the seriousness and urgency it deserves. 
Sincerely, XXXX XXXX [ Enclosures : Copy of credit report, documentation of removal by other consumer reporting agencies ] Please note that a copy of this letter has been sent via certified mail to ensure its receipt and has also been forwarded to the U.S. Bankruptcy Court of California for their records.
Product: Consumer Loan

I took out a installment loan with the understanding that I would pay it back early to avoid the ridiculous interest payments which in total would be 3 times the amount borrowed. I tried contacting the company on several occasions but was unable to reach someone. one person who calls himself a supervisor spoke with me and I was told I could not pay loan off early. This company is a total ripoff and there is no way I would have taken the loan with the intention o repaying 3 times the amount borrowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been paid through court ordered wage garnishments and should not be able to continue trying to collect from me. I have disputed through the XXXX and asked for removal from my credit file. They have come back as accurate and verified. The information posted has caused me great loss. The inability to find adequate housing, the credit denials. I would like this account removed from my credit report immediately and will be seeking legal counsel for the XXXX that have reported this information erroneously. I also will be filing a complaint with the FTC and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All XXXX penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

" Potentially Impacted '' by the recent Equifax security breach
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and Transunion credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$36000.00XXXX XXXX XXXX XXXX XXXX Balance : {$36000.00}
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Charge-Off XXXX XXXX  ( Account # XXXX ) I am filing a complaint regarding an incorrect charge-off entry for my XXXX XXXX  account ( Account Number : XXXX ) showing a balance of {$8600.00}. This account is listed as a charge-off with the last payment made in XX/XX/year>2020. 

Key Points : Violation of FCRA : Under the Fair Credit Reporting Act ( FCRA ), XXXX  is required to report accurate information. If this charge-off is inaccurate or can not be verified, it must be removed from my credit report. The FCRA mandates that if information is disputed, the credit bureau must investigate and remove unverifiable information. ( See FCRA 15 U.S.C. 1681XXXX ( a ) and XXXX v. Experian ). 

COVID-19 and CARES Act Compliance : This account was charged off during the COVID-19 pandemic. Under the CARES Act ( Pub. L. 116-136, Section 4021 ), if I requested a hardship accommodation due to financial difficulty caused by government shutdowns, XXXX was required to report my account as current and not as a charge-off. I demand verification that XXXX complied with the CARES Act and reported my account as current during any accommodation period. 

Florida Consumer Protection Laws : Under Florida Statutes, specifically Fla. Stat. 559.55 ( FCCPA ) and Fla. Stat. 817.566 ( Fraudulent Credit Reporting ), XXXX must report accurate information. If the charge-off is inaccurate or unverifiable, it constitutes a violation of Florida law , and the entry must be removed. 

Resolution : I am requesting the immediate removal of this charge-off entry from my credit report. If Experian and XXXX can not provide proper documentation to substantiate this charge-off, it must be deleted immediately. If this issue is not resolved within 15 days, I will pursue further action, including filing complaints with the FTC, Florida Attorney General, and seeking legal remedies under FCRA.
Product: Checking or savings account

On XX/XX/year> XXXX XXXX XXXX tried to open a checkings account with Suncoast credit union, I received adverse action notice via mail, request for membership was denied stating at this time we are unable to offer membership. Reason for the denial was unable to verify my identity, Suncoast credit union looked for my identity through the three credit bureaus XXXX, XXXX, XXXX, was unable to determine my identity I had a freeze on all credit reports, they then took it upon themselves to go through XXXX XXXX XXXX, my problem with the whole issue is the bank could have made better decisions on my requests for membership by calling me or sending me a letter stating they were unable to verify my identity or something, they did not have to go through XXXX XXXX XXXX I've never even heard of them before they gave them a report of credit score /blank, Scores range from XXXX - XXXX I know that on the FCRA act they should have not went to any other resources to confirm any of my information, my credit score should not reflect on my chances of optaning a checkings account. Wich is why I am reaching out to file a complaint I feel I was discriminated due to my credit report being frozen and my privacy was invaded when sent through another company to obtain my information a simple phone call was all the bank had tu do I provided all my personal info, cell number, SSN, address, dob, martial status, etc
Product: Credit reporting

Experian continues to report an illegally obtained/fraudulent account from XXXX XXXX XXXXThe original account, XXXX, was paid in full and closed on XX/XX/2009. This account is currently reporting positively to all XXXX bureaus on my file. XXXX XXXX XXXX, without any prior warning, opens a NEW collections account from this old paid and closed account- and begins reporting it as an open, past due collections account. 

FIRST, I do not owe this money. This account was settled and paid in full in 2009 directly with XXXX. 

SECOND, this account is LONG past the statute of limitations in TX ( 4 years ). It is absolutely 100 % illegal for them to continue to report this. I just purchased a new vehicle in the last month, and because this illegal debt collector has added this account to my report, i was not only DECLINED for credit, but it SEVERELY and ADVERSELY affected my interest rate. 

Now, I have incurred damages as a result of this fraudulent collections account and will need to refinance my new vehicle loan as a result, once this is deleted. 

I *will* be pursuing additional legal action after this complaint has been addressed with CFPB, if necessary.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX {$630.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XX/XX/XXXX {$0.00} UXXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XX/XX/XXXX {$2600.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$500.00} Late Payment : XXXX XXXX  XXXX XXXX XX/XX/XXXX {$310.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$1200.00}
Product: Vehicle loan or lease

I have a loan with United Bank. Each month I've been applying several hundred dollars that should be applied to principal. United Bank has been charging me daily interest on the principle amount. Additionally, if I were to make an extra payment during the month toward the principal, the principal would also be charged interest fees.
Product: Money transfer, virtual currency, or money service

ON XXXX XXXX I RECEIVED AN EMAIL FROM " XXXXXXXX XXXX '' STATING I WAS CHARGED {$350.00} FOR SERVICE AND THAT IF I DIDNT WANT THE SERVICE TO CALL XXXX. I CALLED THE NUMBER AND " XXXX XXXX '' TOLD ME HE NEEDED TO ACCESS MY ACCOUNT THROUGH MY COMPUTER. HE THEN SHOWED ME A SMALL BLACK SCREEN TO TYPE MY NAME AND THE AMOUNT OF {$350.00}. HE OBSOLETED THE DECIMAL LEAVING AN AMOUNT OF {$35000.00}. HE TOLD ME HE MADE AN ERROR AND REFUNDED ME {$35000.00} INSTEAD OF {$350.00} AND THAT I NEEDED TO GO TO THE BANK IMMEDIATLY TO WIRE THE MONEY BACK. HE COACHED ME TO SAY " THAT HE WAS A FAMILY FRIEND ''. XXXX XXXX XXXX FROM WELLS FARGO ASSISTED ME. HE ONLY ASKED ONE QUESTION ... '' DO YOU KNOW THIS PERSON? '' HE NEVER PULLED MY 30YRS OF BANKING WITH WELLS FARGO HISTORY TO SEE THAT IVE NEVER MADE THESE TRANSACTIONS IN THE PAST. I WAS OBVIOUSLY IN DISTRESS AND HE FAILED TO PROTECT MY ACCOUNT. THE WIRE TRANSFER OF {$34000.00} WAS INITIATED WITHOUT EXTENSIVE VERIFICATION. XXXX COULDVE TAKEN THE EXTRA STEP AND ASKED TO PHONE A FAMILY MEMBER. 
I WENT BACK HOME WHERE XXXX XXXX PHONED ME AGAIN. HE TOLD ME " NOT '' TO ACCESS MY COMPUTER OR BANK AT ALL OTHERWISE I WOULD LOSE ALL MY MONEY. AROUND XXXX I CALLED MY DAUGHTER TO TELL HER WHAT HAPPENED. SHE IMMEDIATLY BECAME DISTRESSED AND RUSHED TO MY HOUSE. WHEN SHE GOT THERE I WAS ON THE PHONE WITH XXXX AND HE TOLD HER THE SAME, NOT TO DO ANYTHING. SHE KNEW THIS WAS A SCAM. WE CALLED WELLS FARGO FRAUD DEPT AND FILED A CLAIM. XXXX FROM WELLS FARGO CLOSED MY ACCOUNTS AND OPENED A CASE REGARDING THIS MATTER. WELLS FARGO HAS FAILED TO RETURN MY MONEY. I AM A RETIRED WIDOW AND THIS WAS MY LIFE SAVINGS. THIS IS ELDER FINANCIAL EXPLOITATION. THIS IS ELDER ABUSE AND HAS CAUSED EXTREME XXXX AND ANXIETY. I DONT FEEL SAFE OR SECURE BANKING WITH WELLS FARGO. IVE SPOKEN TO A PREVIOUS " XXXX XXXX '' EMPLOYEE OF WELLS FARGO AND SHE TOLD ME PROTOCAL WAS " NOT '' FOLLOWED TO PROTECT ITS CUSTOMER
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed there are discrepancies in the status of the account for a balance from XX/XX/XXXX. The balance of {$6300.00} is showing closed with a {$0.00} balance on my XXXX and XXXX credit report but is showing still open when I pull my Transunion report. This debt is past 7 years old and is showing inconsistent reporting on my credit file. Please help me clear this issue.
Product: Credit card

Today XX/XX/XXXX, I have received an email from CapitalOne QuickSilver saying I missed XXXX payments with a total of {$32.00}. Since I had not used the card for a long time, I did not know there was a charge. So I logged into the app, then found out there was a charge on XX/XX/XXXX of {$16.00}. Because there is no alert from the app ( usually have ) and no email alert, I was not aware there was a charge. Then it kept accumulating late fees for XXXX and XXXX. That accumulated up to {$62.00}. I called CapitalOne and complained. 

First. I never made the charge, so that was a fraud case Second. I have not received ANY ALERT whatsoever in any form ( they used to do that ) and it accumulated all the late charges and the most important it will report to my credit bureau and hurt my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The letters are stated with items and issues. 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 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: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have never dealt with Diversified Consultants or the company XXXX that you represent. I have never ever had any obligations to pay either of you to owe you anything. I have never signed any documents that would bind me into any agreement with either you. Diversified has never even contacted me concerning this account to give me my right to dispute  the validity of this account. Please remove from my credit file immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. In which All 3 major Credit reporting agencies has already been notified of. I've submitted copies of my police report to inform each credit reporting agency. Experian has failed to comply with my written notice to them requesting to investigate and remove unauthorized inquiries on my report. I've written in details, requesting for the following companies inquiries to be removed from my credit report. As each inquiry was UNAUTHORIZED. Therefore, these items need to be removed. I would like for this matter to be investigated. Please see listed UNAUTHORIZED companies inquiries below. 

Unauthorized Inquiries 1. XXXXXXXX XXXX XX/XX/XXXX 2. XXXX/ XXXX XXXX XX/XX/XXXX3. XXXX / XXXX XXXX  XXXX XX/XX/XXXX 4.XXXX - XX/XX/XXXX 5. XXXX   XXXX - XX/XX/XXXX 6.XXXX/ XXXX XXXX XX/XX/XXXX
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 Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$450.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXXXXXX  Balance : {$32000.00}, Bankruptcy XXXX XXXXXXXX Reference XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the hard inquiries listed on my credit report provided by Transunion as allowed under the Fair Credit Reporting Act, 15 U.S.C. 1681. I have identified several inquiries that are inaccurate and request their immediate removal from my credit report. I have not authorized any of these companies listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that these discrepancies are investigated promptly and remove the inaccurate inquiries from my credit report.