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

I am writing to express my deep concern and frustration concerning the ongoing issues I have been experiencing while trying to remove fraudulent items from my credit file with Experian, XXXX and XXXX Credit Bureaus. These fraudulent items have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. I believe it is essential to provide an overview of the numerous attempts I have made : I first noticed the fraudulent items on my credit file and promptly contacted Experian, XXXX and XXXX Credit Bureaus. I explained the situation and submitted the required documentation. I was assured that the issue would be corrected promptly. After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the fraudulent items from my credit file. I contacted Experian, XXXX and XXXX Credit Bureaus again, only to be told that my case was still under investigation, with no further information provided. 
This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with XXXX and XXXX Credit Bureau 's requests. I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXXXXXX XXXX  XXXX Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$3700.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX & XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. My information has been exposed in the XXXX data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. 

XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00}
Product: Debt collection

Then XXXX visible leaders I have been auditing Capital One I sent out a third degree authorization letter for a cease and desist for a hardship Capital One standard operating procedures on multiple accounts is only adhering to it's on Criminal exercises period this is no longer a consumer violation I am taking into Supreme Court for elderly abuse on my mother because they're filing a lawsuit on an elderly woman they would never file lawsuits on anybody else and they're only filing a lawsuit on her because why because she sent in our letter of hardship and guess what else I would like to request all records of Capital One how many dirty debtors did they resell it to I need my forms my 1099-C immediately I need it to be deleted off my account immediately there's a statute of limitations I have 20 Page Long case origination I'm ready to take to sue thank you very much and this is going to be on RICO Act you guys commit crime on a regular basis day-to-day as your standard operating procedure that you don't even know that this is a criminal act of Rico Act. if you don't believe me just wait till I see what charges that you're based on and how many counts you guys conjure everyday
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing this wrong inaccurate info on my report today I do not know what this is I contacted the creditors and credit companies but they all provided me with no information showing i gave my consent to open these accounts. 

XXXX  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: Vehicle loan or lease

Please see my previous complaint and the bank resolution. Your Submission to the FDIC Reference Number : XXXX After receving the XXXX documents, I have made multiple attempts to get a hold of someone at First citizen bank through email but no one responses. I have sent the documents 3 times already so the fees can be waived but they dont seem to care and unjustly profit of their clients through charging fees. 

XXXX XXXX ; XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX for committing identity theft. On XX/XX/2022 I checked my credit and seen that a collection was placed on my credit. I have never given XXXX XXXX XXXX ANY permission to use any of my identifying information to commit fraud. I have never received any correspondence from XXXX  XXXX XXXX  about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX XXXX  can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX  will be held criminally liable for aggravated identity theft pursuant 18 USC 1028A, extortion, theft by deception and securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies that I submitted have made inquiries on my account without my knowledge and have chosen after receiving my first complaint to leave them there due to specifics instead of verifying that it was allowed initially ; which is unlawful. 

15 USC 1681 a 2 ( A ) i
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a {$410.00} unpaid debt to Diversified Consultants. I contacted them, who said it is a XXXX account and that XXXX is in charge of the account. I contacted them and was informed it was in collections. I contacted the Collection Agency who said there was no record of this account and to contact XXXX. This a fraud account from XXXX for XXXX service at a Michigan address. I have been XXXX XXXX military since XXXX, and in XXXX I was stationed in California, so there is no way this account was mine. In XXXX I became aware of this and filed disputes with all 3 credit bureaus. XXXX and XXXX  removed it from my credit report in XXXX, but XXXX is still reporting it. I need this removed from my credit report.
Product: Payday loan, title loan, or personal loan

I applied for a PPP for my business in XX/XX/XXXX and provide all documents. Sent information to XXXX XXXX and others with the PPP of XXXX XXXX XXXX I kept asking about the status of my loan. My cares XXXX and loan number of XXXX I spoke to XXXX and they said I was approved. My loan was getting processed. I just missed out on my XXXX XXXX government contract because of XXXX XXXX XXXX  dropped the ball. they left me a message at XXXX XXXX on XX/XX/XXXX telling me to reapply.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX in currently reporting and updating on my credit file. This account was included in my Bankruptcy # XXXX in 2014. They are in clear violation of the Bankruptcy Law Act for updating on my account every month, and this needs to be removed off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. I submitted my first complaint on XXXX XXXX XXXX secornd complaint on XXXX XXXX XXXX  I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed ( XXXX Credit card with account XXXX  XXXX and XXXX : account XXXX  XXXX ). According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associate of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 ( 7 ) states everything has to be 100 % Accurate. I have the credit report showing inaccurate. 
I believe that the information reported is incorrect and does not accurately reflect my credit history. I and requesting that you investigate and correct the errors as per my rights under the Fair Credit Reporting Act ( FCRA ). 
To support my dispute, I have enclosed copies of relevant documents such as my driver license and prove of address. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX XXXX for Inaccurate Reporting, Failure to Validate Debt, and Possible Tax Violations Dear CFPB, This is a formal complaint against XXXXXXXX XXXX  regarding the account number ending in XXXX XXXXXXXX under the name of XXXX XXXX. I believe XXXXXXXX XXXX is in violation of several provisions of the Fair Credit Reporting Act ( FCRA ) and other federal regulations due to their ongoing inaccurate reporting, failure to validate a disputed debt, and potential tax fraud. 

1. Summary of Issues : XXXX XXXX has reported a charge-off of {$9200.00} on my credit report as of XX/XX/XXXX. 
Despite the charge-off, XXXXXXXX XXXX continues to report the account as charged-off every month from XXXX to XXXX, which is factually inaccurate and misleading. 
XXXXXXXX XXXX has failed to validate the debt after receiving a formal validation request. 
There is a discrepancy in the balance amounts reported to different credit bureaus. 
Experian : Reporting a balance of {$1300.00}. 
XXXX : Reporting a balance of {$1900.00}. 
XXXXXXXX XXXX has not issued a Form 1099-C, which raises concerns about whether they took a tax deduction for the charged-off debt without notifying the IRS or the debtor .

2. Violations Cited : 1. FCRA Violation : XXXX XXXX is inaccurately reporting the account status as charged-off for several years, which misrepresents the accounts status and payment history. 
XXXX. Debt Validation Failure : XXXXXXXX XXXX failed to provide documentation or verification of the alleged debt after a formal request from the consumer. 
XXXX. Potential Tax Violation : If XXXXXXXX XXXX took a tax deduction for the charged-off amount without issuing a Form 1099-C, it constitutes a violation of IRS reporting requirements. As Im prepared to file an IRS Form 3494-A. As well as an Arbitration Demand. 

Additionally, XXXXXXXX XXXX 10-K filing suggests that the debt may have been securitized, meaning XXXX may no longer legally own the debt to report it to credit bureaus. Reporting such a debt as charged-off when the bank has already taken a tax deduction or sold the debt constitutes double recovery and is a potential violation of IRS regulations .

Key issues : Inconsistent balances across credit bureaus.

Continued reporting without debt validation. 
XXXXXXXX XXXX potentially no longer owns the debt due to securitization. 
Possible tax violations if XXXX took a charge-off deduction without issuing a 1099-C.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX, Louisiana XXXX Date of Birth : XX/XX/XXXXXXXX  SS # : XXXX XX/XX/XXXX Re : CFPB- TransUnion Expedite Complaint : As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), and a letter from an advocacy group helping me due to XXXX  XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.412 ( b ) ( 7 ). 



I have provided my photo ID along with the other required documents. 



I kindly request that you block this information from my credit reports within 4 business days, pursuant to section 605C of The Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law which I have provided all my documentation as well as victim determination letter according to 1002.142 ( b ) ( 6 ). 



I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY TRANSUNION LLC. 



1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

On XX/XX/XXXX, I received the attached letter from a company called XXXX XXXX XXXX attempting to collect on a debt for an XXXX account from XXXX plus years ago. I have filed a CFPB complaint with XXXX on a prior collection attempt from 3 years ago and they sent me a letter RE : CFPB Case # XXXX on XX/XX/XXXX stating that their records do not show this debt. This company XXXX XXXX XXXX XXXX is constantly calling myself and my relatives and tries to collect on a debt that would be time barred if it was real. They are in violation of consumer law section 1006.26 ( Collection of TimXXXX Barred Debts ) which states that ( b ) Legal actions and threats of legal actions is strictly prohibited. A debt collector must not bring or threaten to bring a legal action against a consumer to collect a time barred debt. The attached letter received today is a direct violation of this rule. It has a series of references to XXXX, XXXX, Bank XXXX and lawsuits. I filed an additional complaint against XXXX as they are listed as the original creditor on this letter. However, they responded that they have no record of this debt and that we must reach out to Capital One as they may have bought this debt from XXXX. Please see attached letters. I need to have Capital One confirm that this debt never existed in their records and this collection effort is not on behalf of their company.
Product: Debt collection

I have been getting private calls from this company for about a month.They leave prerecorded messages stating a file has been placed on there desk if I dont call back by close of business they are going to take legal action. The 1st call today XX/XX/20 was around XXXX or XXXX, the 2nd call was around XXXX. I auto dialed them back advised the rep that I spoke to a rep last week told them to stop calling my cell number contact me by mail. The lady stated they have not called me I advised her you call everyday and leave messages dont call me again. I asked for her name and number she said XXXX at ext XXXX. XXXX. She gave me her last name I was too heated to write it down. I advised her I was going to report the company. She said you owe a debt, she called me a name, I hung up. She called right back at XXXX I answered what, she said you are stupid. I said it takes one too know one and hung up. The name from the number she called back on says XXXX XXXX That was unnecessary and harrassment, not to mention very unprofessional. I know there are laws against this, ( 3 ) calls from the same company less than an hour,  threathening messages, and harrassment. She needs to lose her job and the company needs to be fined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some inquiries on my credit report that do not belong to me.
Product: Vehicle loan or lease

I've been making my payments on time and applying additional principal to my payments. My principal applied to my payments had been going up why interest going down but my last payment, the principal decreased and interest rose. My monthly payment is XXXX and I originally was paying XXXX. I found out after doing this, they weren't applying the additional money to principal by just reducing my next month 's payment. So I called and they told me that I would have to call them and have the payment changed to reflect the additional principal to come out, which I did. Here how payments were applied. 

DATE ACTIVITY AMOUNT - XX/XX/XXXX Payment received. {$720.00} ( {$650.00} principal + {$67.00} interest ) XX/XX/XXXX XXXX {$60.00} XXXX Payment received. {$780.00} ( {$680.00} principal + {$100.00} interest ) XXXX Payment received. {$780.00} ( {$680.00} principal + {$100.00} interest ) XX/XX/XXXX Payment received. {$720.00} ( I made payment of {$800.00} ) ( {$550.00} principal + {$160.00} interest ) XX/XX/XXXX XXXX  {$73.00} As you can see, my XX/XX/XXXX had less principal applied and interest increased
Product: Credit reporting or other personal consumer reports

This is my 4th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  NY XXXX XX/XX/XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$59000.00} XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXXXXXX XXXX XXXX Balance : {$58000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance XXXX {$810.00} XXXX XXXX XXXX XXXX Balance : {$59000.00} XXXX XXXX XXXXXXXX Balance : {$5300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$58000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance : {$59000.00} XXXX XXXX XXXXXXXX Balance : {$5300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$58000.00}
Product: Credit reporting or other personal consumer reports

I am getting a number of unknown credit inquiries starting XX/XX/year>. Maybe someone is trying to get a loan or credit?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, there was written correspondence ( Commercial Affidavit ) mailed out to the Credit Reporting Agency Equifax, Incorporated. The notice was mailed overnight and got confirmation it was received. I explained very thoroughly about the information within the Consumer Credit File was incorrect and needed to be removed IMMEDIATELY, as it was causing major harm to a Federally Protected Consumer. It is denying me the RIGHTS that are granted to me to secure what is needed for family, personal and household purposes. I also included the account information that I wanted to be removed because the information was wrong and the third party debt collector had no verification or validation that the alleged debt was owed but Equifax , Inc decided to furnish the information anyways without any prior written consent and pursuant to15 U.S. Code 1681b - Permissible purposes of consumer reports they are in direct violation. I gave notice of my fee schedule for Equifax , Inc being willfully noncompliant by furnishing consumer credit files that are misleading and false. I have attached the letter that was mailed and also an invoice.
Product: Debt collection

I received a phone call from Central State Recovery in XXXX Kansas. She stated that I owed a medical bill of {$180.00}. I paid {$90.00} and due was due to pay another {$90.00}. Due to fraud on my bank account and XXXX Insurance data breach and credit card fraud. My accounts were closed. I received a text message from my previous employer stating XXXX XXXX contacted his wife at home in reference to this account. I called the number and was informed of a returned check. I advised that it should not have been returned. Due to the fraud on my account nothing was clearing my checking account. I asked how they contacted this lady whom I have seen XXXX time in XXXX years and does not know me and they said they just did a XXXX Search and obtained the number. XXXX Search lists over XXXX numbers on file and they contacted several numbers leaving my name and information on voicemails. When I spoke to the manager she stated that they did nothing wrong and I should have had XXXX numbers on file and this would not have happened. I advised her I received no call in reference to this. I have NEVER received ANY letter validating the debt and they to date have not provided XXXX. They submitted the {$90.00} to my credit report of a debt that I have no letters confirming my rights as a consumer or the debt company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo CRD SVC on XX/XX/20 a hard pull was completed on my XXXX  credit file of which i do not recognize I am very upset regarding this pull as it has damaged my score.