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

Dear XXXX Credit Bureau Executives, I am letting you know about an issue I have noticed in my credit report. Unfortunately, I have been a victim of identity theft and fraud, which has resulted in my involvement in three data breaches so far. I have been working with your team and other organizations to rectify my credit reports and other information. However, I have recently noticed that a fraudulent account belonging to XXXX XXXX XXXX XXXX has reappeared on my credit report, even though it was previously removed. 

I want to emphasize that this account and balance are not mine, and I have already taken the necessary steps to remove them from my credit report. I would appreciate it if you could address this issue as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX California XXXX From : XXXX XXXX XXXX Sent : Monday, XX/XX/year> XXXXXXXX XXXX To : XXXX XXXX XXXX Subject : XXXX Sent from my XXXX
Product: Debt collection

My identity was stolen and I have a bunch of accounts in collections. My credit score is crushed! 

XXXX XXXX XXXX XXXX XXXX - XX/XX/15 - {$75.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/15 - {$75.00}
Product: Debt collection

On behalf as an consumer ( Debtor ), I am informing you that an creditor ( XXXX  XXXX, LVNV Funding Sherman financial group, LLC etc. ) is bankrupt .To which requires the entity to notify credit reporting agencies of all debts status to be changed from a charged off to being subjected to the bankruptcy discharge. ( a ) A discharge in a case under this title ( 1 ) voids any judgment at any time obtained, to the extent that such judgment is a determination of the personal liability of the debtor with respect to any debt discharged under section 727, 944, 1141, 1192, 1228, or 1328 of this title, whether or not discharge of such debt is waived ; ( 2 ) operates as an injunction against the commencement or continuation of an action, the employment of process, or an act, to collect, recover or offset any such debt as a personal liability of the debtor, whether or not discharge of such debt is waived ; and ( 3 ) operates as an injunction against the commencement or continuation of an action, the employment of process, or an act, to collect or recover from, or offset against, property of the debtor of the kind specified in section 541 ( a ) ( 2 ) of this title that is acquired after the commencement of the case, on account of any allowable community claim, except a community claim that is excepted from discharge under section 523, 1192, 1228 ( a ) ( 1 ), or 1328 ( a ) ( 1 ), or that would be so excepted, determined in accordance with the provisions of sections 523 ( c ) and 523 ( d ) of this title, in a case concerning the debtors spouse commenced on the date of the filing of the petition in the case concerning the debtor, whether or not discharge of the debt based on such community claim is waived. 
Also in reference of 11 U.S Code 727 ( b ) A bankruptcy discharge relieves a consumer of any legal obligation to repay a discharged debt- in terms does not make the debtor liable of such debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Complaint Regarding Stall Letter from Equifax and Potential FCRA Violations Dear CFPB Team, I am writing to bring to your attention a matter concerning Equifax, XXXX of the major credit reporting agencies. On XX/XX/year>, I received a stall letter from Equifax, which indicates that they are stalling on my credit dispute. I believe it may indicate a violation of the Fair Credit Reporting Act ( FCRA ). 


Additionally, I am attaching a copy of my credit report from XXXX for your review. I believe these documents will help illustrate the violations I am referencing in this complaint. 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure compliance with the FCRA. 

Thank you for your attention to this important matter. If you need any further information or documentation, please feel free to contact me at the provided email address or phone number. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Earlier in 2023 all of my XXXX loans were forgiven as I was part of the XXXX XXXX XXXX All of my loans were XXXX out and this is reflected on my XXXX loan accounts, XXXX, and XXXX. However, it remains on my transunion. Transunion won't allow me to dispute it.
Product: Credit reporting or other personal consumer reports

A complany called " '' Upstart Netw '' is inaccurately reporting information on my credit report which is damaginf my credit and affecting my ability to increase my credit score. this company is reporting inaccurate balances, dates of last activity, dates reported, and last payment status. This is a violation of the FCRA and FDCPA.
Product: Debt collection

Upon checking my credit report I noticed that I have a ding on my report for something That should not be there. This account was closed years ago due to the fact that the fitness club did not open within a reasonable timeframe from when I signed up. I moved out of state and notified them that there was not a club near my home and for that reason, I was informed that my account would be closed. In addition to the aforementioned, I never received a " dunning letter '' or anything notifying me of this alleged debt prior to it being placed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXXm XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I am writing to address a critical matter regarding the utilization information currently reporting cross my credit files. Utilization is an experience with a line of credit that was extended between me, the consumer and Achieve Loans. Under 15 USC 1681 2a1, Congress explicitly states that utilization data should NOT be included on consumer reports. This statute mandates that such information must be removed promptly, as I have not given consent to Achieve Personal loans to report.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Payday loan

A company called XXXX XXXX keeps calling " No Caller ID '' but once left a number of XXXX, the cuss at me and per the voicemail states " This XXXX is over '' and keep using false names such as a sheriff, a detective and the same lady keeps calling changing her name. The first time she used XXXX XXXX. She keeps stating she is picking up for warrants and I have no warrants. She states she will be at my house within the hour and they do n't show. Her scare tactics are very uncomfortable that she is acting as a legal community servant. I am contacting a lawyer to try and stop the harassment. They have also called my job which I am not sure how they got the number and release information about this matter to coworkers about my financial debt. They have not mailed me anything or emailed me documentation but still call every other day harassing me as well as my mothers cell phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized and unrecognized hard inquiries on TransUnion credit report for activity dated XX/XX/2021. I have requested validation of authorization from TransUnion. 

Multiple request to have inquiries removed submitted to TransUnion. I requested validation via producing document with signature authorizing said transaction for each company.
Product: Credit reporting or other personal consumer reports

YOU HAVE NO MORE TIME TO FIX THE ISSUE : XXXX XXXX XXXX  Delete the account. OR provide me with the 1099, point of contact and how they verified the information even though it's not the same on all reports and how doing that can be considered accurate, as well as a notarized letter stating the CEO/CFO is aware of the issue and the debt is NOT already paid, been in collections, a tax write off or in que to be, and a pay to delete is not and has not been an option even though I should had been told it was.

Law 15 usc 1681 Treatment of inaccurate/verifable info 5A : 3a.Factual dispute : date of last activity, factual dispute : pmt Factual disputes inaccuracies : 1 reaging the account is illegal ( you did that ) 2 Misrepresentation of the account status ( Not unanimous ) 3 Not reflecting a 0 after sold/trans/paid ( its a charge off ) 4 Inconsistent balance across 3 bueros 5 DAte of first delquincy illegally changed ( switched when updated after I reported the account then changed back after it was " verified '' ) 6 Changes after 180 days charge off status ( you are still showing it as CO but there should be 0 updates on a closed account let alone a Charged off account.

This has took more than 30 days and I have the right to get it removed.

Attached is certifed mail from the company not responding to my request and you guys allowing it.

Another violation : THE DOCTRINE ENGELHARDT ( MO ) 281 SW 715./13.

I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, L OWE NO DEBT.

send gifOMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION PROORT Y IFORMAAIPMPER 15 USC 160468
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 Equifax 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. 

My information has been exposed in the data breach which seems to have resulted in the opening of multiple fraudulent accounts without my knowledge or consent. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, a credit card account opened by XXXX XXXX XX/XX/XXXX. And XXXX XXXX XXXX XXXX XXXX where the original creditor was XXXX opened on or around XX/XX/XXXX and XXXX XXXX account opened on XX/XX/XXXX. I also do not recognize XXXX XXXX XXXX, where the original creditor was XXXX XXXX opened on XX/XX/XXXX. These accounts have resulted in several fraudulent accounts and 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, or collections as reported. The aforementioned accounts, and collections inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and collections, are the result of identity theft and fraud. 

I have attached a copy of my identification, and my FTC Identity Theft Criminal Complaint # 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: Debt collection

I received a letter from Ability Recovery Services, dated XX/XX/XXXX, regarding tuition payment I owed to XXXX University. The letter I received stated that I owe {$2900.00}. Because of medical issues I was not able to pay the bill until XXXX. I started paying every week as I got paid. Based on the letter, I only owe {$470.00} to pay the account off. I have already paid {$2500.00}. I have submitted a dispute with XXXX and XXXX  because the amount I owed on my credit reports were not correct. On XXXX XXXX, I contacted the collection agency about correcting the amount owed on my credit report. They informed me that I owed XXXX XXXX plus dollars because of charges XXXX added to my account. However, the letter they sent me does not reflect that. I contacted XXXX they can not pay me the amount I owe. They are saying whatever the agency says I owe, that is what I owe. They could not even tell me the amount of charges that may have been added. I should have been told in the letter and up front when I call The collection agency to settle the account the amount if extra charges and fees were added. I have attached the letter I received and the records of my payments I received from XXXX.
Product: Payday loan, title loan, or personal loan

They got the vehicle and sold at auction and still trying to make me pay more then I got on the loan, 3d financial is a joke
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$680.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX A NATURAL-BORN PERSON. " In light of recent investigations brought upon XXXX, I find that my consumer file is being irresponsibly tampered with. Over the past 3 months, I have made several attempts to remind XXXX and TRANSUNION of their duty pursuant to 15 USC 1681. It appears that XXXX is intentionally and willfully neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, and promised accuracy in my report based on federal law. I am making this complaint as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A5 ) says that after the reinvestigation ... .... all of the unverified information must promptly be removed. They can see in their system that this account was previously disputed without being verified. XXXX AND TransUnion have violated my right to privacy I NEVER GAVE THEM Permissible purpose to Furnish any information on my behalf. under 15 USC 1681 ( a3 ) .They assumed this role without permission. They did not have my consent. They do not respect my right to privacy which is under 15 USC 1681 ( a4 ). The accounts being disputed are XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. Accounts disputed with Transunion are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My FCRA 15usc 1681 and HIPAA rights have now been violated and no one has done anything about it. I sent in written requests, but the credit bureaus keep losing my inquiries. Additionally, they are not updating my credit file that anything is in investigation, so it is as if they are purposely ignoring my requests. This is a violation. I was supposed to receive updates after 30 days and I should be able to see the accounts that are actively being investigated with a current status update, but this is not the case, and it has been more than 45 days. The current status of the dispute should have been recorded. Please do something about these 3 violations and they are getting away with committing toward me. 
The accounts that have no updates at 45 days and still have incomplete and inaccurate information on my credit file are the following : XXXX ) XXXX XXXX XXXX : Acct # XXXX account dates are different on Transunion XXXX XXXX and XXXX, since it is inaccurate and still incomplete this should have been removed no later than XXXX. 
XXXX ) XXXX XXXX XXXX : Acct # XXXX, Acct # XXXX, Acct # XXXX and Acct # XXXX these accounts amounts are different on XXXX of the credit bureaus. And one doesn't have an amount listed even close to the other XXXX. This is completely inaccurate and should have been removed or updated within 30 days. 

This is illegal and goes against the very Law book they advise they adhere to. No one responses to me in a timely manner, they do not update my current account status and they do not correct inaccurate and incomplete information. 

HELP.
Product: Credit reporting

There were a credit inquiry placed by XXXX XXXX of Delaware on XX/XX/XXXX. This should have been a " account review inquiry " and not a HARD INQUIRY placed on my credit report. I recently opened this account in XX/XX/XXXX so why would I purposely apply in less than 30 days?
Product: Checking or savings account

I called Navy Federal to request a refund for the over draft fees that they charged me for while allowing me to over draft my account. They told me that the fees are valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I am writing to dispute the following bankruptcy that is showing up as public records with TransUnion, XXXX and XXXX who has been reporting incorrect information for five years. 

I have enclosed a letter from the bankruptcy court stating they never reported a bankruptcy on my credit report at all. 
see attachment .... 

Please reinvestigate this matter and contact the national credit bureaus to have them delete [ or correct ] the disputed item ( s ) as soon as possible. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, This is an official complaint regarding the handling of my student as a XXXX XXXX. I am at the end of my coursework and working on my project. This has never happened to beforehand, and the person handling my appeal is be negligent. I have sent documentation and also explained my circumstances. She insists on getting a credit report, but there is fraud on it and other incorrect stuff. I start school on XX/XX/28. I am tired of explaining and her denying my school loans because of 3 collections of accounts that need to be corrected. 



That is incorrect. My stuff is under investigation for fraud. So that is only possible once they are done fixing everything. So, I need to reach out to someone myself. You are holding up the process and making it difficult for me to complete or complete anything. I explained the situation, and you need to be helping. I don't need payment arrangements on balances or information that is correct or fraudulent. Plus, the medical bill is coded wrong and should be covered under my insurance. I called XXXX, and they told me to call XXXX and XXXX, which must be corrected. My charge card from XXXX was just closed because of identity theft. You can not get a credit report when it is under investigation. So, this is my formal complaint to the XXXX and the Federal Trade Commission, and I also forwarded it to XXXX XXXX. 



XXXX XXXX
Product: Student loan

I have been trying to get FedLoan to accept the fact that I am a XXXX XXXX student and therefore subject to an education deferment for two months now. They lost the deferment paperwork I sent in and refused to respond to my queries with any personal replies. Instead, all I received were copy and paste responses from various different people who obviously did n't read my emails. No matter how hard I tried to get someone to actually read the emails I was sending, no one would do so. I would receive threats that I would be turned over for collection and be unable to get student loans, but no help, no actual response from a human, and no one would get a manager involved despite my requests. Finally I received an email stating that they were notified that I am in school with an " Out of School '' date of XXXX/XXXX/18. Now they are claiming that they do n't have the dates. I am still being charged and receiving threats that I will be turned over for collection and denied future student loans.