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

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating XXXX using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

XXXX : XXXX Date of inquiry : XX/XX/XXXX Experian : XXXX XXXX Account Number : XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$1500.00} XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Debt collection

Under the Fair Debt Collection Practices Act ( FDCPA ), i have the right to request validation of the debt from the collection agency. And they not not respond or provide the information I requested Under 18 U.S.C. 1028, identity theft is a federal crime, and victims are entitled to take steps to protect their credit. And Im working the The Secretary of State and I was provided a credit restoration agent by the secretary of state, to get all and everything that thats not accurately mines or or belongs to me my information and I have been affected by identity. I tried disputing this and other collections and inquiries thats not mines directly through the creditors and I have given the about 14days to respond and I have received a response from them so I tried contacting all 3 Credit bureaus and they just keep on saying information on my credit report is accurate. If you guys cant help Ill have to dispute the inaccuracy on my credit report with the CRA AND THE FCRA and FACTA.
Product: Debt collection

During the month of XXXX and XX/XX/2021 received numerous calls from an unrecognizable number and robocalls from XXXX XXXX XXXX  regarding a debt supposedly owed. 
Upon speaking to someone on XX/XX/2021 ( first communication XXXX the person informed me that they were trying to collect a debt/loan from HSBC bank. I asked the amount she told me in the amount of XXXX or more. I did ask the date of the debt but I can not recall the timeframe. I asked for account number to the alleged debt none was provided. She asked my PII such as last four of social, my previous residential address, the last four of my drivers license number. I explained to her that is not my debt and never had an account with HSBC. She asked me did I want to dispute it I said yes. She asked would I appear for court and pay all legal fees I said yes because I do not know what this is in reference to. That was it. No other information from this company was given. 
2nd telephonic communication on XX/XX/2021 I spoke with a XXXX XXXX. I tried to get more information out of him he told me I would only receive something from XXXX XXXX Court and that it will be received via being served to my place of employment or residence. He also verified my PII ( personal identifiable information ). He gave me an account number and then after telling him again that I did not have an account with HSBC he said he would shoot it back to their underwriter to double check the information and that maybe my information was cross matched with someone else. That process was going to take 7-10 business days. I even asked him why haven't I received anything ever from them or HSBC or the XXXX XXXX court which is the response they hadn't approved the " order '' yet, but then checked a system and said it was accepted on XX/XX/2021. 
On XX/XX/2021 I then contacted HSBC in the charge off department to find out if they had any information on me regarding this account via my social security number because I could not get an account number from PT Account Management. HSBC could not find any information but did say that they could find out more if they had the exact account number. 
I tried calling XXXX XXXX XXXX again on XX/XX/2021 at XXXX XXXX. Someone answered " mediation '' as they did on previous calls and told me to hold. I held for 8 minutes. They never got back to me. They have caller ID and knows who is calling and I know that because on prior attempts of calling they would not answer and kept forwarding my calls to another extension that no one ever came back to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc1681. 
XXXX XXXX XXXX, XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has Violated My Rights. 
15 u.s.c. 1681 section 602A states I have the right to privacy.

15 u.s.c. 1681 section 604 a section 2 : it also states that a consumer reporting agency can not furrnish a account without my written instruction.

15 U.S.C. 1681c. ( A ) ( 5 ) section 5 no consumer reporting agency may not make any consumer report containing any of the follwing items of information.any other adverse item of information other then records of convictions of crimes which adtedates the report by more then 7 years.

15 u.s.c. 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer related agency if the person knows or has reasonable cause to believe that the information is incorrect.
Product: Credit reporting or other personal consumer reports

Consumer Complaint Regarding XXXX XXXX XXXX  XXXX Investigation - Report Number XXXX I am writing to file a formal complaint regarding the investigation conducted by XXXX XXXX XXXX XXXX, pertaining to dispute report number XXXX, concerning the tradeline from XXXX XXXX XXXX 

On XXXX XXXX, I received the results of the investigation conducted by XXXX XXXX XXXX XXXX regarding the accuracy of information contained within my credit report. The investigation was in response to my dispute regarding the accuracy of the balance reported on the tradeline from XXXX XXXX XXXX, account number XXXX, with a reported balance of {$1200.00} Upon review of the investigation results, it has come to my attention that the balance being reported to the consumer report is not accurate and does not align with the true balance owed on the tradeline. Attached herewith is the monthly statement between XXXX XXXX XXXX and myself, which clearly indicates a different and accurate balance owed. 

It is imperative that the information reported by XXXX XXXX XXXX XXXX accurately reflects my financial obligations. The inaccuracies in reporting have the potential to adversely affect my creditworthiness and financial standing, which is a direct violation of my federal consumer rights under the Privacy Act of 1974, 15 USC 1681b Permissible Purpose, and 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 

I kindly request that the reported balance on the tradeline from XXXX XXXX XXXX, account number XXXX, be accurately corrected to reflect the true balance owed as per the attached documentation. Failure to do so will leave me no choice but to pursue legal action to rectify this matter and to ensure my rights are protected. 

Enclosed is my XXXX XXXX XXXX statement and XXXX XXXX REPORT RESULTS. PLEASE REFER TO PG.6
Product: Checking or savings account

My account was hacked over XXXX ( XXXX ) months ago in which USAA did not cancel my debit card and allowed phishing to occur in my account. Out of the unauthorized transactions, ATM withdrawals were processed in XXXX, Virginia, a city I do not live in. After reporting these transactions, USAA returned my paychecks and reversed the XXXX transactions but not the ATM withdrawals made in another city. USAA then sent me a letter stating that {$400.00} and {$100.00} ATM withdrawals were not fraudulent and were " authorized ''. I called USAA to request documentation twice in which XXXX ( XXXX ) banking specialist repeatedly bypassed my request and stated it's going to the take the dispute analyst XXXX ( XXXX ) days to look into it-how does it take 5 days to provide the rationale on why they made the decision in the first place?? The feedback given by USAA reported that XXXX ATM 's were used ; how was it verified I authorized some but not all? I stated in both phone calls I can provide my workplace timesheets to provide support that I was physically in my resident area at my job working, not stealing from ATM machines in a different city. This rationale does not make sense.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing to you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report, with the exception of : My Full Legal Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete all other personal information, including all employers, addresses I can no longer receive mail or any correspondence from, and I have no access to any of them, which in some cases could lead to identity theft. Please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, and XXXX XXXX  XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient loan services, formerly known as sallie Mae is reporting that we have a late payment every month and that we are defaulting on a student loan. 
This was a personal loan, cleared by Bankruptcy chapter XXXX filed back in 2009. They are saying I went to school at XXXX and that is incorrect, as I have attended the university. This was a private loan that they included themselves in and got payment from the bankruptcy. They have been calling and pretending to be a federal loan. This loan on the credit bureau, shows it is a charge off/ bad debt. Yet they report every month that its a late payment. They got money out of a chapter XXXX, marked our credit with bad debt/ charge off, and are now reporting that our payments were good up until a few months ago and are destroying our credit. While we are trying to go through escrow. 
This company is a fraud and they are liars. They started collections with XXXX a long time ago, and that is who we put in our bankruptcy. And when they changed their name to Navient they started to threaten by by phone this is unacceptable behavior.
Product: Credit reporting or other personal consumer reports

I have tried for over the past year to have my Equifax reports updated and I have got nowhere. They have been reporting wrong information I have called them numerous times and they have not corrected anything on their end. Due to my name address and phone # not begin updated I haven't been able to provide housing for me and my kids it has caused so much tension and have caused me to become homeless. There are reporting old, outdated information for me. I have also disputed numerous of account, and they have not investigated I have disputed the same information with my XXXX and XXXX, and both have done their due diligence, however Equifax has tarnished my reputation, and it has caused me so many issues. I need this to be investigated more and to why XXXX hasn't don't what I have asked of them. This has gone on for at least 2 years so imagine for 2 yrs do not begin able to provide housing for me and my kids.
Product: Money transfer, virtual currency, or money service

We have to be out of our house on XX/XX/XXXX so we have been looking for a new house to rent we found a house on XXXX that was for rent for {$950.00} a month with a {$950.00} deposit we made contact with a person on a phone number and email address we were sent a rental application we're giving an address and let in to see the house.We have been talking about when we can move in we were asked to give a {$950.00} deposit to secure it for XX/XX/2020. Ivdid so on the XXXX XXXX with my Wells Fargo app the daily limit was XXXX so that's all I can send at the moment when it was confirmed that that's what I sent they ignored our messages and phone calls for a few hours and then they responded to us a few hours later asking when they can receive the other {$450.00} by then we assumed it was a scam I contacted my bank immediately and tried to stop the XXXX payment and filed a claim with them wells Fargo. I am supposed to call the suppose landlord tomorrow  morning to arrange the rest of the deposit and receive the keys but I know this is a scam at this point and will not be moving in. I found another listing for XXXX a month and it is through a different realtor it's the same house. I think they used the account to make the fake XXXX account me and my family are going to be homeless as of XX/XX/XXXX and this is all the money we have I tried to reach my bank immediately about half an hour to an hour after the money was sent to stop payment was asked you to send the remaining XXXX through a XXXX XXXX which was cancelled thank God so I was trying to stop the {$500.00} payment cuz the XXXX can at least put me in my family in a motel room for two weeks please help me thank you.
Product: Checking or savings account

I applied for a online loan, and the company transferred my info to another company. The thiefs used software to mimic the real loan company. I found out later. So they had all my info that the original loan company had. So the man from the fake company called me and said, my loan was approved for {$10000.00}! He said check your account and call me back. I checked and it was {$7000.00} in my Chase Bank account! I called the number I was given, and told him it was only {$7000.00} in there. He said check later and the rest would be there. So he put another {$2.00} or $ XXXX in there. Then he called me and said. He needed a fee of {$2500.00} so I said for what. He said because of my bad credit, he had to insure the loan. So he said I needed to withdraw the fee and send it to him, he also said I should convert the {$2500.00} to Bitcoin. I did that. But then I said to myself why Bitcoin. Something is not right. So I had used XXXX to purchase the Bitcoin. But the I sold it right away. Got some of my money back. Then I called Chase Fraud Dept and told them. So then a worker looked into it. And said pulled all your money out. Your account has been compromised. He said they disputed a bunch of transactions. My rent and a bunch of overdraft fees were disputed. So thats how the money got into my account. So I started a claims process made a police report. The bottom line is everything got fixed except 1 month rent, that was done through ACH by XXXX XXXX. Where Ive been renting because my godfather is elderly and had XXXX. So anyway I fought with Chase up until XX/XX/2022 went in the bank and faxed all the evidence and Chase still denied my money in my SSA account. They said they did a investigation and that I owed XXXX XXXX XXXX months rent. So XXXX gave me a proof ledger that I owed them nothing Pay your rent he said. Then they changed my username and password!
Product: Checking or savings account

I create an account with Capital One Bank on XX/XX/XXXX I was with customer service on the phone and they had technical difficulties verifying my identification so I had to verify XXXX times in order for them to create my account once my account was created no funds have an inserted into the account until 2 months later in which I connected my partner 's bank to my bank to transfer a certain amount to keep my account active I've done that successfully and my account has been active since I've recently started to receive donation beginning in XXXX and continuing in XXXX and once I've accumulated {$350.00} and {$0.00} Capital One Bank restricts my account and says that I have to verify my identification on a branch requiring me to physically go to a branch now I'm not able to physically go to branch because you don't have a vehicle and I'm not XXXX and they have already verified my information when I first created the account They already have all the information they need to verify my information but I call them and asked why my account is restricted and explain that they need to see my physical card on a branch and they need to see my physical social security card to a branch and so to my confusion I simply ask why was that not required in the beginning of the account creation They said that they deleted the information of my ID and they needed me to physically go to a branch to have them verify the cards I saw that as ridiculous because not many people are required to physically go to a branch to verify their IDs but because of their lack of understanding and their refusal to cooperate they threaten to close my account if I do not go to a branch at this moment I'm unable to withdraw from the bank account that I have accumulated {$350.00} in and I find it very suspicious as to why they want to verify my ID now when the first XXXX months I didn't have any money They had XXXX months going to 3 months now where they could have at any point asked to verify my ID again for decided to wait until you need money in order for them to them ask for more identification. They were perfectly okay with verifying my ID online but now they require me to physically verify it That does not make sense And when I called again in which I threaten to file a complaint to you in order to resolve this The whole purpose why I even made a bank account with Capital One is because I do not have to physically go to a branch It is for me to stay XXXX and stay XXXX That is why I made a bank account with Capital One. I'm not able to go out because I do not have transportation I do not have a vehicle I did not have money to go anywhere and I'm not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) XXXX XXXX ( XXXX XXXX ) SEE ATTACHMENT 2 ) THE BUREAU ( XXXX XXXX  ) SEE ATTACHMENT 3 ) XXXX XXXX XXXX XXXX XXXX XXXX SEE ATTACHMENT This month the FTC, and Federal Law Enforcement Partners have announce XXXX Crackdown on Abusive Debt Collection Companies. 
This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). 
I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. 
In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. 
Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX