23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They have repeatedly called me and my family and they are rude and we 've asked not to call our jobs ... I have the number blocked off my phones but now they are calling my family members fishing for information and speaking rudely to them!
Product: Money transfer, virtual currency, or money service

I am unable to verify My id to withdraw my currency
Product: Bank account or service

I went to the TD Bank at XXXX XXXX XXXX, XXXX, NY XXXX on Sunday XXXX XXXX between XXXX and Noon to make a deposit to the ATM. I deposited somewhere around $ XXXX {$320.00} in the machine, at which point the machine withheld my card and failed to credit my checking account with the amount I deposited. The machine then displayed a message asking me to speak to the branch manager. I went inside and filed a claim, but they were very dismissive and declined to give me a temporary credit. I was told to wait XXXX10 business days for the issue to be resolved and given no other recourse. This is two days worth of pay for me that has now just disappeared into the ether and I 'm being asked to remain patient while this institution decides whether or not to return MY money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is continually refusing to remove fraudulent information from my credit report. I have supplied Equifax with all the documents needed to delete this fraudulent account from my credit report however, Equifax is refusing to remove this information. In addition, each time I submit my personal documents to substantiate my identity Equifax continually send me letters telling me to verify my identity when I have already provided documentation of my identity with the request to have the fraudulent information deleted the fraudulent account is XXXX XXXX XXXX. Equifax has refused to delete this account and I have disputed this account for the last two years.
Product: Debt collection

Company called CCS began calling me in XX/XX/XXXX Spoke with someone on XXXX at XXXX asking them to stop calling me. Calls have not stopped and the people calling have been threatening and using profanity. My phone records show that over XXXX dozen phone calls from them with each time that I do answer I ask them to stop calling my number.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY SECOND TIME REACHING OUT TO THE BUREAUS. THESE ACCOUNTS ARE FRAUDULENT. I AM A VICTIM OF IDENTITY THEFT. I DIDNT AUTHORIZE THESE ACCOUNTS AND THEY ARE VIOLATING MY RIGHTS ACCORDING TO THE FDCPA. THE CREDIT REPORTING AGENCY CONTINUES TO VIOLATE MY RIGHTS ACCORDING TO 15 USC 1692. " ANY BAD DEBTS FURNISHED ON YOUR REPORT IS RUINING MY REPUTATION AND ITS DEFAMATION OF CHARACTER '' I AM REQUESTING THAT THE CREDIT REPORTING AGENCIES STOP REPORTING THESE FRAUDULENT INQUIRES AND VIOLATING MY RIGHTS ACCORDING TO THE 15 USC 1692.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some accounts that are not mine. These accounts have never been opened by me or with my permission. I need your assistance to stop these accounts from reporting to my file. According to FCRA section 605b, the credit bureau must delete any accounts mentioned in an identity theft report. To aid with the blocking of the fraudulent accounts that were discovered on my report, I have included some documents. 
XXXX XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$790.00} ; XXXX XXXX XXXX Balance Owed : {$4400.00}
Product: Debt collection

After multiple attempts of certified mailed letters asking to validate the actual accounting of said debt, they have insisted on only sending me an obligation of debt and nothing more. Previous complaints made to CFPB can explain the issue at hand. But most recently PRA group responded to a CFPB complaint by saying that theyve opened an investigation into the complaint, ceased communication with the consumer, and notified the consumer reporting agencies of the dispute. I can Confirm that this is in fact False and a violation of 15 USC 1692 ( c ). I have Attached with this complaint, another letter that was sent AFTER ( XX/XX/year> ) their response to a previous complaint ( XX/XX/year> ) where they stated they would cease communication until this investigation was resolved. Furthermore, this letter clearly states that this is not an attempt to collect a debt yet they keep reporting negative items to my consumer report. This is yet another violation of 17 CFR 240.15c1-2 Fraud & Misrepresentation. If they can not produce the Validation of debt, if they are not attempting to collect the debt, and if they persist on harassing me for a debt that has previously been discharged by the bank they purchased it fromwhy are they allowed to continue to destroy my livelihood via my consumer report? Their unprecedented negligence & fraud has led to a complete destruction of my quality of life and they must be held accountable.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Commercial Drivers License ID Number : XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX. 
TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I am writing to request these inquiries are removed from my credit report. of the following information that appears on my TransUnion Consumer. I have NEVER requested credit from the following accounts : XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Trans union report immediately! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my communication is to file a complaint against XXXX and Equifax, a credit bureau, for its improper handling of fraudulent accounts that appear on my credit report. 

I recently discovered that there are accounts on my credit report, issued by XXXX and Equifax, that are fraudulent and do not belong to me at all. I have become a victim of identity theft, which has significantly affected my financial situation and my emotional well-being. 

I have made several disputes directly with XXXX and Equifax, providing all relevant documentation, including an identity theft report, to prove that these accounts do not belong to me. Despite my efforts, as of the date of this letter, XXXX and Equifax has not acted effectively to correct this inaccurate and damaging information on my credit report. 

The presence of fraudulent accounts on my credit report negatively affects my ability to obtain credit, loans and other essential financial services. Also, as a consumer, I have a legal right to receive an accurate and up-to-date credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Although I have followed all procedures required by XXXX and Equifax to dispute these accounts, I have not received a satisfactory response and the incorrect information has not been removed from my credit report. 

Therefore, I request the intervention of the Consumer Financial Protection Bureau to investigate this situation and take appropriate action against XXXX and Equifax for not complying with the regulations established by the FCRA. I also ask that you ensure that my credit report is corrected and that these fraudulent accounts are removed immediately. 

I am enclosing the identity theft letter again. 

I sincerely appreciate your attention and assistance in this matter. I hope the Consumer Financial Protection Bureau can help me resolve this situation and ensure that my rights as a consumer are respected. 

Please provide a written response once you have completed your investigation.
Product: Vehicle loan or lease

Received a letter from BMW Financial dated XXXXXX/XX/2022. Demanding {$16000.00}. Under Title 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. 
My vehicle was Repossessed and BMW Charged off the amount due as income.

Notice, it is a fact, there was a repossession, that I, the affiant have proof of in Attached letter from BMW Financials which is a DIRECT violation of 15 U.S. Code 1692e ( 4 ) and was fraud and illegal in the collection of any debt. This is a right secured to me by this code herein and the 4th amendment of the U.S Constitution.

I for a fact know that my credit financed the entire amount of loan and per SEC documents attached will show the assignment information needed to assign the not under the Security and Exchange Act.
Product: Checking or savings account

XX/XX/year> I Recieved A Text To Contact The Number On Back Of Debit Card. They Need More Information On Accounts Ending In : XXXX & XXXX. Also A Email Was Sent To Contact Chase Bank To Please Contact Chase To Help Protect Me Against Fraud And We Restricted Your Account And Needs To Close Soon. I Contacted Chase IMMEDIATELY After Text & Email That Came In @ XXXXXXXX XXXX  I Was Told The Account Was Closed Already And They Have No Information In The System As To Why Was It Closed And I Will Receive A Letter And Cashier Check Of My Money That Was In Savings Account. They Closed The Account Immediately And I Think It Was Unfair To Me As A Customer. I Am A Florida Resident And Experiencing Hurricane Milton With No Money Or Food For Me And My Children Thru This Storm. I Recieved My Direct Deposit On XX/XX/year> And Could Not Prepare For The Storm And We Are Without Power And No Money. Chase Bank I Deserve The Right To Know Why My Account Was Closed And My Money Taken
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, and XX/XX/XXXX, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate late payments listed on my credit reports for XX/XX/XXXX and XX/XX/XXXX regarding SouthEast Toyota Finance, account number XXXX, by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and XXXX  via the online dispute portal. USPS verified that all my requests were received. To date, I have not received any compliance/information/proof or verification method to my requests within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. I have never paid this account late. 
Therefore, I expect all these items will be removed from my credit files immediately.
Product: Credit reporting or other personal consumer reports

In 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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

XXXX XXXX  disputed for balance of XXXX never removed XXXX disputed balance but didnt remove for XXXX
Product: Debt collection

It is not only irritating but deeply troubling that such a fundamental aspect of my financial history has been misreported, potentially affecting my ability to secure favorable terms for future financial transactions. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. The sheer number of inaccuracies is not only irritating but also unacceptable, as it has a severe and unwarranted impact on my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
A comprehensive review of the procedures in place to ensure the accuracy of credit reporting to prevent such errors in the future. I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I expect your bureau to adhere to the highest standards of accuracy and diligence. The continued presence of these inaccuracies is not only an inconvenience but also a violation of my rights as a consumer.
Product: Checking or savings account

XXXX XXXX stole my money because of overdraft fees and took the money from my husbands account. The amount was about {$5400.00}
Product: Debt collection

This account is a result of identity theft. I've NEVER done business, nor have any knowledge of First Federal Credit Control or XXXX XXXX. This is a fraudulent account. Can I please get help removing this account from my credit report? I learned of this account on XX/XX/2022 in the amount of {$320.00} when it was placed on my credit report.
Product: Vehicle loan or lease

Ive tried to get my payments lowered but because my credit I cant but Im also paying more than what I payed for my Im paying XXXX for 72 months for a XXXX XXXX XXXX Im being over payed and I would like to receive my down payment of XXXX XXXX dollars because it didnt help my payments get lower
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received correspondence from CFPB informing me that they closed my complaint submitted on XX/XX/22 because they believe that someone other than myself submitted complaint # XXXX, which is not true at all. I am asking for this case to be re-opened and investigated. I assume that because my mailing address is different than my current address that may have been the issue, but I am not sure. I will include a copy of my ID with the address that matches the letter I submitted regarding the company NCA that is reporting incorrect information to the credit bureaus. I would like for the CFPB to take this seriously and not continue to send stall letters. Per my last complaint, NCA is reporting that I have a collection with them, and I have never been in communication with this company. They were notified twice to validate this debt that is reporting on my credit report, but they have failed to do. The first notice was sent XX/XX/22 and the last letter was sent on XX/XX/XXXX. I will include the letter as well as the time stamp. Please conduct a proper investigation and remove this account. Lastly, this collection agency is reporting a different balance than what I have with the original creditor. Please provide proof of your right to own/collect this alleged debt and balance claimed including all fees, interest and penalties. Provide me of the amount of which the debt was purchased, per the CFPB, I have this right as a consumer. Also include a contract bearing my personal signature. My email is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX Balance : {$18.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$8000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello and good afternoon to whom it may concern, My name is XXXX and I'm currently pursuing a records request from a Bank named Huntington. I've have made at least 7 attempts ( fXXXX ) to reach out to them for help regarding a copy of a canceled check payable to the IRS in XXXX. The process started with some human contact in the first XXXX attempts and now they are failing to respond or act in good faith to this request. I closed out my accounts in XXXX, XXXX so I no longer have the records or access to the accounts to which this check derived from.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau XXXX, Equifax , & XXXX  has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. XXXX, Equifax, & XXXX  has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the XXXX law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the XXXX law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. XXXX, Equifax, & XXXX  failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. 



I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information on my accounts has been diligently neglected by Experian. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the information that are still reporting on my account : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX INFO Date Updated : XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I found these credit inquiries on my credit report. I do not recognize them nor did I authorize them. 
XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX  XXXX XXXX  XXXX  : XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX