23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : Experian is violating my consumer rights. 
I contacted Experian regaring 2 inquiries, XX/XX/17 XXXX & XX/XX/17 XXXX both were unknown, unauthroized, and no permissible. I contacted the creditors they have no info, no validity and could not provide proof and referred me back to Experian the bureau. Ive done that and have been failed. 
Contacted experian regarding an inacurrate, inavlid, unverified public record displayed on my credit profile. this too is specious. 
I suppled source data info and experian still did not correct the issue. please do.
Product: Debt collection

I have reached out to XXXX  both via Mail and the CFPB in dispute and complaint before with full attachment and supporting documents from law enforcement and supporting my identification only to have the XXXX  send me a letter stating they have not received it, when I have full receipts from both of the aforementioned.I am once again submitting these items to your office in hopes that XXXX  will acknowledge my dispute/complaint of fraudulent accounts coming forth from identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report from Early Warning and the report has so many negative bank items on it. I don't owe any bank I have tried to rebuild my credit after filing bankruptcy, to no avail have i been successful. I have been a victim of Fraud as well and I have reported this to the bank as well with a case number. I need this removed from my credit file. I am told that these accounts that are on the report are closed /purged meaning it doesn't convey a negative situation, but it it a negative situation for me. I would like for this to be removed off of my credit report/ file.
Product: Debt collection

Subject : Debt Validation Request Under Section 312 of the Fair Credit Reporting Act ( FCRA ) Dear Discover Bank I am writing regarding the account referenced below, which has been reported to my credit file or otherwise claimed to be owed by me. I request validation of this debt in accordance with Section 312 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Account Name/Number : DISCOVER BANK : XXXX Original Creditor : Discover Bank I require the following information to verify the validity of this debt : 1. Validation of the Debt : Documentation demonstrating that I am legally obligated to pay this debt, including a copy of the original agreement or contract signed by me.

2. Details of the Account : A full accounting of the amount allegedly owed, including the original balance, all interest and fees applied, and the calculation used to arrive at the total amount.

3. Ownership Proof : Evidence that you are authorized to collect this debt.

4. Credit Reporting Information : Details on how this account is being reported to credit bureaus, as required under Section 312 of the FCRA.

In addition to the above, I am requesting clarification regarding any 1099-C ( Cancellation of Debt ) associated with this account : If the debt has been canceled or forgiven, please provide a copy of the IRS Form 1099-C issued for the cancellation of the debt.

If no such cancellation has occurred, please state so explicitly in your response.

Under the FCRA and FDCPA, you are required to ensure that all information you report is accurate and substantiated. Until I receive the requested validation and documentation, I request that you cease any collection activities, including reporting the debt to credit bureaus. 
Please consider this a formal dispute of the debt until sufficient evidence is provided. If you can not verify this debt within 30 days, you are required to remove it from my credit report and cease further collection efforts. 
I am requesting all correspondence and documentation to be sent to me at the address provided above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

File fraudulent claim with XXXX and the police division # XXXX. This is not my account. 

XXXX XXXX BANK - XXXX {$7700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed an account with XXXX XXXX back in XXXX. When getting ready to return all the equipment, I inquired about equipment that they had mounted/attached to the floor joists downstairs. The representative told me that I didn't have to return it as that equipment is no longer used with the upgraded technology. 

On XX/XX/XXXX, I received a collection notice from XXXX  XXXX XXXX : # XXXX. I called them and told them I couldn't owe XXXX  anything because my account is on automatic withdrawal from my checking account and has been that way for two years. I then called XXXX  and inquired about the collection. Finally after further investigation I found out it was for a modem that was attached in the basement. On XX/XX/XXXX, I returned that equipment to XXXX Receipt # XXXX filed a resolution document with XXXX XXXX  and provided all the information to them on the return. 

On XX/XX/XXXX, I contacted the credit bureaus and disputed the collection since it hadn't been removed. XXXX removed the collection. XXXX  and Transunion have not. I think I provided enough information and justification to have this removed.
Product: Credit reporting or other personal consumer reports

I can assure you, without any hesitation, that this account does not belong to me. It is an instance of incorrect information being mixed up with my credit report, which is not only damaging but also unfair. I have no connection to this account, and it has no place in my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did reach out to XXXXXXXX XXXX for the mis-reporting and expressed to them that the late payment was due to their system being down and that that's caused the payment being submitted on the XXXX of XXXX ; they denied the request.
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 XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I was scammed out of money and I reported it to the company and they closed my account
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Experian XXXX XXXX XXXX XXXX Account number XXXX XXXX : XXXX XXXX Account number XXXX XXXX : XXXX XXXX, Account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation
Product: Prepaid card

My wife and I were gifted a XXXX Debit Gift Card from a friend. When we try and enter the card number on the provided site on the back of the card, XXXX, it says not vaild. We called the number provided on the back of the card, XXXX and after providing the long bar code number, the debit card number and XXXX digit code, they said we need to go to there site and send a picture of the gift card and our driver license, to obtain any information about the debit card. They seem extremely scam like on the phone. I called twice and spoke with XXXX different women who both made me feel like they couldn't help until I sent my information. After reading reviews on the company, this does look like a company who takes peoples money and makes it impossible to use the gift cards.
Product: Debt collection

I had all my loans consolidated with the Department of Education many years ago. Everything has been just fine and I've been making monthly payments all this time. 

Two weeks ago I receive a call from a company called Radius Global Solutions ( formerly XXXX XXXX XXXX ) they said that I owe money to a school called XXXX XXXX XXXX. I told them I never attended a school by that name. She started to ask me personal information such as my social security number. I told her I didn't feel comfortable processing the call because I felt it was scam. I haven't been in school in over 12 years and there is no possible way I owe any school any money because everything is consolidated. She said it was a in-house loan with the school for {$1500.00}. I asked her why I am just now being contacted over 12 years later. She did not have an answer for me. 

Two weeks later I got a letter in the mail from Radius Global Solutions. They are offering me to pay {$1100.00} to completely close this loan for a lesser price. The fact that it took two weeks for the letter to come was fishy to me too. 

I looked into who the Creditor was XXXX XXXX XXXX. They own a lot of schools around the country. I attended a school called XXXX XXXX School in XX/XX/XXXX. I did not complete the course due to unsatisfaction with the school. Almost all of the students were unsatisfied and the school ended up closing just 9 months later. The building stayed abandoned for some years. Many years later a new school was put there called XXXX XXXX. XXXX XXXX is listed as one of the school 's on XXXX XXXX XXXX 's website. So I'm assuming this has something to do with XXXX XXXX School.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received a reply from SunTrust Bank via postal mail stating their position that the inquiry is valid and factually sound. The documentation SunTrust also followed up with via file upload to the CFPB website answering my complaint was information about me requesting a loan or some sort of services from their institution. 

After a full review of the documentation displayed by SunTrust Bank it is clear there is no application of consent indicated within this unknown paperwork. 

There is no wet signature, nor a recorded phone call to indicate that I personally spoke with this company for any type of services. 
There is no e-file signature, or electronic consent indicated in these documents to prove the statement provided by SunTrust is factually sound. 

I request that SunTrust produce sufficient and clear evidence as stated in the Law according to the FCRA to prove I consented to a fraudulent inquiry with proper and required signatures or applications baring my name consenting to this illegal breach of privacy.
Product: Payday loan, title loan, or personal loan

Responded in my XXXX report for a possible personal loan. Several companies responded using a soft pull with amounts allowed as well as percentage rates. One Main had the best quoted rate and I responded to that offer. At that point a soft pull had been done and One Main requested proof of income as well mortgage payments. I placed all items required along with a photo ID. At no point was I aware that this loan would then process with a hard pull. A hard pull occurred on a Saturday XX/XX/XXXX. I was contacted on Monday XX/XX/XXXX by the local One Main who asked me to verbally verify the items I placed in the application. Once I completed the verification the local branch stated that she could get an approval for XXXX at a rate of 20 %. I explained to her that the rate approved on Friday XX/XX/XXXX was an amount of XXXX at a rate of 17 %. She explained that this was the amount allowed. I asked her why would the computer approve a different amount when NOTHING changed between the initial offer and that day. All income was verified, nothing changed. I sent a complaint to One Main, XXXX. I received a phone call on XX/XX/XXXX from a lady who explained One Main was allowed to amend the offer, she also explained that I had approved the hard pull by submitting the forms on XX/XX/XXXX. One Main baited me by showing a lower APR and higher amount and then switching the numbers. In doing this they made a hard pull on my credit by apparently placing the hard pull language into a fine print message. Once a hard pull is done aquiring any loan from another vendor becomes impossible because the soft pull will show the pull by One Main. One Main has caused me to become ineligible for a better rate at other lenders by placing their name on my report.
Product: Credit reporting or other personal consumer reports

II have diligently followed all the necessary procedures in disputing these accounts. I've reached out to the bank and they assured me the issue was resolved. I've also contacted law enforcement and provided a report and affidavit, which they confirmed as valid. Additionally, I've engaged with XXXX and XXXX, who complied with legal requirements and removed the accounts. However, TransUnion seems to be presenting obstacles, claiming I haven't completed all the necessary steps. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 and XXXX have already removed these accounts from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete these from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I respectfully request that you promptly investigate this matter and take the necessary steps to remove the remaining fraudulent accounts from my credit report. Failure to do so not only perpetuates an injustice against me but also exposes your bureau to potential legal repercussions for non-compliance with federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my Social Security number to apply for a mortgage With US Bank Corp. I contacted US Bank Corp. and they stated they are unable to remove the hard inquiry from my credit report. I have disputed the hard inquiry with all of the credit agencies, and they have stated the inquiry will remain on my report for two years. I would like to have this hard inquiry removed, because during my discussion with US Bankcorp, I was informed by them declined, because I have a lock on my credit, and they determined that it was a fraudulent application. This is not my inquiry, and I dont want it affecting my credit rating. Please take the necessary action to have it removed from my report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX Balance : {$220.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$43.00} Date Opened : XX/XX/XXXX
Product: Debt collection

I have a letter From Experian saying that a particular account was deleted XX/XX/2021. 

As of XX/XX/2021 I pulled an updated credit report and that item is not deleted. 

on my XXXX and XXXX this item has been deleted and not on the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has my current address correct, but my previous address wrong. In order to check status of any dispute with them. you have to supply both current and previous address ( if you have moved in the last 2 years. ) I have tried to get this fixed many times. Once, they instructed me to fax many forms of personal ID to a fax location open to all employees. I refused, as they have a poor record with data security. I was able to find the bad address through their " XXXX '' program that they have to offer due to their data breaches, though that data has been erased now. The address was in North Dakota and when I search on the address, I found that the address is a PO box for a bank credit card. Surely, even Equifax would know that I have never lived there. I have given them the correct data, but they will not fix it. What can I do?
Product: Credit reporting or other personal consumer reports

I have several hard inquiries on my credit report that I do not recognize. These inquiries are from the following companies on the listed dates : XXXX : Inquired on XX/XX/scrub> XXXX XXXX XXXXXXXX : Inquired on XX/XX/year>XXXX XXXX XXXXXXXX : Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXXXXXX XXXX XXXX Inquired on XX/XX/year> I contacted the credit companies involved, but they were unable to assist me. They directed me to TransUnion to resolve the issue. I reached out to TransUnion to request the removal of these inquiries, but they informed me that I need to provide documentation to support my claim. I am filling out this CFPB form to seek help in resolving this situation, as these hard inquiries are affecting my credit and were not authorized by me.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX Balance : {$99.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this complaint as a follow -- up to ensure that this account is verified completely. 
The account is reporting mistakenly and I want its status to be fixed as soon as feasible. 

Please authenticate this listed account : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX is attempting to collect an unverified and inaccurate rental debt that I do not owe. While I signed a lease, I never took possession of the unit, and the collection agency has failed to provide legally sufficient validation of this debt under FDCPA ( 15 U.S.C. 1692g ). 

Despite my dispute, XXXX XXXX XXXX did not provide key pickup records, a signed move-in inspection report, or utility bills in my nameall of which are necessary to prove I occupied the unit and incurred financial liability. Additionally, under Louisiana Civil Code Article 2704, the landlord was required to mitigate damages by making reasonable efforts to re-rent the unit before charging me for the full lease term. The collection agency has not provided any proof that the unit remained vacant, making their attempt to collect {$4200.00} in accelerated rent potentially unlawful. 

Instead of proper validation, they sent a generic ledger of charges without explaining how they calculated the balance or justifying the fees they are trying to collect. They also failed to provide documentation proving that the debt was legally transferred to them for collection. 

This debt is unverified, inaccurate, and being reported in violation of federal law. I request that the CFPB investigate and require XXXX XXXX XXXX to delete this account from my credit report immediately. If they can not fully validate the debt, they must cease collection efforts and remove the negative reporting.