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

After being released from XXXX in XXXX I obtained a copy of my credit reported and noticed someone has been accessing accounts in my name. My personal information was compromised including my driver 's license and social security card during my incarceration due to my prior living arrangement. I contacted XXXX, XXXX, and Transunion via phone and mail in XX/XX/XXXX and XX/XX/XXXX in attempt to get this issue resolved. I have not received a response. These accounts and credit inquiries are impacting my credit and preventing me from getting a home. Furnishing this information to my account is in violation of 15 USC 1681B and 15 USC 1681 C-2, not only have I not given any permission or any written consent to furnish this information. Furthermore, no accounts or inquiries should be furnished to my credit profile due to identity theft. These accounts that I am referencing are, XXXX XXXX XXXX XXXX XXXX. I have no affiliation or knowledge of these accounts. I also noticed inquiries that I have not authorized such as XXXX XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX.
Product: Credit card

In process of cancelling/closing fraudulent account that appeared on my credit report with XXXX/XXXX. I never opened this account. Noticed this after my credit score dropped. They have an address of XXXX XXXX XXXX XXXX, MN XXXX from XXXX  fraud account that I have never lived at.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX, MI XXXX RE : XXXX XXXX. OF XXXX Nelnet Account Number XXXX XXXX XXXX ) Account Number : XXXX Account Balance : {$16000.00} This account has been compromised due to fraud since 2017. I was enrolled in a program with XXXX XXXX XXXX XXXX. This program collected monthly payments for months. Yet, none of the payments I made were ever applied to my federal student loans. Therefore, I am requesting that this fraudulent account be deleted immediately. I provided a screenshot with proof of communication with the alleged party. I made monthly payments of {$110.00} for almost a year. After all payments were successfully made, I stopped hearing from the alleged perpetrators. 

I want to inform you that this communication is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting a verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. 

Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount?

3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 


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

Back in XXXX of XXXX I started forbearance going into forbearance I was 60 days late and during forbearance I paid all my payment while I was on forbearance. In XX/XX/XXXX it still shows on my credit report that I am still 60 days late
Product: Credit reporting or other personal consumer reports

Today XX/XX/year> two new accounts appeared on my consumer report that I do not recognize and Im not liable for. There was previously a fraud alert active on my account from previous identity theft. No account should be open under my good name. Please remove fraudulent accounts by XXXX. Place fraud alert on my account if one does not exist already. Thank you for your time in this matter is of extreme attention to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted the bank several times and provided many police reports ftc and documents and where told that XXXX XXXX  would close and remove from my credit and mail me my payment credit check for {$5000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, XXXX XXXX XXXX XXXX, XXXX, AND Radius Global Solutions LLC ( debt Collectors for XXXX XXXX  ) C/O CFPB : I DO NOT OWE XXXX XXXX  NOR RADIUS GLOBAL SOLUTIONS LLC. XXXX XXXX  IS IN VIOLATION OF 15 USC 1692e ( FAIR DEBT AND COLLECTION ACT ), VIOLATED REGULATION E, AND COMPROMISED MY PRIVATE AND PRIVILEGED IDENTIFIERS. 

( 1 ) REQUESTING RE-REVERSAL OF PERMANENT CREDIT ( XXXX ) FOR {$58.00} ; THUS, CREDITING THE XXXX CHECKING ACCOUNT {$58.00}. 

( 2 ) REQUESTING XXXX REMOVE THE EXTENDED OVERDRAFT SERVICE CHARGE OF {$23.00}. 

( 3 ) DEMANDING REFUND OF {$6.00} WITH ACCRUING INTEREST ENDORSED TO XXXX XXXX XXXX. WITH CLOSURE OF XXXX CHECKING AND SAVINGS ACCOUNT IN GOOD STANDING AND REMOVAL FROM ANY DEBT COLLECTORS. 

Sincerely and Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I contacted Equifax Credit bureau after having being notified through XXXX XXXX credit monitoring app I use, that information was sold on the back market, so Immediately I reviewed my credit report & saw inquiries from XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX I did n't authorize. I was told to contact the creditors and I was informed by them to contact The credit bureau since it was a fraud matter & have them investigate it, so I contacted Equifax again and was told they would need a police report to investigate it, so on Friday XX/XX/XXXX I filed the report and faxed it into Equifax in hopes that this would get this matter finally resolved, I then called them on Tuesday XX/XX/XXXX to insure they received it and I was told they receive the report and would be investigating the inquiries, so I did n't feel the need to mail it in, given all the back and forth, I was feeling a little leery, so I called back Thursday XX/XX/XXXX  and was told they did n't receive the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as a follow-up complaint to my previous complaint to remove these specific items : XXXX XXXX XXXX XXXX, CA XXXX XXXX Updated : XX/XX/2022 XXXX XXXX XXXX Balance Owed : {$3900.00} These items must be removed from my file for it is erroneous. The dispute items do not belong to me. Im attaching the required FTC Report for you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX account # XXXX and amount of {$690.00}, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, MN XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and 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: Vehicle loan or lease

Leasing company was fully paid off in XXXX and in XXXX they reported me to the credit Bureaus as delinquent
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 accounts immediately. 

XXXXXXXX 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

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed an Identity Report and I have attached this document below. 
Also, I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Product: Debt collection

The company started calling me about the debt back in XXXX XXXX XXXX. I asked them to mail a bill to me so I could pay it as opposed to paying over the phone. They claimed they did, but I never received it. I asked them to update my address because they had the wrong one. They said they would mail another one to the updated address. I still didn't receive a letter. Next time they called, I verified the address I wanted them to send it to. Turns out they had sent the letter to the original address again, not the updated one. So I reverified the address that I actually needed the bill sent to. I finally received it in XXXXXXXX XXXX XXXX  By this point, I've accumulated more interest debt. I believe their lack of follow through to send a letter to the correct address on time is the reason my debt is more than it should be. I will happily pay the ORIGINAL amount owed, but the collection company failing to update my address even when I specifically called to update it is responsible for the delay and interest accumulated.
Product: Credit card

I have an XXXX credit card opened in my name. I do not have any credit cards. This is not my card. I called and requested it to be investigated and closed. They did their investigation and it was denied. They state it is my card. It is not my card. I have called back numerous times and was told to write a letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed.

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Product: Checking or savings account

bank of america closed my account without any reason, and i have balance in my account. but after 5 months later, they still didn't give my balance back!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate and unfair reporting of a late payment on my credit report associated with the account number XXXX. This late payment is completely unacceptable and unjustified. I demand that you investigate this matter immediately and take corrective action to remove this derogatory mark from my credit report without delay. 

MACYS/CBNA ( 3 late payments ) Account number : XXXX According to the Fair Credit Reporting Act ( FCRA ), you are legally obligated to ensure that any information reported to the credit bureaus is accurate and verifiable. The reported late payment is erroneous, and unless you can provide concrete and documented proof that this payment was indeed late including a detailed payment history you are required to delete this negative mark immediately.
Product: Credit reporting or other personal consumer reports

recently discovered that an account was added to my credit report without my authorization. Under 15 U.S.C. 1681b ( FCRA Section 604 ), consumer reporting agencies may only furnish credit information for specific permissible purposes.

I did not authorize the following account, nor do I find any legally valid permissible purpose that justifies its presence on my credit report : Account Name : XXXXXXXX XXXX Account Number : XXXX I disputed this with EXPERIAN, requesting verification of the permissible purpose under the Fair Credit Reporting Act ( FCRA ). However, I have not received proper validation, and the account remains on my report. 

This unauthorized reporting violates 15 U.S.C. 1681b, which restricts credit reporting to specific legal circumstances. If no valid permissible purpose exists, the account must be immediately removed to comply with federal law.
Product: Credit reporting or other personal consumer reports

I purchased a car in XXXX and the loan provide at the time was XXXX. This car was totaled and paid off by XXXX in XXXX. I never missed a payment or had the car repossessed. Both XXXX and Equifax have derogatory comment listed on my credit report. Redeemed or reinstated repossession/fixed rate ( equifax ) and redeemed repossession ( XXXX ). I sent a letter to XXXX ( who bought XXXX and services the loan ) with this information and did not receive a response. I also called and spoke to an associate and they could not find where this vehicle had been repossessed. I reported this to the credit agency and they denied the request. Ive also attached information confirming the car that was totaled was the car connected to the account in question. XXXX XXXX
Product: Credit card or prepaid card

I couldnt pay my account in full in XXXX, so I called Nordstrom Visa to request for consideration to remove the monthly interest charges due to financial hardships brought about by the Covid-19 pandemic. I received a positive response to have it removed and made partial payments to my account. Unfortunately, I received a new statement with the interest charges still on my account with additional interest charge which gives a total of {$30.00} in interest charges alone. I called again on XX/XX/XXXX and was informed that Nordstrom Visa doesnt remove interest charges even on the basis of the Covid crisis.
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 XXXXXXXX AccounXXXX Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 had my unemployment direct deposited into my paypal account and they locked my account and said I can no longer use paypal due to some fraud that happened years before and they have had my money held up since XXXX and give me no way to get it or resolve the issue its been since XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> XXXX, Transunion, XXXX Debt Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Account Number : XXXX Dear Sir/Madam, I am writing to formally request the removal of XXXX XXXX from my consumer report. I have made multiple attempts to request debt validation from XXXX XXXX, specifically asking for an assignment of contract proving their ownership of the alleged debt. Despite my requests, XXXX XXXX has only provided bill statements from the original creditor, which do not satisfy the legal requirements for debt validation. 

As outlined in the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g ( b ), a debt collector must provide proper verification of the debt, including documentation proving the assignment of the debt and a contract showing ownership. XXXX XXXX has failed to provide this proof. 

In accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, credit reporting agencies are obligated to ensure the accuracy of information in consumer reports. Since XXXX XXXX has not validated the debt as required by law, I respectfully request that all references to XXXX XXXX be removed from my credit report to maintain the accuracy and compliance of my consumer file. 

I have also filed three complaints with the Consumer Financial Protection Bureau ( CFPB ) on the following dates : XX/XX/year> XX/XX/year> XX/XX/year> In all three complaints, I requested the assignment of contract, but XXXX XXXX failed to provide this crucial documentation. Please see the attached copies of my CFPB complaints, as well as the responses from XXXX XXXX, which further demonstrate their failure to provide adequate validation. 

I urge you to remove this inaccurate information from my credit report immediately. Kindly notify me in writing once this correction has been completed. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have had my credit card with XXXX commenity for years I have never been late with a payment I have never missed a payment. For no reason my credit limit was dropped from XXXX to XXXX when my bill on the card was XXXX making my card maxed out and lower my credit score and increasing my debt to income ratio when I attempted to resolve this and find out why they stated that they review accounts and can lower credit limits at will when I asked why they lowered it to the point that it maxed out the card they stated there was no way for them to have knowledge of how their decision affected my credit which is ridiculous they knew exactly what they were doing
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report, and I have no idea why they're there. I routinely check my credit report, but this time I encountered unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the unauthorized inquiries remained. Given this issue, I urgently request a thorough review of the documents I've submitted to ensure I never have to worry about this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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.

According to : 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 card

On XXXX XXXX, I had a dental XXXX done at XXXX office in XXXX, XXXX. I was told that they offer a credit type loan that can be used to pay for the dental XXXX. Without knowing the terms of the card, I provided my personal information and was approved. With all my cards, I set up an automatic payment to make sure payments are applied. Today, XX/XX/XXXX, I found that I was charged roughly {$XXXX} worth of interest. I called XXXX Credit Card department and asked to speak to the representative. I asked to see if there is any way to waive the interest and it was unbeknownst to me. I have also offered to pay the principle balance but they declined. I have asked to be provided another number, which they provided the dispute customer care number to me. I spoke to another rep and was told that they can not do anything and this is quite upsetting. I wouldnt mind paying the balance off minus the {$XXXX} deferred interest. Not only this but my husband told me its illegal in XXXX  to have a medical office proactively sell this type of credit product.
Product: Debt collection

A {$79.00} dollar debt was placed on my credit profile however, I was not given any information regarding this debt nor was I ever admitted to this hospital. This information is false. No debt verification information was sent to me to verify this debt, it was just placed on my credit report without proper knowledge. This company did not provide me with validation of this debt but placed an unverifiable debt on my credit profile.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Spring Oaks Capital , LLC is violating my rights under the FDCPA. This account deleted off of my credit report from the original company reporting to my credit report and now a third party company ( Spring Oaks Capital , LLC ) is reporting the same collection account to my credit report that has already been deleted. I have no knowledge of who Spring Oaks Capital , LLC is and they are claiming to be the original creditor as well. This account should be promptly removed from my account.
Product: Credit card or prepaid card

I contacted y'all on XX/XX/20 to dispute a payment from XXXX XXXX {$99.00}, and I never got an email back about disputing it. I need to dispute it Because they billed my card without my permission. I can't get ahold of the company because they were a fraud company and shut down their business after taking people 's money.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention certain violations of my rights under the Fair Credit Reporting Act ( FCRA ). 

Right to Privacy : As outlined under 15 USC 1681, Section 602 of the FCRA, I have a fundamental right to privacy. I believe this right has been infringed upon.

Furnishing of Information : According to 15 USC 1681, Section 604 A, Section 2, a consumer reporting agency is prohibited from furnishing information about my account without my explicit written instructions.

Late Payment on Credit Card Account : Under 15 USC 1666 B, creditors are not permitted to consider a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Given these apparent violations, I kindly request an investigation into the matter to ensure my rights are protected and any necessary remedial actions are taken.