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

I AM A VICTIM OF IDENTITY THEFT AND FRAUD. 
XXXX XXXX CORPORATE HACKERS AND IMPOSTERS HAVE STOLEN {$1600.00} FROM ME SINCE XX/XX/year> BY TRIPLICATING XXXX XXXX XXXXXXXX CREDIT CARDS BY STEALING MY SOCIAL SECURITY #, CHANGING MY NAME TO FAKE NAMES AND POSTING XXXX FAKE XXXX XXXXXXXX CREDIT CARD ACCOUNTS ON CREDIT BUREAUS, SEE XXXX REPORT ATTACHED. XXXX XXXX DID NOT POST {$1600.00} CREDITS PRIOR TO CLOSE XX/XX/year> ON BOTH CREDIT CARDS IS FRAUD AND IRS FRAUD. MY NAME IS NOT XXXX XXXX OR XXXX OR ANY OTHER FAKE NAMES. XXXX IS CORRUPT AND ALLOWS CRIMINAL ACTIVITY BY IMPOSTERS AND CORPORATE HACKERS. 
XXXX IS TO BLOCK BOTH XXXX XXXXXXXX CREDIT CARDS, POST ALL XXXX XXXX XXXXXXXX CAR PAYMENTS, DELETE ALL SOFT INQUIRIES, i HAVE A 7 YEAR XXXX XXXX, XXXX. SECURITY FREEZE AND OPT OUT, NONE OF THESE INQUIRIES ARE PERMISSABLE & NO COURT ORDER XXXX ILLEGAL=CREATES MORE FRAUD= FCRA VIOLATIONS, AND INCREASE MY XXXX XXXX. 
XXXX XXXX IS A FAKE NAME ON CREDIT REPORT. 
FTC IDENTITY THEFT REPORT, # XXXX XXXX POLICE REPORT IDENTITY THEFT & FRAUD SCHEMES AGAINST XXXX XXXXXXXX. 
XXXX FCRA UNITED STATES GOVERNMENT NEEDS TO SHUT DOWN XXXX XXXX AND REMOVE THE OWNER, XXXX OFF FEDERAL RESERVE.
Product: Debt or credit management

I received spam mail regarding pre-approved loan for {$35000.00} for debt consolidation. 

I called Lendvia expressing interest in this offer... 

After I agreed for them to do a hard pull on my credit to check if I qualify I got news I didn't qualify, it ended up being a bait and switch... 

3 different agents from Lendvia called me giving me conflicting information ... One agent was telling me everything the other agent said was wrong and got very rude with me ... Every attempt to get clarification resulted in him acting very condescending to me and the other agent... 

I think his name was XXXX or XXXX... 

After this, I told them I was no longer interested and asked them to stop calling me... 

I have received countless calls and XXXX from them literally it started at XXXX per day to now 3 to 6 a day, they eventually sold my PII to XXXX XXXX without my consent or knowledge. 


My PII was then compromised in a cyber security incident... 

I reached out to XXXX telling them they had either obtained my PII illegally or have illegally been provided my information as I never did business with them.nor did I ever sign up for any debt consolidation service. 


I'm still getting calls from Lendvia despite asking them to put me on the do not call list and despite signing up for the FCC no call list multiple times... 

I want Lendvia fined to oblivion for the harassing phone calls, selling my info, and damages suffered as a result... 

I half to keep my phone on silence unknown callers to block the spam calls while I work... This prevents me from receiving call backs from emergency services, management at work, it blocks family emergency calls from school and my families places 's of buinsess, and blocks me from receiving emergency calls from my kid when calling from other lines.. 

Not once was it ever disclosed to me that my PII would be distributed to unsecured third parties.
Product: Debt collection

My Request for Debt Validation letter was sent via Certified Mail on XX/XX/year>. 
This company received my letter and proceeded to add a collection account to my credit report with XXXX, XXXX, and XXXX with a significantly higher amount and is attempting to collect added interest on the balance. I followed up via phone to request a debt validation on the date they started reporting. To this day, I have received XXXX correspondence from their end. 

XX/XX/year> I.Q. Data International , Inc. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WA XXXX Balance Due : {$21000.00} Re : Request for Validation To Whom It May Concern : The validity of this debt is disputed.

This letter serves asformalnotice being sent to you in response to collections placed on my credit report. This notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 that your claim is disputed and validation is requested. This is not a request for verification or proof of my mailing address, but a request for validation made pursuant to the above-named Title and Section. 
I formally request that your office validate all tradelines reported to my credit and provide me with documents that show I have any legal obligation to pay you. Please provide me with the following : Provide historical statements which matches the balance being claimed Provide a list of charges that total the amount claim in your original letter Identify the original creditor Documentation that shows I agreed to paid this debt Show me that you are licensed to collect in my state Provide me with the agreement that gives you authority to collect this debt Provide me with your license numbers and Registered Agent Your claim can not and will not be considered if any portion of the above is not completed and returned with copies of all requested documents. 
Also Im hereby notifying you that the reporting of this item on my credit is currently in violation of the FDCPA by misrepresenting the character of this debt, and unsubstantiated reporting of tradelines to credit bureaus might be provide a basis for further liabilities against your company. If your offices have reported invalidated information to any of the 3 major Credit Bureaus XXXX XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. If you fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately to avoid further violations of the FDCPA and FCRA. 
All future communications with me must be done in writing and sent to the address noted in this letter by USPS.
Product: Checking or savings account

I was sent an email that acct closed and a check was sent to the address on file. I have owned this house and lived here since XX/XX/XXXX. After weeks of not getting the check, I was told it was sent to the state as abandoned property./ I spoke with a woman the very next day I got the email that the acct was closed and she confirmed my address that it was sent to XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX I contacted the ceo office since my son was depending on the fund which he has paid for my inhome help and other living expenses Got an email and called several times with no response I was never informed of the intent to close the acct. 
This is not a checking or saving acct that has regular activity and the cd just renewed XX/XX/XXXX. The agreement was I had no acces since my son paid my bills and for houseasssitant due to my age and several health comlications and medicaid could not find help. The acct was not abandoned and their email states it is closed and check sent to address on file so they have my address
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint againsXXXX XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Account Reporting XXXX XXXX XXXX XXXX XXXX  Dear XXXX Representative, I am writing to formally dispute the information reported on my credit report regarding the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account. Please refer to the details of the disputed account below : Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX The information being reported is inaccurate. This account has been paid in full and transferred to a new address. As such, I respectfully request that this account be removed from my credit report immediately, as it no longer reflects my current financial standing. 

To assist with your investigation, I have attached the following documents : A copy of the confirmation of payment and account closure from XXXX. 
Proof of the transfer to the new address. 
A copy of my identification ( drivers license or government-issued ID ). 
A copy of a recent utility bill or another document to verify my current address. 
Please review these documents and correct this error by deleting the inaccurate account from my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that the investigation and necessary updates to my credit report be completed within the legally allowed 30-day time frame. 

I would appreciate receiving written confirmation once this matter has been resolved. Should you need any further information from me, feel free to contact me at XXXX or XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX of 2020 care credit ( through synchrony bank ) closed my credit card which had a XXXX  balance, a card that through out the years I have held balances on and always paid my minimum payments and paid it off entirely because the purpose of this card is to be kept and used for medical emergencies ( we got and kept it active for our XXXX  year old dog and if needed our cat, but our dog had XXXX issues and was aging ). At the beginning of this year I was the first affected by the pandemic I had to use my savings the first 3 months before I got through to unemployment and have been on unemployment and at home with my XXXX children through out the pandemic. I Had to rack up all of my credit cards this year during the pandemic while caring for my mom who is XXXX  e compromised with severe XXXX also affected by the pandemic. Upon racking my my credit cards this year my credit score has fallen SIGNIFICANTLY I have to wait for my taxes to pay them off. 

XX/XX/2020 care credit snd synchrony bank who I also have 2 other credit cards with CLOSED MY XXXX BALANCE ACCOUNT. Not my XXXX card, not my XXXX XXXX card both holding a balance both of which I've had for 10+ years. Synchrony closed my XXXX  balance medical credit card that is used for emergency purpises. 

Last month our dog died we had to use our rent money. That same week our cat got attacked by an animal and is still sick and we again had to use our rent money. 

I am living solely on unemployment still and going back to work soon and have racked up all my credit cards including ones through synchrony I have faithfully paid on including interest, and this company was allowed to do this during a pandemic? 


Creditors can't charge us late fees on our accounts during a pandemic but they can close our XXXX balance accounts that are in good standing especially those for emergencies? 


Please tell me you guys have thought of this. 

Synchrony bank told me that have had ZERO COMPLAINTS ABOUT THIS ISSUE. I highly doubt I am the only person they did this to during the pandemic. 


This is something you guys should look into. 

I would love my medical emergency card back but its fine, I will make it one way or another like I always have. But this doesn't seem right, at all. 

XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am another victim of the theft of crypto assets from an IRA account maintained on Geminis crypto exchange. A substantive complaint has already been filed regarding the theft under Complaint No. XXXX. I hereby join in this Complaint and incorporate the arguments asserted in it, as they apply equally to my loss. 

My personal losses were XXXX XXXX stolen from my XXXX IRA.
Product: Debt collection

AD ASTRA RECOVERY SERVICES , INC has filed a non payment derogatory for a debt which is not mine. They claim to be representing the original creditor XXXX XXXX XXXX NM The date opened is listed as XX/XX/XXXX for a balance of {$1000.00} ; I have never contracted for any amount of money with XXXX XXXX   and certainly would not have during that time. The date reported to XXXX was XX/XX/XXXX. I had ignored all previous correspondence with XXXX   XXXX assuming that it was a phishing scam of some sort and did not want to provide them with any additional personal information or acknowledge any claimed debt. I have recently received a similar claim of an unpaid debt from another party ( not related to this instance ) and believe there has been fraudulent use of my personal information resulting in damages to my credit and subsequent unwarranted increased expense in other financial matters. I would like to see copies of any contractual agreements signed by me. XXXX XXXX filed the same derogatory claim of unpaid debt with XXXX which I promptly disputed. I was notified via email that the dispute had been resolved but was unable to access the outcome on the internet interface. After multiple failed attempts I called the support telephone number as recommended on their website and their customer service representative was also unable to access the dispute records. Worst service I have ever seen, can't understand why any financial institution would use their credit reporting services.
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 item immediately re-investigated and corrected. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} had been paid off and I was never late, I have sent several time a copy of the letter showing it was paid and it is still on my report. In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Student loan

My student loan company is increasing the payment amount from XXXX to XXXX under my IBR plan. Despite that the fact that my income actually decreased from XXXX in XXXX until XXXX in XXXX. My wife is XXXX and I am the only breadwinner. I have over $ XXXX in student loans. This is not right. I have had to make 4 attempts to apply for IBR. I have repeatedly tried to resolve this issue with them but they continually insist they are bound my law.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the ongoing inaccuracies in the disputed accounts listed on my credit report. Despite multiple requests for thorough investigations into these errors, I have not received a satisfactory resolution. The presence of these erroneous accounts is severely damaging my credit score and affecting my financial stability.

The negative impact of these inaccuracies has caused significant hardship in my life, and I urgently request your assistance in conducting a comprehensive investigation into each disputed account. It is essential that my credit report is updated and corrected without further delay to restore the accuracy and integrity of my financial records.

I kindly ask that you give this matter your immediate attention and take the necessary steps to resolve it promptly. Your cooperation in this matter would be greatly appreciated, and I look forward to your swift action. 

Thank you for your understanding and support.
Product: Credit reporting or other personal consumer reports

The CFPB complaints has been filed to request that XXXX, Transunion and XXXX block fraudulent and inaccurate information from my consumer credit report, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). I am a victim of identity theft and fraud, and the following accounts and inquiries on my credit report were opened without my knowledge or consent. I am requesting that XXXX, Transunion, and XXXX block and remove the fraudulent information from my credit report within XXXX business days of receipt of this complaint, as required under federal law. The fraudulent accounts have resulted in the appearance of multiple fraudulent hard inquiries and late payment accounts on my consumer credit report. I do not recognize any of the aforementioned accounts, or inquiries. These Items were not opened, initiated, or authorized by me, and i assert that they are the direct result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ( Original Creditor : FLORIDA XXXX ) XXXX ; XXXX XXXX ( Original Creditor : FLORIDA XXXX ) XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute 6 accounts on my credit report in accordance with the fair credit reporting act the following accounts : XXXX Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Ga XXXX Phone ( XXXX ) XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX ( XXXX ) XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX Phone ( XXXX ) XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone ( 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 604A 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

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's XXXX Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 

Account Name : DEPT OF ED/XXXX  Account Number : XXXX AMOUNT : {$1800.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$2800.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$1900.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX  Account Number : XXXX AMOUNT : {$5000.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$190.00} Reason : Account is fraudulent Account Name : XXXX XXXX/XXXX  Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX  XXXX/XXXX  Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX/XXXX  XXXX  Account Number : XXXX AMOUNT : {$770.00} Reason : Account is fraudulent Account Name : NAVIENT Account Number : XXXX AMOUNT : {$41000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX BANK ) Account Number : XXXX AMOUNT : {$930.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX BANK ) Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX BANK ) Account Number : XXXX AMOUNT : {$640.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX BANK ) Account Number : XXXX AMOUNT : {$1200.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX  ) Account Number : XXXX AMOUNT : {$460.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  ) Account Number : XXXX AMOUNT : {$690.00} Reason : Account is fraudulent Inquiries : XXXX  XXXX NA XX/XX/XXXX XXXX  XXXX AUTO FIN XXXX XXXX/XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I filed a previous complaint on XX/XX/XXXX against professional debt mediation and received a response on XX/XX/XXXX how ever the information sent to me was another person idenity I still have not had my complaint resolved but some one else 's idenity