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

My credit report showed that my social security number has been fraudulently used by the following names : Other people that have used this Social Security Number : XXXX XXXX ; XXXX XXXX I have never lived at the following addresses that are reported on my credit report : XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX, ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - XXXX XXXX County
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and Experian to remove these inquiries and all attempts failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I paid the entire balance on my Chase Visa. After submitting the payment my balance showed {$0.00} balance. I noticed at the end of XX/XX/2020 after my credit score kept dropping that I had a balance of {$6.00} on my card unbeknownst to me. As soon as I found out about the balance it was paid on XX/XX/2020. I have never had ONE late payment ever and for Chase to penalize me to this extent is ridiculous!!!!! My credit score is now XXXX and my balance has been reduced to {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX made a mistake applying my mortgage payment for the month of XXXX then reported a 30 day late payment to my credit history that was NOT my fault. My numerous attempts to get ahold of the bank and to request them to correct their own mistake went ignored and all letters and call were unanswered ...
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the reporting of a debt on my credit report by Creditor/Furnisher XXXX XXXX associated with account number XXXX. It has come to my attention that this company is reporting a canceled debt on my credit report. However, they have failed to provide me with a 1099-C form as required by the IRS.

According to IRS regulations, creditors must issue a 1099-C form when a debt of {$600.00} or more is canceled or forgiven. This form is necessary for me to accurately report my income and comply with tax obligations. Despite this requirement, I have not received any such documentation from XXXX. 

This lack of documentation and communication is causing confusion and distress, as I am unable to verify or address this alleged debt appropriately. Additionally, reporting this debt on my credit report without providing the necessary 1099-C form is unfair and misleading. 

I request that you investigate this matter promptly and remove the inaccurate and unverifiable debt entry from my credit report. Please also provide me with confirmation of this action once it has been completed. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing once again to your department to dispute this negative entry on my credit report that I believe to be inaccurate. The item in question is : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update/remove the Address, Names, Employer information. Please see attached document with details.
Product: Credit reporting, credit repair services, or other personal consumer reports

The basis of my dispute is that my dad file for BK but because we share the same name and the SSN # is off by 1 digit, my credit was mixed and credit were notified that I file for BK. Once that occurred ; the company would no longer communicate with me or accept payments which caused the delinquencies of these accounts.
Product: Credit reporting or other personal consumer reports

Hello, i am complaining here because i have contacting TransUnion reguarding unauthorized usage of my credit, XXXX and XXXX have resolved this issue and recieved my complain, TransUnion has not, I have never gave any authorization to have my credit ran by any of these companys, and I have kept all my information secure, I also have a fraud alert set up, You need to remove these fraudulent information immediately from my credit report as I am a victom of identity theft. Resolve in a timely matter. 
1st ( unauthorized company inquiry ) - XXXX XXXX ( Date XXXX ) 2nd ( unauthorized company inquiry XXXX XXXX XXXX  ( DATE XXXX ) 3rd ( Unauthorized company inquiry ) -XXXX XXXX XXXX XXXX XXXXXXXX ) I do not own any vehicle and I was never looking into purchasing any vehicle
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint under the Family Educational Rights and Privacy Act ( FERPA ) after being notified that my education records were compromised in a recent security breach at [ XXXX XXXX XXXX, XXXX XXXX, XXXX ]. This incident constitutes a violation of my privacy rights under 34 CFR Part 99, as my personally identifiable information ( PII ) and educational records were disclosed without authorization.
Product: Credit reporting or other personal consumer reports

Per the privacy act of 1974 credit reporting has been violated the uploaded letter is advising that The XXXX Bankruptcy XXXX, XXXX XXXX XXXX California does not report information to any credit reporting agency
Product: Prepaid card

I bought a few Vanilla gift cards for the holiday and some have scartch number on the card that I cant use and one has paper covering the card with fraud. 

I have opened cases with the company and sent over all docusmnets they asked for but after few months still no one contacted me for any resolution. I tried calling several times but no answer was given. 

It's been over 2 months and its over {$1000.00}.
Product: Credit reporting or other personal consumer reports

It is my personal statement that the inquiries that I have listed are a result of identity theft and need to be deleted pursuant to 15 USC 1681c-2 on clear grounds of identity theft. Also, pursuant to 15 USC 1681e ( b ) update my personal information to reflect accurate records See Attached Identity Theft Report.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of fraudulent accounts and unauthorized inquiries listed on my credit report. I am a victim of identity theft, and these accounts were established without my authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my right to request that these items be permanently removed. 
XXXXaudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My car was repossessed on XX/XX/2020 by Ally Financial. To date, I have no information as to whether my car has been sold, if there is a deficiency, or how much that deficiency may be. If it has not been sold, I do not know the location of my car, or what Ally intends to do with my car. 

Ally committed various violations of the UCC. Ally employed the services of an attorney to approach me regarding resolution. Each time I have presented an attempt at resolution, Ally has declined. 

It has now been 7 months since my car was repossessed, and I have yet to receive an itemized list of charges associated with the repossession. I do not know the location of my car, what would need to be paid in order to retrieve my car, and what their plans are for my car. If it has been sold, I have received no information regarding sale. 

I recently noted that Ally has posted additional charges reflected on XXXX XXXX. However, I have received no notices of this newly accrued debt from Ally. I tried to log into my online Ally account to download my statement, but my online account is no longer accessible. 

I have made calls to try and get more information regarding my car. Each time I call, I am transferred to an executive dept where I have left a voicemail. My calls have not been returned, and at this point, I feel as though I have no way of obtaining information I am entitled to receive, per CA State Consumer Law. 

In addition, my car may have depreciated a great deal in the seven months since my car was illegally repossessed. In addition to devaluation over time, am uncertain as to where my car has been stored. If outdoors, I am not sure what elements it may have been exposed to, and as a result, the possible wear and tear on my vehicles appearance. If it has been exposed to a harsh environment, my car would then obviously decrease in value. This, in turn, would create an unfair disparity in value. I am concerned that the overall state of my car may have lost value due to location, in addition to the seven months my car has been held by Ally Financial. This potential loss in value has been out of my control entirely, yet I am still on the hook for the entire loan, regardless of decrease in value. 

This statement only represents a portion of what has taken place, and only represents a portion of how Ally has mishandled this situation. 

I would appreciate any help or guidance with this situation, as Ally Financial has at this point disengaged from communications. 

Thanks in Advance for your help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convenient XXXX XXXXXXXX XXXX account 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 also states a consumer reporting agency can not Furnish a account without my written signature or instructions to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report has I name on there I have never went by.
Product: Credit card

I booked a non-refundable hotel reservation with XXXX in XXXX. After back and forth with the hotel and XXXX, the hotel did not find a reservation in my name in their system, so I booked and paid for a reservation directly with the hotel. XXXX would not refund my booking with them, despite being unable to show that they booked me a room with the hotel ( they even provided the confirmation number of the booking I had booked directly with the hotel to claim that was the reservation they had booked for me, which was an absolute misrepresentation and lie ). I filed a dispute with Chase for the {$2800.00} XXXX charge, as I had booked and paid for my own reservation directly with the hotel to make sure that my vacation would go as planned ( this was just 2 weeks before my flights/trip was set to occur ). Chase denied my dispute a few weeks ago. I appealed the denial and today, XX/XX/year>, received another notice that Chase denied my claim despite the supporting documentation I provided. I am being forced to pay {$2800.00} to XXXX despite them not providing the service in exchange for that payment, which is a scam and theft.
Product: Debt collection

Comenity Capitol Bank has a defaulted account in my name for a Forever 21 store card I never opened. I had identity theft issues during the XXXX  breach a few years back. I disputed many accounts that came up in my name but have had a lot of trouble with this particular one. Ive disputed many times and other. Credit collection companies just pick it up again
Product: Debt collection

XXXX from this place contacted me about a debt that I have no idea what he is talking about. 
XXXX contacted me today in regards to a debt for XXXX. He said that I have to pay the amount today. He asked me to verify information in which I replied I would not until he told me who he was. I told him if I owed a debt I wanted a written document stating the required information. He stated he could not control the mail system and proceeded to EMAIL this to me. I stated that I wanted a written letter. He would not state the debt verbatium that is supposed to be stated at the beginning of the call. He waited until the end of the call, so glad I did not verify information because of this. He told me I had 48 hours to file a police report. I told him no, once I received written documentation in the mail, I would look into the matter, he stated that he sent letters and nothing had been returned, so I must have received the letter. I informed him that if I received a letter, I would not be asking for one at this time. He then asked how much I could pay today, and again I told him nothing. He asked when my next payday is, which is none of his business. I have included a copy of an email that was sent. He told me to contact him at XXXX, but that number is not listed on this email. I do not know who these people are or what scam they are trying to run, but it needs to stop. 
ZFN & Associates has made the decision to offer you an opportunity to make acceptable payment arrangements on your account. 

In order for you to make voluntary restitution, your payment ( s ) in the amount of {$1400.00} is due today, XXXX/XXXX/2016, after receiving this letter. 

If you fail to comply with the above terms this office will, without further notice, declare the entire balance due and proceed accordingly. 

You can call us at XXXX between the hours of XXXX and XXXX, EST, Monday and XXXX to XXXX, XXXX, Tuesday through Friday. After hours and weekends we have voice mail to receive any messages. Please refer to the ID number indicated above. 

This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. 

ZFN & Associates
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the negative credit account listed on my credit report by your institution, which pertains to an alleged credit card debt opened in my name with XXXX XXXX XXXX. The account in question has an account number of XXXX and a balance of {$10000.00}. This account was reported as opened on XX/XX/2022. 

I must stress that this account is fraudulent and is not associated with any legitimate financial transaction or contractual agreement entered into by me. As a victim of identity theft, I have taken all necessary steps to address this issue, including filing a police report and submitting a report to the Federal Trade Commission ( FTC ). 

The address associated with this account does not match my records, further indicating fraudulent activity. This discrepancy serves as additional evidence that I am not responsible for this debt. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request validation of this debt and demand that it be removed from my credit report if it can not be substantiated as legitimate. Specifically, FCRA Sections 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( A ) require you to verify the accuracy of the debt and the ownership of the account. If you can not verify ownership of the account, it must be deleted from my credit report. 

I request that XXXX, TransUnion XXXX XXXX provide me with detailed documentation verifying the validity of this debt and confirming my responsibility for it. If you are unable to provide such verification, I insist that you remove this fraudulent account from my credit report immediately. 

Failure to comply with this request within the timeframe specified by law will leave me with no choice but to take further legal action. This may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and contacting the Attorney General 's office to report your institution 's non-compliance with federal regulations. Additionally, I reserve the right to pursue civil remedies available to me under the FCRA. 

I expect a prompt response to this matter within [ insert timeframe as per your jurisdiction 's laws, typically 30 days ]. Please direct all correspondence regarding this issue to the address provided above. 

Thank you for your immediate attention to this matter. I trust that you will handle this dispute with the seriousness and urgency it warrants.
Product: Debt collection

Americollect called me and told me about a debt that I had I was very on sure if it was my debt so I asked them if they could sent me a validation letter asking for that what this debt was for and what I was paying them for that was back in XX/XX/2019. I have not yet received anything and I have asked them repeatedly to send me something. When I would ask this would be when they would ask for money. What I mean is I am am already paying them {$330.00} dollars a month and they still call me asking for more money from me but still they do not send me anything to validate my debt. The last time I asked them was In XXXX and I called them for it. Still Nothing. Now I am still paying them {$330.00} dollars a month and I don't even know if this is my debt. I can not to keep paying them this ridicules amount of money my family and I can not afford it. I am a family of XXXX making less then XXXX and they know this but that is what they said I had to pay or they where going to said this over to their lawyers and sue me.Not only that the woman was horrible mean to me when I started asking questions about my bill she said I had to pay that amount. They say they are the nicest people but they are not at all good to people by any means.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I got a message on instagram from a guy who was offering to be my " XXXX XXXX ''. At first I was hesitant until he sent me a check of {$1900.00}. He had asked me to send money to a " friend '' of his who was helping out in an orphanage. He had asked me to send {$1400.00}. On Friday, XX/XX/XXXX I sent {$400.00} to the " friend '' because I fell for the scam. On Saturday, XX/XX/XXXX I made the next transaction of {$500.00}. On Sunday, XX/XX/XXXX I sent another {$500.00}. I thought nothing of it at this point because I was sending his money. After I sent that last bit I confronted him about it and he played it off. He asked me to send more money and I told him no so he got mad. Today, XX/XX/XXXX, I saw he withdraw-led the check he had sent me. I still have the pictures of the check. I also have the name and the phone number of the person he had me sent it to. I made these transactions through Zelle. I read through their " most asked questions '' and they would not give my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to rectify this matter with the credit agencies but they have not removed this inaccurate information from my credit file. I have address information that is incorrect on my credit file. This is a result of identity theft or they are reporting in error the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S. Code 1681c2 you are in violation for reporting a fraudulent account on my credit report. I demand this account to be removed within 4 days of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER SEEING XXXX ON SUNDAY ABOUT THE CONSUMER REPORTING COMPANYS REPORTING INFORMATION ON CONSUMER REPORTS THAT SHOULD NOT BE I CHECKED MY CONSUMER REPORT AND TO MY SURPRISE DOZENS OF ACCOUNTS WAS LISTED ON MY CONSUMER REPORT FILE THAT I HAVE NEVER GAVE WRITTEN INSTRUCTION TO DO PURSUANT TO. 

1.15 USC 1681SECTION SECTION 602 A 2. 15 USC 1681 SECTION 604A SECTION 2 THE LAW IS CLEAR OF WHAT CAN BE DONE AND MY RIGHTS HAVE BEEN VIOLATED IN ACCORDANCES WITH THE FCRA
Product: Bank account or service

I opened a checking acct on XXXX 2016, at US bank with a promotional ad. The ad said if I opened the acct. with direct deposit US bank will give me {$200.00}. I opened it over 4 months ago. I spoke with employee XXXX XXXX who claim she does not know anything about the ad. I spoke XXXX XXXX, who spoke to someone at the main office. I was told I qualified for the promotion, as long as I did not have a negative on my acct. They said I should see the money by the end of XXXX. Here is XXXX and still no money. I 've been to the bank several times no success. Hopefully you can help.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

Section 604 requires a credit bureau to remove this XXXX XXXX XXXX XXXX so many corruptions, human rights violation, Section 604 violations and VAWA act violation ( VAWA Act protects XXXX XXXX life ) and XXXX  hate crime violation ( Windsor Washington is Asian American ) ] in the Honorable XXXX XXXX  credit report. Section 604 and VAWA act protect the XXXX XXXX XXXX and his children. Section 604 instructs credit bureau to remove this in the XXXX XXXX  credit report in this pandemic. XXXX XXXX has resided in XXXX XXXX  capital belt area. ( Not in XXXX  XXXX. 

The United States of America federal government protects the Honorable XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX case # XXXX, special immigrant protection, Approval ) - attached file the XXXX XXXX Governments special protection legal documents. 
This verified federal document gives special protection for The XXXX XXXX XXXX XXXX Full custody ) and his children