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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$750.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account .This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here Is the account I am asking you to verify as accurate : account name : XXXX : account number : XXXX
Product: Credit card or prepaid card

CAPITALONE FRAUD REFERENCE # XXXX I, XXXX XXXX, did not receive my new credit card because I moved. The credit card was received by an unknown person and the card was used for unauthorized purchases I did not make. I contacted the credit card company immediately when I discovered the unauthorized charges. Someone that said they were calling from Capital one contacted me in mid XXXX and asked me for a security code to prevent fraud. When I called to make my fraud claim I told the fraud representative about the strange call I received for a security code. They told me I would not be held liable for any unauthorized charges. However, Mr XXXX XXXX Stated that my claim was being denied because I had a fraud claim two years ago in 2018. I have no idea what that has to do with this new claim. I have had this card for years. Mr XXXX stated he did not believe me so he was denying my claim. I feel he is being unprofessional. I do not believe I should be held liable for unauthorized charges I did not make. I never been to the merchant that the charges that were made at before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the creditors directly ( multiple times ), and all have failed to provide ANY form of verification, authorization, or proof of permissible purpose I have contacted Transunion multiple times informing them of this, and they too have failed to verify these inquiries Since neither Transunion or the creditors are able to provide this proof, I am requesting that was hey be removed
Product: Checking or savings account

I opened a Checking account with Chase on Saturday, XX/XX/2018. I made a deposit of {$720.00} to open the account. I made a withdraw the same day of {$700.00} left only what was neede to open the account. XX/XX/2018 a deposit from XXXX XXXX account was posted {$310.00}. On XX/XX/2018 My account was closed due to the bank not being able to keep an account opened for me. At this point there is {$340.00} in the now closed bank account. I contacted the bank XX/XX/2018 to find out what was going on, they explained that the account was closed and that they will send a check 7 to 10 days from when the account was closed or approved for closure. Thursday XX/XX/2018 a check in the amount of {$25.00} came in the mail. I contacted Chase and asked about the {$310.00}? they then explained that they needed to verify the money was mine and then they will release a new check. I walked in to the bank Monday XX/XX/2018 to verify the money was mine. They said it is verified and now they will need to send a check. It is now XX/XX/2018 and I still have not received the {$310.00}. I called the bank several times and they say the money is approved, they just need to send the check, and that I will get a check when they get to it. No letters or emails where ever sent to me to let me know what was going on. I cant log on to my online account to see any statements or letters. Now my XXXX XXXX XXXX is going to be cut for lack of payment due to all of this.
Product: Credit card or prepaid card

I was physically attacked on XX/XX/2022. My purse and keys were stolen during the attack. During the attack, they took my phone in my purse with all of my identifiable information in it. I used someone else phone to contact chime customer service to deactivate my cards but they refused because they said I could not authenticate my account. The Chime customer service rep had asked me to verify XXXX transaction from that day. I knew I had just gotten paid so I advised him of the amount of my check. And he said that he could not find the transactions. I attempted to call back and do the same thing twice. But they would not allow me to do so due to issues with the authentication. I was not able to file a dispute until the XXXX when someone was able to finally see the deposit. As a result, all of my money was stolen from the account. I submitted as much evidence as I could including a claim ID for the police report and my work schedule with the clock-in times. I believe they decided this was not sufficient because my job is based in a different time zone. I have to be at work at XXXX XXXX  mountain time which is XXXX oclock central standard time. Also, the representative that without the dispute included transactions that were automatic payments for some of my bills. When I ask her to fix it she said that she couldnt because it would automatically be denied my claim and I would not be able to Refile it. I had sent it to reach out to the merchants that she was not supposed to include in the transactions but it still resulted in my revolving account being shut down. I believe lithisbis the reason that my claim was denied. I also included a rebuttal asking for the claim to be reopened. I also asked for documentation regarding the dispute which they refused to give me. When I emailed the dispute specialist was informed that she could have noted the account so that the claim could have reflected my statement regarding the automatic transactions. It's been a nightmare trying to get my money back
Product: Credit reporting or other personal consumer reports

collection as well as loan accounts are on my credit file & should not be XXXX/GREENSKY : {$2800.00} chargeoff XXXX XXXX XXXX : {$840.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a XXXX year old XXXX XXXX. You have multiple accounts registered under my name with balances due. This is incorrect and needs to be removed as soon as you receive this communication from me!
Product: Debt collection

On XX/XX/2018 a negative remark was placed onto my credit profile. XXXX XXXX XXXX  XXXX sent a medical bill debt to collections which i did not know i owed, nor i ever recieved a letter from XXXX XXXX XXXX XXXX stating i had a debt to pay ( {$220.00} ). They also did not call or inform me in any way that they sent my debt to a collection agency called XXXX XXXX XXXX. I realized i had this debt in collections when i tried applying for a mortgage loan, i was turned down because of negative remark on my credit profile which is affecting me in a very bad way. I looked up my credit profile and found negative remark on my profile, i contacted original issuer and they denied in trying to help me in any way.I also contacted XXXX XXXX XXXX and they did not assist me with my troubles and negative remark on credit profile. I was also not aware that original debt sold my contract onto a collection agency which they need a signature of my behalf to do so in the first place and is illegal to impact my credit score.
Product: Checking or savings account

I received an offer ( attached ) from XXXX Bank about opening a new checking account with them. The offer required me to open any checking account between XX/XX/XXXX and XX/XX/XXXX and complete 10 debit card purchases within 60 days of account opening to receive {$150.00}. I opened a simple checking account in a branch on XX/XX/XXXX and completed 10 debit purchases on XX/XX/XXXX. My account was a new account and neither I nor any member of my household had any account with XXXX bank when this account was opened. The terms of the offer stated that once the requirements have been fulfilled, the {$150.00} will be paid in 4 to 6 weeks. Around 8 weeks have passed since I made those 10 debit purchases, but the {$150.00} was never paid out and contacting the customer service led me nowhere.
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX  account # XXXX XXXXXXXX XXXX  account # XXXXXXXX XXXX XXXXXXXX account # XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX XXXX account XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding a charged-off revolving account from XXXX, reported inaccurately across all three credit bureaus. This account contains multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : Violations : FCRA 609 ( a ) ( 1 ) & 611 Inconsistent and Inaccurate Reporting Discrepancies across TransUnion, Experian, and Equifax include : Date Opened Date Last Active Date of Last Payment These inconsistencies prevent me from understanding or verifying the debt and are therefore unlawful.

FCRA 623 Re-Aging of Delinquency The debt was last paid in XXXX, but bureaus are showing Last Active and Last Reported dates as recent as XXXX, falsely extending how long the negative item appears. 
FDCPA 807 ( 2 ) ( A ) Misrepresentation of Debt Status The account reflects a {$0.00} balance, yet is still listed as Collection/Charge-Off and Derogatory.

This is misleading and negatively affects my credit standing unjustly.

FCRA 605 ( c ) Duplicate Negative Reporting The account was Purchased by another lender, yet continues to show as an active derogatory tradeline by the original creditor.

This results in a double negative impact, which is not allowed under the law.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft stemming from both the XXXX data breach and the XXXX data breach, in which my personal information was compromised and subsequently misused without my knowledge or consent. On XX/XX/XXXX, XXXX publicly disclosed that on XX/XX/XXXX it had suffered a significant data breach due to Hackers, with a revised announcement in XX/XX/XXXX stating that all three ( XXXX ) billion of its accounts were affected and the names, email addressed, phone numbers, birth dates, passwords, calendars and security questions of its account holders were compromised. On XX/XX/XXXX, XXXX disclosed a major data breach between XX/XX/XXXX and XX/XX/XXXX that exposed consumer data, including names, addresses, phone numbers, email addresses, and potentially other sensitive personal information. Due to these breaches, I have reason to believe that my personal data was used to open unauthorized accounts in my name. 

These breaches exposed sensitive personal data, and since then, my information has been fraudulently used without my knowledge or consent. These fraudulent accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I demand that the aforementioned fraudulent accounts be removed from all 3 of my credit reports. 

These accounts have resulted in several fraudulent collections, closed accounts and charge offs appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaints ( # XXXX ) and ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of Identity Theft and Fraud.
Product: Student loan

I was enrolled in XXXX college here in XXXX texas i started XX/XX/2016 and it was a 2 year program but i found out the school closed on XX/XX/2016 and shortly after they filed for bankruptcy. i was told by UAS ( University accounting service ) that i was still responsible for the private loan that they paid out to the school on my behalf. Im in the process of getting my government loans forgiven through the dept of education, im just waiting on their response but this private loan is such a nightmare i didnt even get to benefit from the money they paid to XXXX i was barely beginning my schooling. If there is anything that could be done id be so appreciative. After the school closed i found out i was XXXX and this school loan has been weighing heavily on me i dont want my credit ruined for a loan i didnt use and can not repay. This private loan place is where career point said they have a contract with and always use them and career point did all the paperwork and i just signed. The private loan is about XXXX and through UAS there number is XXXX. Website is XXXX. I really hope you can help me. Thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a disputed was filed for XXXX and XXXX to correct inaccuracies on credit files. On XX/XX/year> on Credit Karma website a dispute was also filed due to hard inquiries, 2 closed accounts ( XXXX XXXX ) that are unknown accounts that I do not own. 

On Credit Karma website states a dispute does not change score. Within hours my credit score was dropped and stated XXXX dropped score and this is why it changed on credit karma. After logging into XXXX I seen that there was no change in XXXX site only on Credit Karma. 

Credit Karma is in violation of FCRA : 15 USC 1666d 1. Violations of the Fair Credit Reporting Act ( FCRA ) Under Section 604 ( a ) ( 3 ) ( A ) of the FCRA, it is unlawful for any credit reporting agency or bureau to report inaccurate or incomplete information on a consumers credit report. Specifically, accounts that have been charged off and are no longer active should not display open balances. The FCRA mandates that all credit reporting must reflect accurate, up-to-date information about the consumers accounts. Since both of these accounts have been closed and charged off, it is unlawful for them to still show open balances.

2. Inaccuracy in Reporting Closed Accounts The practice of continuing to report open balances on closed, charged-off accounts violates both the FCRA and other consumer protection statutes that require accurate credit reporting. Under FCRA Section 605 ( a ), negative information such as a charge-off is only allowed to remain on the report for a limited time ( typically seven years ), and only if the information is correct and reflective of the actual account status. In my case, the ongoing reporting of these charged-off accounts with open balances is an inaccurate reflection of the current status of these accounts.

3. The Inaccuracy of Reporting Charged-Off Accounts Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ), it is illegal to report accounts that have been sold, transferred, or charged off as still being active or open when they are not. XXXX  sale of my account to XXXXXXXX XXXX does not mean that the account should remain open or continue to show a balance. The status should reflect the final charge-off and XXXX balance as a result of the sale. 
4. The Legal Requirement for Accurate Reporting The Consumer Financial Protection Bureau ( CFPB ) also mandates that all consumer information reported to credit bureaus must be accurate and timely. The ongoing misrepresentation of these accounts as having an open balance, despite being charged off, creates false information about my financial history, which can lead to unwarranted harm to my creditworthiness.
Product: Debt collection

I purchased a XXXX and a XXXX kia optima from XXXX kia in XXXX Illinois,. 
31 USC 51 18 D Sect.2 the promissory note paid for the car. 
My first payment went to a debt collector. 
A debt collector can only have possession if I'm behind in payments. 
This debt collector is not protected as they purchased my debt in good standing. 
It is illegal to have possession of my debt when in good standing. 
15 USC 16 92 F part 6 15 USC 6802 USC 1681 sect 602 Right to Privacy USC 1681 sect. 604 A sect 2 I did not give any consent.
Product: Credit card or prepaid card

I just received my credit report and noticed that somebody applied for a XXXX XXXX XXXX XXXX  in my name. This has been an ongoing thing with somebody using my name during this covid 19 tragedy
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested an investigation on several accounts with XXXX, XXXX, an XXXX. The investigation took well over 30 days and this has caused me the consumer a deal of trouble that these accounts have been inaccurately reporting. I gave the credit reporting agencies 30 days to comply and they failed.
Product: Money transfer, virtual currency, or money service

As of XX/XX/2023, I was affected by an outage that Venmo had when everyone else was able to login three days later I am still affected as I call every day and spent countless hours in emails doing the same repeated thing, and they give me the same answer that its being escalated. Well, I have found out that its not being escalated as they are just told to say that and they have no solution. currently I am homeless as all my funds were in there, and I can not access anything they do not care and have not done anything. I need immediate attention I have been more than patient. Please do something immediately I know Im not the only one affected. They will not even reimburse me and then debit my account so I could get a motel room to live in.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 45 days ago, I mailed in requests to XXXX, Experian, and XXXX XXXX asking them to correct errors on my credit report. XXXX  and XXXX XXXX responded within 30 days, like they were supposed to ; but I still haven't gotten anything in the mail from Experian. I even mailed a follow-up letter to them, which has also gone ignored.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax regarding their refusal to process my dispute despite providing all necessary documentation. This situation violates consumer protection laws, and I am seeking assistance in resolving this matter. On XX/XX/2024, I submitted a dispute to Equifax regarding inaccuracies on my credit report. I provided all required documentation to support my dispute, including copy of bank statement and drivers license. However, Equifax has refused to process my dispute, claiming that I did not provide the necessary information. This is untrue, as I have proof of submitting all required documentation. Equifax 's refusal to process my dispute is not only frustrating but also damaging to my financial well-being. As a consumer, I have the right to dispute inaccurate information on my credit report and expect credit reporting agencies to handle disputes in a fair and timely manner. I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against Equifax for violating consumer protection laws. I request that Equifax be required to process my dispute promptly and accurately, and that measures be taken to prevent similar incidents from occurring in the future. Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX