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

I am writing to dispute the unauthorized furnishing of my personal credit information by your CREDIT BUREAU. According to my recent credit report, there are entries that I did not authorize and which I know are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the XXXX letter and dispute I have sent to this COMPANY along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this CREDIT BUREAU is violating my consumer rights and not protecting me as an American Consumer according to the stated laws. This is my XXXX notice to this BUREAU notifying you guys that these listed accounts were opened fraudulently. My information isnt protected, and this credit bureau isnt honoring my identity theft claim. Ive started legal litigation and will be suing this CREDIT BUREAU ; this company did not honor my rights or acknowledge my supporting documents regarding identity theft. These accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, I am suing for my rights being violated, pain and suffering, false allegations from this CREDIT BUREAU, and assisting to furnish a wrong, and fraudulent accounts. I demanded these accounts be removed, and my legal rights, and laws be honored, and this CREDIT BUREAU DIDNT HONOR MY CONSUMER RIGHTS. THIS ACT IS PUNISHABLE BY LAW BECAUSE THIS CREDIT BUREAR IS ADDING AND ASSISTING IN AGGRAVATED IDENTITY THEFT. 


THESE PEOPLE CREATED FAKE DOCUMENTS TO OPEN AND OBTAIN CREDIT CARDS, LOANS AND LEASES IN MY NAME. THESE INDIVIDUALS OBTAINED MY INFORMATION FROM MY ENTIRE WALLET BEING STOLEN, EVER SINCE THEN THESE CRIMINALS HAVE BEEN USING MY IDENTITY INFOROMATION TO OPEN UP CREDIT CARD ACCOUNTS AND CAR LOAN ACCOUNTS. 


My identity has been stolen and compromised ; this is the XXXX notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in the opening account, and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX XXXX defrauded {$15000.00} from me and did the same thing to many other people. He promised me a low risk investment with a high return every month. He stated I would get $ XXXX per month. He lied. I asked him for my money back and he refused to give it back. I filled a complaint with the FBI, FTC, SEC and asked Chase Bank to recover the funds back to my account. Chase Bank has not responded or take any action.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and TransUnion have failed to fulfill their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures aligned with my experience, where XXXX XXXX and TransUnion have neither corrected nor removed disputed accounts, as their inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

The credit card company JP Morgan chase keeps reporting on my credit report for a credit card! It is inaccurate as it is reporting as a profit or loss/writeoff. I never received a 1099 form! It is a violation of my rights because I have not been provided with a 1099 form. It is fraud to report a debt as a profit or loss and not produce a copy of their write off! The 1099 profit or loss has to be reported to the IRS and without my copy of that form from this company it is a violation of my rights as well as fraud!
Product: Checking or savings account

I rented a car from XXXX at XXXX airport on XX/XX/XXXX -XX/XX/XXXX, daily rental fee was {$46.00} plus insurance total {$530.00}. I needed to return home earlier and mentioned that possibility to the clerk and he said " no problem ''. Later I found out that Bank of America was charged {$590.00} on my debit card as a result of returning car earlier. I was willing to pay for the original cost even though I only used the car 4 days but they gauged me with {$280.00} daily rental fee totalling to j {$1100.00} I have all documents and would like to see justice for this stealth highway robbery where they can charge whatever they like. I disputed with B of A but ended up declined. Please help me.
Product: Credit reporting or other personal consumer reports

Open checking my credit reports in XX/XX/year> I found Ava finance and several other fraudulent accounts are being unfairly reported on my credit report. I never gave this account any permission to run my credit or use my credit. I demand that they discontinue furnishing this information as it is violating my credit laws accord to the Truth and lender act and FCRA.
Product: Bank account or service

I have a Rushcard and my pay is deposited twice per month there has been an issue with customers of Rush including my self with having access to our money for more than a week some longer. My most recent issue is that my balance is not correct. Rushcard is saying that a gas merchant is holding XXXX for XXXX gas transactions XXXX for XXXX the other for XXXX. I have use this place XXXX of times now all of a sudden they are holding XXXX of my money for XXXX worth of gas, my balance with Rush changed 5 times in one day and on the day i got my deposit into my debit card less than half my pay was in there, that is due to Rush and not the merchant. Their was and is a problem with my availble balance because of Rush, if the merchant is holding my funds it is out of concern that Rush will not pay or when the merchant submits for payment that person will show no funds available because of the issues at Rushcard I have no money to finish paying my bills. XXXX remaing bills are for insurance and if not paid they will lapse. Nothing fair about this, people are suffering in many ways due to Rushcards carelessness
Product: Debt collection

Never heard of this company. Theyre falsely listing this account of my credit report. They say I owe them {$770.00}
Product: Debt collection

Ive been a victim of identity theft since XXXX. I have been paying off debt that isnt mines for years to have them removed from my credit file. 

I pulled my credit file, I have XXXX XXXX listed on my credit file, immediately I contacted XXXX  XXXX to report fraud as I only have one credit card with XXXX XXXX which I received in XXXX. I was advise by representative, to write in about complaint. I wrote in 4 times to collection agency Portfolio Recovery, this company only sends a bill. Every time I call back they say write in they send me a bill. 


After not receiving any help after sending all of my IDs and verification information and FTC affidavit the company responds only with a bill. I call and get transferred overseas and a script read to me. I thought about paying the company but I can not keep paying for debts I that are not my own. 

Portfolio Recovery refuses to follow FCRA guidelines for identity theft or for 30 day response time. Ive provided all documentation to prove identity theft. This company also opened this account after never called me to ask identifying questions which is listed on my credit file before lending any credit in my name. Ive been in contacting this company with no debt validation investigation performed. I keep getting sent overseas and the debt keeps fluctuating in amount. I am unsure what to do at this point. 

Please help, unsure what to do at this point. 

Company stating I must make payments and Is severely damaging my credit profile. This company is not following the fair credit reporting act or following ID theft laws. Also I have a freeze on credit file which states company must call to verify I am the actual person taking out debt. No phone calls received. Please help. 

- followed procedure in reporting the fraud, company responds with bill and no response to debt or fraud documents. 
- spoke with legal which advised me to file report. 

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

Subject : Urgent Resolution of Inaccurate and Incomplete Information on my XXXX Credit Report Dear Sir/Madam , I am writing to bring your immediate attention to a persisting issue concerning inaccurate and incomplete information on my XXXX Credit report , which is having a detrimental impact on my financial standing. Despite having disputed this item on numerous occasions, I have received the same generic response repeatedly, indicating a lack of proper investigation as mandated by the law. 

Specifically, I would like to draw your attention to the inclusion of XXXX XXXX as a collection account on my credit report. This entry pertains to a solar system installed at a property that is not associated with me in any way. I have never owned or resided at the address linked to this account. 

I have taken various steps to rectify this error, including written communication, online disputes, and phone calls. However, I have been met with persistent resistance in removing the incorrect address affiliated with this collection. Despite my continuous efforts, the credit services have failed to address this issue and have not taken the necessary steps to remove the erroneous information from my credit report. 

Furthermore, I had previously requested validation of the debt over 60 days ago, but I have yet to receive any substantiating documentation. Despite the lack of evidence, your agency continues to claim that the debt has been verified. I find this highly concerning and question how such validation could have been accomplished when I have resided at the same address for over 20 years. 

I am deeply concerned about the lasting impact of this erroneous information on my financial status and overall creditworthiness. It is imperative that you take immediate action to rectify this situation. I demand the following actions to be taken promptly : Removal of the incorrect address associated with the XXXX XXXX collection account from my credit report. 
Provision of proper investigation and validation of the debt, including any supporting documentation. 
Swift resolution of this matter within the timeframe mandated by law to prevent further harm to my financial reputation. 
Please be advised that failure to address this matter adequately will leave me with no choice but to escalate my complaint to relevant regulatory authorities and seek legal counsel to protect my rights under the Fair Credit Reporting Act. 

I have attached copies of previous correspondence and supporting documents to assist you in addressing this issue effectively. I expect a written response within 30 days of receiving this letter, confirming the actions taken to resolve this matter. Additionally, I request that all future communications regarding this dispute be made in writing to maintain a clear record of our interactions. 

I trust that you will take this matter seriously and rectify the inaccuracies promptly. Your cooperation in resolving this issue is greatly appreciated. Thank you for your attention to this matter. 

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

I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last XXXX or so dollars was turned back over to the State through the Alaska XXXX XXXX XXXX XXXX XXXX to satisfy the remanding balance of the loan. The Alaska XXXX XXXX XXXX XXXX sent me a letter verifying the debt had been paid. The XXXX XXXX I am referring to is in the total amount of {$6700.00}. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska XXXX XXXX XXXX XXXX regarding this in late XXXX maybe early XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX XXXX. Box XXXX XXXX XXXX, PA XXXX Disputed Sums, Navient P.O. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska XXXX XXXX XXXX XXXX stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney XXXX XXXX, and Federal Trade Commission.
Product: Checking or savings account

i tried to sign on to my account and it wouldnt let me
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

I had a business phone account. My business closed down and I did not make payments for a month. Then XXXX sent my account to collections. I paid it off before I knew it went to collections. I disputed this to Equifax and XXXX XXXX and they both told me they needed evidence and did nothing. I don't have any evidence to show that I did not receive notice that this account would be going to collections. 

There are XXXX collections lines for the same thing and these have effected my credit so much. I tried to dispute them and it got me nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of Identity theft and had several accounts opened in my name fraudulently as well as several attempts made to open fraudulent accounts. 
I have added fraud alerts to my consumer credit reports as well as contacted the creditors of the accounts opened fraudulently. I was recently assured by XXXXXXXX XXXX that account ending in XXXX would be removed or blocked from my reports yet XXXX and XXXX continue to report the accounts and have not blocked them as requested. XXXX XXXX has removed the account as requested.
Product: Credit reporting or other personal consumer reports

in accordance with credit reporting act XXXX account # XXXX # XXXX. 

15 U.S.C 1681 section 602 A. states l have the right to privacy. 


15 U.S.C1681 section 604 A. section 2 : lt 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

3 separate hard inquiries were made on my credit report that I did not authorize.

2 on my Equifax made XX/XX/2021 1 on my XXXX  made XX/XX/2021 -XXXX XXXX XXXX/XXXX XXXX -XXXX XXXX XXXX -XXXX/XXXX
Product: Debt collection

CONTACT INFO DEPT OF ED / XXXX {$20000.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some  contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX   and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Product: Mortgage

In our contract it states that we have the option to convert our ARM rate to a fixed rate. We had to send a letter ( which I did a letter and an email ) along with a {$300.00} check. It is clearly stated in our mortgage note that this was an option. Select Portfolio declined our conversion because they say they do not do that. I am pretty sure that a signed contract is a signed contract! They took our {$300.00} and applied part of it to the principal and then charged us a fee. I submitted the paperwork along with the check XX/XX/2022. They have no grounds for denying our conversion to a fixed rate. I will be glad to send you our mortgage note with all of the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX CT XXXX, TX XXXX XXXX CAPITAL XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have not received a reply from Equifax as of today XX/XX/XXXX per my complaint filed with cfpb on XX/XX/XXXX. Also upon further personal investigation I have learned directl from XXXX XXXX that Ive been opted out of there system since XX/XX/XXXX. FULL OPT OUT. Meaning no one gets my information not even telemarketers. Therefore how was Equifax able to get any information on me from XXXX and per Equifax reporting date it says XX/XX/XXXX. Also why will Equifax not provide me with detailed verification information as to who they spoke with at XXXX, the method of verification, the day any time of the verification so that I may be able to check behind them myself without having to file suit against them being that this is my 4th request for this information
Product: Credit card or prepaid card

Company has called me over six times in one day, multiple times in an hour. There is then nobody on the call when I pick up. This is extremely disruptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a inquiry that showed up on my credit report, I found out via a alert from XXXX. 

I have not applied for any cards with chase and I contacted them the day I found out and they said they would remove. This was over 30 days ago so I need to take other action. This inquiry is adversely effecting me and trying to get a car loan.
Product: Mortgage

I was charged 1 % over the fixed rate of a conventional loan for XXXX years. The bank provided me with the apology letter but did not add the money that they drafted out of my account as a principal payment. Since this was a XXXX XXXX dollar loan the 1 % over XXXX years was damaging to my financial stability and almost lost all my investment. I have refinanced the loan with a different bank now but at closing we disagreed with payoff amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I left on military XXXX, which did not allow me to have my phone or computer while on orders. Nissan Motor Corp. reported missed payments on my credit. I had family try to submit my payments on time. Nissan denied the payment, NOT because of sufficient funds. I just want to show proof that I am in the military. I did try to submit a payment on time, I just these 2 missed payments erased please.
Product: Credit card

I would like for these inquiries to be deleted, because these accounts are fraudulent and I did not authorize these companies to run my credit report.
Product: Debt collection

Contact callers was a collection agency this account was paid in full to XXXX and I contacted them about removing this because this account was paid to the original owner and I have a paid receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously contacted Experian explaining that I have been a victim of identity theft and provided them with the accounts that did not belong to me but they continue to refuse my request of blocking and deleting the accounts for XXXX XXXX {$530.00}, XXXX XXXX {$290.00} and several accounts from XXXX XXXX XXXX. I have provided all documents requested by them. These are FRAUD accounts and need to be deleted and blocked from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX true Identity theft ) I am a victim of identity theft Equifax confirmation # XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} LIMIT {$400.00} XXXX XXXX  file number XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} LIMIT {$400.00} XXXX XXXX  Report Number : XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} XXXX {$400.00} XXXX My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help THESE ADDRESSES DON'T BELONG TO ME XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX