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

Due to the recent equifax data breach my information has appeared on the dark wed, aswell as equifax reporting to companies that my creditworthiness is inadequate. I have disputed incorrect information and they refuse to fix the issue. I have account opened in my name that I did not authorize due to the credit breach. This is directly impacting my day to day life. This issue needs to be rectified and addressed as soon as possible.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a text saying that the phone number I linked to my Gemini account has been removed. After seeing this I attempted logging in to fix that and I was unable to do so. I tried getting in touch with a Gemini representative of some sort and was not able to. On XX/XX/XXXX XXXX dollars was withdrawn from my bank account and I am frantically trying to get that fixed.
Product: Money transfer, virtual currency, or money service

Sometime in around XXXX of 2023 my account was closed because somebody sent money to my account. I was being robbed for over eight months. Somebody was using my fiancs identity to rob me and they had people sending money to my cash app account said they were family. I did not ask none of these people to send money and then one of the persons disputed an amount they sent, and then cash app closed my account and said that I violated the terms and conditions I just closed all my accounts and didnt give me no information all they said was that I violated the terms and conditions and I dont see how when I did not ask none of these people to send me any money. I was sending my own personal money and the money that the thieves said was from family
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$10000.00}, {$12000.00}, {$18000.00}, {$35000.00}, {$30000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 


-- CLOSED ACCOUNTS -- 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 

-- AUTO ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 


-- AUTO ACCOUNTS -- 5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$35000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under XXXX5 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Product: Debt collection

this account was supposed to be paid by insurance company. I saw this debt on my credit report and discovered hippa was violated by disclosing the nature of services provided. FCRA-605 ( a ) ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am a victim of identity theft
Product: Money transfer, virtual currency, or money service

The cryptocurrency exchange Gemini froze my assets without any explanation. I received a general email asking to upload a copy of my driver 's license, a picture of myself and a handwritten note of the ticket number. I did what was asked and they have yet to unfreeze my account. This company has no contact number and has been completely unresponsive. I need my assets unfrozen so I can move my funds off because this type of service is unacceptable.
Product: Credit reporting or other personal consumer reports

I am writing to formally bring to your attention a critical matter related to my consumer rights under the provisions of 15 U.S. Code 1681c-2. On XXXX XXXX, 2023, I submitted a request to investigate inaccurate accounts on my credit report. Unfortunately, it has been over 45 days since I sent my inquiry, and I have not yet received a response. 
It has come to my attention that the consumer reporting agency involved has failed to comply with the statutory requirement to block the reporting of information resulting from alleged identity theft within the stipulated time frame of 4 business days. As of today, 30 days have passed since my initial request for the removal of these items, and I am deeply concerned about this violation of federal law. 
As a victim of identity theft, I have taken the necessary steps to dispute and rectify the fraudulent accounts on my credit report. However, despite the clear legal obligation imposed by 15 U.S. Code 1681c-2, the consumer reporting agency has not acted promptly to delete this information from my file. This situation is causing me significant distress and threatens my financial well-being. 
Additionally, I want to emphasize that I have never provided written consent to any consumer reporting agency to report the disputed items on my consumer report. This is a direct violation of my rights as a federally protected consumer. Identity theft itself constitutes a lack of consent, and it is imperative that these accounts be removed immediately. 
Under 15 U.S. Code 1681b, consumer reporting agencies are permitted to furnish consumer reports only under specific circumstances, none of which apply in my case as I never granted written consent for the inclusion of these accounts in my report. 
I kindly request that you treat this matter with the urgency it deserves, as it directly affects my rights and financial stability as a consumer. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to rectify this situation. 
Thank you for your prompt attention to this matter. I look forward to your response and a swift resolution to this issue.
Product: Student loan

My student loan company Navient has scheduled an increase on my repayment plan to XXXX as of XXXX/XXXX/XXXX that i did not authorize that was once before XXXX which i started to payment XXXX/XXXX/XXXX. When i spoke to Representative he said the plan i was end only last 2 years, notice i been in this plan for 4 years now.
Product: Debt collection

I have wrote to you all about this complaint and you wrote to the company and the company responded back saying that it would be closed and removed from all credit reporting bureaus. Now its showing on my credit report that it has been paid in full but has not been removed. The statute of limitations is up on this account this is an account from 2009.
Product: Debt collection

Constantly calls my work for a debt that I do not owe.
Product: Debt collection

XXXX  XXXX, XXXX IS A DEBT COLLECTOR, WHO IS ATTEMPING TO COLLECT ON A DEBT THAT MY INSURANCE XXXX  AND XXXX SHOULD HAVE HANDLED. THEY ARE CLAIMING I OWE THEM XXXX, OF WHICH I AM NOT RESPONSIBLE FOR. I AM ON SSDI, SO MY INCOME IS FEDERALLY PROTECTED FROM THES SCAMMERS. I WANT THIS TO REFLECT THAT I AM DISPUTING THIS ACCOUNT. I WISH FOR THIS COMPANT TO STOP TRYING TO CONTACT ME FUTHER.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies in this complaint are illegally reporting inaccurate information on my credit report. Plus The one of the companies on my credit report has gone out of business was previous sued. The company XXXX has gone out of business for also breaking the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Items are on my credit report that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX  - XX/XX/XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Experian furnish this information. 

Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the abovementioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to Experian resolving this matter with this initial communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows Navient accounts XXXX & XXXX were reported 90 days late on XX/XX/XXXX and 120 days late on XX/XX/XXXX. Both of these trade lines are wrongfully negatively impacting my credit rating and as a result I have been denied credit and/or extended credit at a higher interest rate that I would have had these trade lines been correctly reported. The attached transcript ( XXXX  Transcript ) clearly states that my XXXX degree was awarded on XX/XX/XXXX. According to StudentAid.Gov, an official website of the U.S. Government ; " Direct Subsidized Loans and Direct Unsubsidized Loans have a six-month grace period before payments are due ''. It also states " if you received a PLUS loan as a XXXX  or XXXX  student, youll automatically get a six-month deferment after you graduate, leave school, or drop below half-time enrollment. No payments are required during this six-month deferment period '' ( see highlighted section on page 3 of attached Student Loan Repayment _ Forebearance Period.pdf ) My graduation date was XX/XX/XXXX ( see highlighted section of XXXX Transcript.pdf ) therefore my XXXX  student loans were under a six-month grace period and would not have been due for repayment until XX/XX/XXXX. Navient has incorrectly reported these two trade lines as late. Per the Fair Credit Reporting Act ( FCRA ) I have the right to dispute incomplete or inaccurate information ; Inaccurate information must be corrected or deleted within 30 days ; and I may seek damages from credit reporting data furnishers for FCRA violations. I have disputed these negative entries in the past but Navient came back and said they were correct. Based on the information/documentation provided these are clearly not correct ; therefore I demand that these two incorrect trade lines be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I requested business credit for a rental car business I have started I have XXXX no delinquencies no car loans no credit card debt no student debt no mortgage debt I was expecting getting approved on my requests due to my credit card record I get deny and what Experian And XXXX said about me was the opposite and deny my request, Later I get a mail saying my score was XXXX and the reasons were I had many open accounts and delinquencies. I immediately went to the Bank I requested the information I called the number on the letter with the bank manager near me the for the underwriting team couldn't find the application or anything with all my personal information my social security I even had the bank manager give them the application number and they couldn't even find anything which was very frustrating when I got this treatment from Experian And XXXX.
Product: Credit reporting or other personal consumer reports

These bureaus are falsely reporting alleged debt which is a FDCPA Section 807 violation " 15 USC 1692e ''. The alleged debt can not be verified and I have yet to receive a response after 30 days which is another violation under the FCRA.
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 accounts ( A ). It is not permitted to report these accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 finally found my BK papers, so TransUnion has nowhere to hide. XXXX XXXX was on my bk like I said before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 over 30 Days now when I submitted the letter and documents for an unknown and inaccurate account. I was a victim of an XXXX  data breach. Immediately delete those accounts or I will file litigation.
Product: Debt collection

the Doctor bill or paid but they are sending a bad reports to XXXX credit agency
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX//2022 ; XXXX XXXX XX/XX//2022 ; XXXX XXXX XXXXXX/XX/2022.
Product: Debt collection

On XX/XX/2020 i recieved an email from TrueAccord on behalf on XXXX XXXX threatening me that if i did not contact them regarding the debt, that XXXX will use an attorney to take me to court for the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 : Transunion subtracts 3 from an erroneous reporting that should have read {$0.00} ; account reads {$5.00} to {$12.00} balance XXXX both false, more on this later ) XX/XX/21 : Transunion subtracts 1 from an unspecified reason ; both occasions occurring after a formal dispute is filed and a subsequent complaint here regarding XXXX XXXX  XX/XX/21 : Transunion adds 12 to score. However this is a net 8 due to the previous actions. However another issue occurs with another erroneously reported account on collections that was literally paid in full the same day as the XXXX XXXX account XX/XX/21 : Transunion drops score 4 due to the balance going from {$12.00} to {$5.00}. Not only is this erroneous but this actually shows a positive act. This is the error mentioned for XX/XX/21 above. I literally am punished for an error, for a increase for said error and then a decrease in said error. Cant make this up if I tried. Thank XXXX for technology and screenshots XX/XX/21 : Transunion adds 4 to score. Im back where I started but not really because of the previous errors XX/XX/21 : Transunion drops my score by 15. Why? Because accounts actually were paid on timecredit utilization decreased and the same account were erroneously reported with {$7.00}, it is literally {$0.00} and has been for amount XXXX months. Transunion must have removed the add button in this reporting. A bank card also was not removed ; that actually is a paid in full XXXX that I purchased and paid well ahead of the due date. 

I always have reporting issues with Transunion. I have filed disputes with them and here to no avail with Transunion. XXXX and XXXX  are not perfect but both have corrected errors and adjusted scores properly. Transunion is the bureau consistently reporting errors and not adjust my score in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you with an urgent demand regarding the removal of a charge off from my XXXX XXXX XXXX account number XXXX and a charge off from my XXXX XXXX  account number XXXX from my consumer report. I believe that these accounts are fraudulent, and I am facing extortion, as defined by 18 USC 894, in relation to them. As such, I insist on their immediate removal from my consumer report.

I am aware that credit bureaus have the responsibility to ensure the accuracy and integrity of the information contained within consumer reports. Any inaccurate or misleading information can have severe consequences for individuals like myself, potentially leading to the denial of credit, employment opportunities, and other essential services. Therefore, it is of utmost importance that this matter is resolved with urgency and efficiency.

I demand that you take the following actions within 4 busi
ness days from the date of this letter : 1. Initiate a thorough investigation into the XXXX XXXX XXXX account number XXXX and the XXXX XXXX  account number XXXX to verify the legitimacy of these accounts and the associated charges. 
2. Remove the charge off status from my consumer report for both accounts immediately.

3. Block any further reporting of these fraudulent accounts.

4. Provide me with written confirmation once the necessary corrections have been made.

Failure to comply with this demand within the specified time frame will leave me with no alternative but to pursue legal action to protect my rights. According to the provisions of 15 USC 1681n, I am entitled to seek damages of {$1000.00} per violation of the Fair Credit Reporting Act.

Enclosed with this letter, please find copies of relevant documentation supporting my claims, including any evidence of fraudulent activity. I kindly request that you give careful consideration to this evidence during your investigation.

I expect to receive your written response confirming the removal of these accounts from my consumer report within 4 business days from the date of this letter. You may contact me at the provided phone number or email address to discuss any further information you may require.

Thank you for your immediate attention to this matter. I trust that you will prioritize the resolution of this issue within the specified time frame to avoid any legal consequences. 

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

To whom it may concern : After reviewing my ChexSystems report I noticed that a XXXX XXXX account is still reporting on my file. Ive expressed before that this business bank account was created without my knowledge. I have disputed this before and it was removed. I see it has been put back on my report. Since this issue continues to linger, Ive filed a formal police report and FTC Affidavit.  This notice is to inform you that I have become a victim of identity theft. Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. Under the FCRA of 1970 Section 609 ( e ) I request that this information be deleted from my profile. I am 100 % willing to work with Chexsystems to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove this incorrect account from my report.
Product: Vehicle loan or lease

My name is XXXX XXXX, and I recently refinanced my XXXX XXXX XXXX ( VIN : XXXX ) through XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX, OH XXXX. 
ACCOUNT # XXXX Their story is that they mailed a payoff to XXXX XXXX XXXX, but CarMax will not tell me anything about it, saying they have not received it. Their phone operator and the literature from both CarMax and XXXX XXXX indicate that the process could take up to several weeks, which is absurd. I believe that CarMax is delaying the process in order to collect more interest on the loan before actually doing the payoff. It simply does not take longer than about three days for a first class letter to go anywhere. Essentially, I think CarMax is stealing my money every day they do not process the payoff.

My CarMax Account number is : XXXX I believe I have spoken with the Georgia office : : XXXX XXXX XXXX Attn :  Customer Service XXXX  XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX