23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have spoken with over XXXX representatives over the phone and I have not been able to get the proper information on resolving this issue. This agency pulled up XXXX addresses under my name and ssn that were linked to an eviction and denied me as such. I explained that I was the victim of identify theft over 5 years ago and that none of the addresses that they had were mine. My address has been XXXX XXXX XXXX XXXX NJ XXXX for over 13 years. I was told to send in a letter stating such,. I did that successfully. I was then told to contact XXXX who has the addresses listed on my report, I did that and XXXX agreeed that the info was wrong and deleted it right away. I sent them info of the deletion and was told that it was n't enough. I also sent a copy of a police report about the incident, that was still not sufficient. When I asked to speak to a supervisor twice I was denied and told they may only email supervisors and I would have to call back the next day for a response, The hold time is excessive. I have been on hold for at least XXXX minutes and even XXXX hour in some cases. I need to have these evictions records removed asap as I have to be able to secure an apartment within days. Please help! Thanks
Product: Debt collection

According to the FCRA account the account named, CREDENCE RESOURCE MANAGEMENT has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of accurate debt if valid ; ( 2 ) the debt owed is a culmination of what alleges to be fraudulent charges ; retained deposits, were not returned, were undisclosed and unaccounted for. Name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor
Product: Checking or savings account

On last Monday ( XX/XX/2024 ) I came to the bank to deposit all the check I have, but all that check include my name and also my wife name! 
And I ask the bank teller " can I deposit it? Cause the name of my wife on that check is different with the name on record! On the check is the XXXX name of her, because all the check I got is a wedding gift from my guest Also my wife 's real name is XXXX XXXX On the check they put the XXXX XXXX AND XXXX XXXX Bank teller said that fine cause have my name And we didn't have joint account yet, and I have make appointments on next day ( XXXX, XX/XX/2024 ) Then on Monday night at XXXX Chase bank send me the mail with detail " Due to recent activity, or because we need more information from you, we have restricted your account ( XXXX ) and XXXX need to close it if we dont hear from you soon. " Waiting until morning Tuesday I make the phone call to the number they provide ( XXXX ) They said they not approve because name of the thirt party not match with the name on the system or all the record! 
Cause my wife she not change the name yet They said they have to confirm the name is her! when I provide phone numbers even her boss 's phone number but they always said " the number didn't match with system! I tried so many times to explain! They said I can call to the check 's owner to cancel that check, until money go back to the owner 's check But Chase bank withdrawal the money on those check already! How to cancel! 



So can you help me to do this problem please All my money on this and XXXX cant pay the bill or anything
Product: Debt collection

Portfolio Recovery were notified that the XXXXl XXXX balance was included in Bankruptcy-They returned it back showing the Bankruptcy was DIMISSED and not DISCHARGED the DISCHARGED LETTER was mailed and faxed two times to them and they refused to take off my credit report? I even sent the letter showing that bankruptcy court does not update the system showing discharged from dismissed and do not give out my personal information to third party.. They are in Violation of the Fair Debt Collection Practices the Credit Reporting Act, Section 609 ( A ) ( 1 ) ( a )
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that since XXXX of XXXX  the account below has been reporting late payments. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to best of their ability with Maximum Accuracy. I have never been late for this account. 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 XXXX Account number : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Debt collection

I received debt notification letter from I.Q. Data International on XXXX XXXX. 

I responded to the debt notification by sending debt Validation letter to IQ Data International on XXXX XXXX XXXX XXXX XXXX had 30 days to respond and never responded to Debt Validation letter and Report to one or more of credit reporting agencies ( XXXX, XXXX, or XXXX ) on XXXX XXXX
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 {$19000.00}, {$18000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters as well as requested all three credit bureaus to verify and publish their method for verifying this account. It has been longer than 30 days as my initial complaint was submitted on XX/XX/21.
Product: Debt collection

A finance company Security Finance opened and closed account 6 ( six ) times XX/XX/XXXX to XXXX XXXX then open it again on XX/XX/XXXX and closed XX/XX/XXXX and opened again XX/XX/XXXX and closed XXXX XXXX and opened again XX/XX/XXXX and closed XX/XX/XXXX and opened again XX/XX/XXXX and close XXXX  XXXX XXXX and then again on XX/XX/XXXX and closed XXXX XXXX. They did this on XXXX and XXXX  which neither of these 2 companies informed me of anything.This is not ACCEPTABLE. I can't imagine how many laws and rules have been broken, All I know is I feel VIOLATED BY ALL INVOLVED. Security Finance, XXXX and XXXX. How to DEFEND with so many OFFENSES?
Product: Credit reporting or other personal consumer reports

Dear Equifax and CFPB XX/XX/XXXX XXXX  received stall letter designed to violated 15 USC 1681 a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Today I received stall letters from Equifax. After I demanded a deletion on my XXXX XXXX XXXX XXXX and filed a CFPB complaint, Equifax responded that they were not going to investigate because they had already investigated it. This makes no sense because I asked them to investigate it in XXXX and XXXX. However, they said they could not investigate it because it was not on my account. That was a false statement. Because they had exceeded the 30 day limit allowed under 15 USC 1681 I demanded for a deletion. I also demanded for a deletion because of the medical debt laws. It was not a further request for an investigation. It was a demand for deletion. I am demanding once again to delete the above-mentioned account from my credit report ( a ) 1. They also failed to actually read the complaint to the CFPB because they dont take the loss seriously Equifax is in violation of the FCRA because they have not been fair or accurate as required by 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Back on XX/XX/XXXX I and co-signer took out a XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX for {$15000.00}. I recall the variable interest rate was 3.5 %. The loan has been in a XXXX deferment the entire time. I now not the rate to be 14.5 % and the loan is at {$31000.00}. Now loan is with Navient. I have contacted Navient multiple times to see what happened. I requested to know what the original rate was and informed they ca n't find the original disclosure statement for the loan. I and same cosigner took a XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/12 for {$5000.00} with a 3.5 % rate- It 's still at 3.5 %. I have never missed a payment with the loan and the accout is in good standing. There is no reason the rate to have increased to 14.5 % and Navient ca n't attest. I feel this has been a grave error on either XXXX XXXX 's or Navients part.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to PORTFOLIO RC for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Product: Debt collection

About XXXX I received a notice from PayPal that I bought something in XXXX for over {$300.00}. They would not tell me what was bought just that I owed them money. I refused to pay it, I dont shop in XXXX . They turned me over to collection agency, I told them that I wasnt paying & then letters stopped. A few years later it started up again. I called & asked once again to have account closed, I refused to pay, it all stopped again. Last year I got another letter but it all quickly died out. Today I received a text from PayPal about a {$560.00} charge. I called immediately & they told me I had two accounts, one in US & one in XXXX. I asked that all accounts were to be closed. He said the only way to close the accounts were to give him access to my server. I hung up & called u. I need to know what to do. 
XXXX XXXX
Product: Debt collection

This is a much older debt caused by my ex-wife using my son 's phone and me being unaware. It is being passed around to all the collectors who then add on new charges. It will never be paid by me as I did n't make the debt. It is being misrepresented by being renewed by each new collector so as to keep my credit history in jeopardy illegally. These debts can not be collected after 3 years according to Federal Statutes. I want it taken from my files at once. Passing it along from agency to agency is not morally right or civilly correct. Had I the resources I would pursue legal action against these companies. As I ca n't prove fraud, I ca n't pursue legal action against the party that caused the debt problem either.
Product: Debt collection

I am a consumer as defined in federal law 15 U.S. Code 1692a ( 3 ). On XX/XX/2022, I discovered that a debt collector, LOUISIANA RECOVERY SERVICE INC, whose business address is, XXXX XXXX XXXX XXXX XXXX, XXXX, LA, reported to XXXX, XXXX, and XXXX, that I owe {$1600.00}, and {$2200.00}. This has damaged my credit significantly. LOUISIANA RECOVERY SERVICE INC purchased these accounts from XXXX XXXX a company that kidnapped me ( handcuffed to a stretcher ) and hauled me in an ambulance ride 1.5 hours away to another city, violated my God-given and unalienable rights, committed identity theft, insurance fraud, and theft when they took my U.S. Passport XXXX without my consent. At no point, did I ever relinquish my rights or provide consent to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX XXXX Subject : XXXX XXXX XXXX XXXX XXXX  Dear Experian 15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX XXXX, Citicards CBNAXXXX and XXXX XXXX. The Account Opened is XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$410.00}. The Account Opened is Citicards CBNA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Debt collection

On XX/XX/XXXX, I purchased a XXXX XXXX from the XXXX XXXX XXXX located in XXXX and a full coverage insurance policy via XXXX XXXX Insurance was offered to me by the XXXX XXXX  at my time of signing. I advised the finance XXXX that I did not wish to continue with XXXX XXXX XXXX after being advised on the cost of the insurance and was told that the policy was cancelled effective XXXX hrs after my request. With no further communication via writing or any other communicative method I was then notified by my credit monitoring monthly service In XXXX of this year, XXXX that a collection had been added to my credit report in the amount of XXXX via Credit Collection Services. I then contacted CCS as the listed debt collection agency and was advised that this debt collection was on behalf of XXXX XXXX XXXX. I then contacted XXXXXXXX XXXX XXXX and was advised that there is no cancellation fee for cancellations within 24 hours, however my request to cancel effective immediately was not honored by the finance department and instead I was charged inadvertently for this amount and then without notice or advisement it was placed on my credit in violation of FCRA 15 U.S.C.1681 Sec.3 and FCRA Section 615 ( b ) ( 2 ). I have exhausted all methods of resolution efforts available to me at this time and am now officially filing a complaint with the CFPB to address this issue as this disparaging information is causing me mental anguish, emotional distress, and economic hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently accessed my credit report and I am seeing unauthorized inquiries. Ive reached out to the companies and have no luck getting them removed. Please remove the following immediately. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letters to all three Credit bureaus XXXX XXXX, XXXX, and Equifax. 
The accounts came back as verified. These are not my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to corrected/fixed immediately : XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  Account Number : XXXX
Product: Credit card

An Atm transaction for {$700.00} was withdrawn from my account on XXXX. I contacted Bank of America on the next business day XXXX XXXX sharp, called them got and new card ( as I did not have my card at the time of the transaction ). I reported the fraudulent activity to them opened up a claim and they gave me a temporary credit for the funds lost. A couple of weeks later I get an email saying that my claim was denied and the funds are being reversed because they believe the transaction to be authorized. I do n't understand why they believe so as THEY were the ones who sent me a message on my online banking telling me that there was suspicious activity on my account. Secondly I do n't withdraw big amounts such as {$700.00} from an ATM if I were to withdraw that I would go inside the bank and use proper identification, I thought bank ATMs have cameras so I can not understand why they do not know it was n't me. Even given the time of the transaction it happened late at night so when I tried to call BoA to report it the office was close and something like this has never happened to me so I do n't know what to do. I 'm trying to contact them to soeak to a representative and plead my case but I keep getting the runaround.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 as Final Notice XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXX Wells Fargo Bank ( Attention : Fraud Claims Department ) Personal Lines and Loans ( XXXX XXXX ) XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX North Carolina XXXX XXXX : Wells Fargo Bank Account XXXX XXXX Dear Sir or Madam : I am a federal victim of heavy fraud and identity theft. I recently obtained several documentations from the U.S. law enforcement agencies since last year I did not know where to get all of this. Since I have an assigned FBI Victim Specialist to me due to my on-going case with the U. S. Department of Justice ( DOJ ), I had been provided with resources to gather those credible documents to submit to your bank. The information listed below, which appears on my credit report, does not relate to any transaction that I should be responsible of at all. It is the result of both heavy fraud and identity theft due to fraud. 
Wells Fargo Bank Account # XXXX, {$100000.00} ( C/O ) I request that Wells Fargo Bank absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent item related to your company that is the result of identity theft and heavy fraud. Also enclosed is a copy of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA.

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Identity Theft Report ( FTC, Local Police Report, FBI Official Victim Letter ) Copy of Credit Report CFPBs Notice to Furnishers of Information [ PDF ]