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, XXXX, Equifax 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 Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( XXXX ) 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, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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
Product: Debt collection

On XX/XX/2018, I sent a certified debt verification letter to Security Credit Service for account numbers XXXX and XXXX, asking that they verify the debt. The letter also stated under the Fair Debt Collection Practice Act ( FDCPA ) I have the right to request validation and verification of the debt that any company say that I owe to the. I asked for a contractual obligation that was bearing my signature, which would be binding me to pay the debt that is being said that I owed. I did not receive anything from them. I then sent a certified letter on XX/XX/2018, requesting the same information from them and they returned a letter that was typed up that bared a company names, but again, I was not given a contract between myself and their client that bared my signature saying that I responsible for the debt. On XX/XX/2018, I sent another certified letter to the company asking that the information be removed from my credit report due to 3 letters being sent to them asking for validation of the debt and a contract between myself and their client be sent to me showing that I was responsible for the debt. Since the information that was requested by me from there office failed to comply with the requested information from the date of the receipt of the very 1st letter dated XX/XX/2018 ( sent certified ) I am requesting that all references to this account be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. They failed to do so and they continue to report this information on my credit report.
Product: Credit reporting or other personal consumer reports

Repeated requests to XXXX XXXX, XXXX and Equifax to report correct balance on XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed a repossession on my credit but the results from Transunion were that the information was stated as accurate by XXXX XXXX. Today I spoke with XXXX at XXXX and have documentation that I have XXXX $ balance and owe nothing for the repossession. XXXX XXXX stated i need to dispute it with the credit bureaus but the credit bureaus states XXXX said its accurate but I have documentation from XXXX that proves otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX Date Opened : XXXX Balance : {$1700.00}, XXXX XXXX Date Opened : XXXX Balance : {$42000.00}, XXXX XXXX Date Opened : XX/XX/ Balance : {$9800.00}, XXXX XXXX XXXX Date Opened : XXXX  Balance : {$18000.00}
Product: Credit card or prepaid card

On XX/XX/2021, I let my sister use my card to purchase a pre order for XXXX  cards on a website called XXXX in the amount of {$510.00} dollars, that should have been shipped out by late XXXX. However, she did not receive any items. Nothing was updated, nothing was shipped, and the company did not reply back in any form of communication. The shipping label that appeared on the link is also fake. When the link is clicked, the label is not in the system appears. I've tried emailing, twitter site, and calling multiple times, but no response at all. Reading reviews, other customers were facing the same situation I was in with this company. I tried logging back into my account to print out the receipt, but the company has deleted there official website, XXXX  account, and email so no one can get a hold of their account history order and could not contact them. This company has an actual store in XXXX, IA, but they do not pick up the phone. I tried to dispute this charge with my bank, but because its passed 60 days, the BECU  bank said they could not open a case for me in any circumstance, even though I had brought documented evidence for them being a fraudulent business and I was being scammed. They did not present me with any alternatives to approach a fraudulent case and I was turned away with no options.
Product: Credit reporting or other personal consumer reports

I am writing about the ongoing issue regarding the removal of fraudulent items from my credit report. Despite providing all necessary documentation and following the prescribed procedures for disputing inaccurate information on my credit report, the items remain unresolved, causing significant distress and impacting my financial standing. I understand that rectifying such matters can be complex, but the repeated failure to address this issue is deeply concerning. The presence of fraudulent items on my credit report not only misrepresents my financial history but also undermines my creditworthiness and ability to access financial opportunities. I urge you to help me escalate this matter internally and allocate the necessary resources to expedite the removal of these fraudulent items from my credit report. Additionally, I request a thorough review of your company 's procedures to prevent similar inaccuracies from occurring in the future. I expect regular updates on the progress made towards resolving this matter and a commitment to transparent communication throughout the process. Furthermore, I insist on compensation for the damage caused to my creditworthiness and the inconvenience and stress I have endured as a result of this ongoing issue. Please help me remove these items immediately : XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Im demanding the removal of the collection which Spring Oaks Capital has placed on my credit. My debt is not with them. I dont owe the {XXXX} reflected on my credit. Im in no type of contract with this company. This is impacting my credit and I demand that it is removed at once.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my grandson talked me into trying to Robinhood to trade like he does. He helped me set up an account and even sent me {$500.00} in XXXX so I could get started. When he sent the XXXX it took almost 5 hours for it to arrive. Once it did it they were already leaving for the day. I looked around the site to get more familiar with its layout. I had decided to withdraw half of what was on there and got a notification that my account was now restricted. I have not even had it for a whole day yet. They said I had to wait till the XXXX  for them to complete their review and they would be notify me. The XXXX came and my restriction is still in place, no one can tell me anything and now it says the XXXX. On the XXXX it said the XXXX. On the XXXX it said the XXXX. And now today the XXXX it is saying the XXXX. Everyday they extend it out one more day. They Will not tell me why I have been restricted or when my funds will be made available. I do not want anything to do with this company going forward. I simply want my money returned or made available for withdrawal and the account closed for good.
Product: Credit reporting or other personal consumer reports

The company in question, XXXX XXXX XXXX XXXX and other consumer reporting agencies such as Transunion, XXXX and XXXX and reporting account information without my consent. This is a clear violation of The Privacy Act of XXXX, 15 U.S. Code 6802 and 16 CFR 313.7
Product: Credit reporting, credit repair services, or other personal consumer reports

After Checking my XXXX credit report online, I checked under my closed accounts to look at potentially negative items on my credit report. I have a closed account with Citibank and said account was included in my bankruptcy in XXXX. To help locate the Citibank account, the highest balance that I ever carried on that account was {$4500.00}. After reviewing the closed account on my XXXX credit file, and looking at the payment history of said account, I realized that there was a " N '' notation or " negative '' listed under XX/XX/XXXX payment history. This account was closed years ago. In addition, XXXX states that this account will remain on record until XX/XX/XXXX. However, XXXX will remove the account from my credit report in XX/XX/XXXX. The information that XXXX and Citibank have on my credit report is not correct. I filed a dispute with XXXX to resolve this issue.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I contacted capital 1 bank by phone to acquire about my direct deposit not being seen in my checking account I have with them its when I was informed that my account was negative for XXXX for 30 days so they closed my account and my direct deposit in the amount of XXXX was received but wouldnt be available due to the bank removing what I owed already and a check with remain balance will be sent out. On XX/XX/XXXX I called again they assured me that it was mailed out and I should receive in the mail. On XX/XX/XXXX I called again to inform that I never received it so they tracked it showing never cashed then said Id receive another on XX/XX/XXXX I called again to ask what happened I never received my check they then said a affidavit would be mailed so I can sign them send back before reissue for another check but I still never received a affidavit or a check. Its now almost XXXX and they still never sent anything
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my TransUnion credit report & noticed some unauthorized fraudulent collections & addresses reporting. I certified a letter via USPS under tracking # XXXX delivered date XXXX XXXX, 2024, requesting TransUnion verify these inaccuracies according to the Far Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) providing original consumer contract ( with my signature ). Enclosed in the envelope was 5 documents including dispute letter, affidavit ( signed & notarized ), copy of passport, copy of ssn card, bank state ( address verification ). 

It has now been well over 30 days and this unverified information remains on my credit report. This has hurt my ability to obtain credit which is affecting my wellbeing. All supporting documentation will be attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is that possible if the, DATE OPENED IS WRONG,, BALANCE IS WRONG, HIGH CREDIT IS WRONG, LAST REPORTED DATE IS WRONG, DATE LAST ACTIVE IS WRONG AND THE DATE OF LAST PAYMENT IS WRONG! 

This grounds for removal they also violated my rights under 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. 1681e Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM POSSIBLE ACCURACY of the information concerning the individual about whom the report relates.

15 U.S.C. 1681n Section 616 ( a ) Civil liability for willful noncompliance In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 7 ) DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Product: Payday loan, title loan, personal loan, or advance loan

This is a predatory lending tribal business, loan went from {$1100.00} to {$4800.00}. I did not realize this illegal debt collection practice. My credit has also been ruined.
Product: Credit reporting or other personal consumer reports

As of this date mid florida finance is reporting inaccurate and incomplete information on my credit report, I sent dispute letters and complaints but still no change. This has not just impacted my credit but my life..
Product: Credit card or prepaid card

Getting double charged on interest XXXX XXXX bought over GAP CREDIT CARD my previous balance on XXXX Gap Credit Card ACCOUNT & my current charges which stands for ( PB past charges or PIOR BALANCE ) on my old Gap Credit Card Account interest then XXXX Bank combine the interests with the current interest XXXX XXXX XXXX XXXX  ) of XXXX interest charges consider the current use of GAP CREDIT CARD! on my credit card! 
I am getting charged double interest : 1. ) PU Stands for current purchase 2. ) PB stands for previous balance from my XXXX  GAP CREDIT CARD merge credit card when XXXX Bank bought this card company over XXXX getting double interest charge!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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 formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Student loan

ACS/Conduent 's website is not in service and their contact phone numbers are not in service. I don't know how to make a payment on my loan without using the website, I can't even find a page with information on where to mail a check.
Product: Student loan

I am trying to get a mortgage and my Federal Student loans are still showing on Fedloans and Studentaid.gov as owing. However on XX/XX/2022 Fedloans sent me a letter showing that I have qualified for the complete Public Service loan forgiveness. It's been over half a month and nothing is changed. On top of this my credit report is showing I have a over {$500.00} payment due to Fedloans. Which is not true..
Product: Mortgage

Been faxing loan modification since XXXX19, keep saying PROOF OF HARDSHIP my hours dropped reason i went behind see PROOF!