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

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX 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. 



Open Account : XXXXXXXX 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, credit repair services, or other personal consumer reports

I have never heard of this BANK that they are claiming that I owe them..

It is on my credit report and its ruining my credit..

I tried calling I keep getting a foreigner on the phone that I cant understand.. 
I dont believe I owe this because I cant get anymore information about it..
Product: Student loan

Im currently working XXXX XXXX at a XXXX XXXX living in XXXX. My rent is very big. Im on the save plan for a long time. Since I moved my loan to models not only did they not continue that save plan, they messed up my loan forgiveness which I qualified for through Biden plan.
Product: Credit reporting

currently trying to dispute derogatory information as well as personal information that may not be correct in my file I have XXXX potential negative account and was trying to get those corrected starting with XXXX home mortgage has to correct a wrongful foreclosure and payment history for almost XXXX years and the balance amount, also XXXX were currently in litigation because my vehicle was wrongfully written off! I feel like i 'm being cheated out of the credit I should really have, can a investigation be launched to see what is going on here with Equifax XXXX enclosed is supporting documents to my claims.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against Enhanced Recovery Corp. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Bank account or service

On or around XXXX XXXX, 2016 identity theft and fraud claim was reported on a checking account in which I am a joint owner. Both myself and the other account owner made a report. In addition to the verbal report to USAA on XXXX XXXX, 2016, a police report was filed on XXXX XXXX, 2016 and a copy was provided to USAA. 

During the course of USAA 's investigation, USAA has frozen all accounts in which I was a sole owner, preventing me access to my money, and by locking me out of online account access, USAA has prevented me from updating other products that I have, i.e. Auto & Property Insurance, Life Insurance and investments. Furthermore, USAA sent a notice requesting that I pay {$12000.00} in overdraft fees in which I am not liable according to USAA 's Terms and Conditions. 

USAA 's policy states that account holders have 60 days to report fraud. The report was made well within the 60 day timeframe. In addition to the verbal report, the debit card associated with the account was reported as lost about a week prior to the fraudulent activity being detected. The {$12000.00} is excessive and goes against USAA 's written policy regarding fraudulent charge reporting. The investigation into the matter was opened on or around XXXX XXXX and as of XXXX XXXX, I have not received any information or updates about the findings of USAA 's investigation or how USAA came to the conclusion that the account holders were liable for the {$12000.00} in overdraft charges.
Product: Debt collection

these accounts below listed the following company as the creditor American Profit Recovery Inc. : Lawn Pride XXXX This company American Profit Recovery is NOT the creditor, I never contracted with them, and I sent certified letter to them and also ALL the Credit consumer agencies to immediately correct my report and remove this Fraudulent account. 

If they are communicating with me in an attempt to collect a debt, they are also subject to the federal Fair Debt Collection Practices Act ( FDCPA ). This law sets specific rules and guidelines for how debt collectors can contact and communicate with consumers. If a debt collector violates any of the provisions of the FDCPA, I may have the right to sue in federal court and recover damages against them.

They furnished this false account on my reports and this has caused my credit worthiness to be affected!
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT DUPLICATE********** I HAVE NOT BEEN ABLE TO REACH EQUIFAX CREDIT REPORT AGENCY. THEY HAVE SENT OVER THE SAME INFORAMTION NOT RESPONDING TO EACH INDIVIDUAL RESPONSE. I HAVE SUBMITTED A REQUEST FOR XXXX XXXX XXXX COLLECTIONS TAKING OVER XXXX XXXX XXXX  ACCOUNTS TO BE VALIDATED. THE COMPANY FAILED TO DO SO IN 30 DAYS WHICH IS MY RIGHT THROUGH FRCA AND EQUIFAX HAS FAILED TO REMOVED THE ACCOUNTS. I HAVE SEVERAL REQUESTS ONLINE THROUGH CFPB BUT NO RESPONSE FROM EQUIFAX OR XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have absolute frustration and anger at the way you've handled my complaint. I submitted a formal complaint to the CFPB on XX/XX/year> ( Complaint No. XXXX ), making it XXXX clear that certain accounts could be fraudulent and/or instances of identity theft. Even more importantly, I detailed how these accounts are inaccurately reporting and failing to meet certain FCRA criteria. 

Instead of doing your job and conducting a thorough investigation as I reasonably requested, you sent me a XXXX response on XX/XX/year>. Lets be real here the claim that " my CFPB complaint regarding reinvestigation does not appear to have been sent directly by me or authorized by me '' is a load of complete nonsense. I personally filed that XXXX complaint, and this XXXX " precautionary measure '' is nothing more than a stall tactic to delay addressing my concerns. 

Furthermore, your request for additional documentation including a copy of my ID, Social Security number, and proof of address is even more insulting. I ALREADY provided ALL of that as attachments in my initial complaint on XX/XX/year>. So, what exactly are you stalling for? Is this just a way to dodge responsibility? 

Go back and read the WHOLE Complaint No. XXXX and OPEN the attachments that were provided.
Product: Debt collection

This is an outstanding account with a debt collector who bought this debt with XXXX Hospital. I contacted XXXX Hospital on my own to find out about this debt. I also told them that I was a victim of ID Theft and that my wallet was lost in the past with all of my personal information in it. XXXX Hospital went over the bill with me on a date of service that I was not familiar with. XXXX at XXXX Hospital stated that they no longer have the debt and that it was sold to the company that I am making a complaint to.
Product: Debt collection

The debts went into collection and were sold to a collection company. The  Collection  companies have been trying to collect. I have sent letters to Original creditor, collection agencies and contacted credit bureaus regarding matter on   XXXX   XXXX   XXXX    . The original creditor or the collection agencies responded to my letters.   I have no contract with these collection agencies and I have asked for any contract they have with my signature, still no reply. The credit bureaus told me these collections agencies have a right to collect because they bought these debts and they want their money and they do not need a signed contract. I was told by an  XXXX  representative that I could not dispute these collection agencies because my reasoning was invalid.     I have no contract with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX  GA  XXXX  as this account was sold to   XXXX   XXXX   XXXX    XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX    XXXX  PA  XXXX ,  XXXX  I have no contract with   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , KY  XXXX  as this account was sold to  XXXX   XXXX   XXXX  #  XXXX ,  XXXX   XXXX   XXXX ,  XXXX , TX  XXXX ,  XXXX  I have no contract with  XXXX   XXXX , as this account was sold to  XXXX   XXXX   XXXX  #  XXXX ,  XXXX .  XXXX   XXXX   XXXX , KY  XXXX  Please help me if possible. Thank you
Product: Debt collection

This debt collector engaged in XXXX, XXXX, and XXXX XXXX of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I did not sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to {$1000.00} dollars per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. I provided all the necessary documentation such as the FTC report I filed with Federal Trade Commission to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. Please delete the accounts below : XXXX  XXXX XXXX, XXXX  XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021. I received XXXX+php payment from my trade to my paypal account . Then the paypal hold my the said payment and email to my email account. Asking for the details of my transactions and also presenting my valid id. Then i give it all to settle my onhold paypal amount, paypal send a message about the review of my transactions in 3 working days.After a days paypal email me to informed that my account permanently limit and not able to do any transactions.
Product: Credit reporting

The was a loan on my account from XXXX XXXX that has incorrect terms that was never verified by Transunion, therefore the account was deleted from my credit file. However, it was re added without any notice, justification, or how the investigation was completed. XXXX XXXX was to submit documents on XX/XX/2017 to the credit agency to update my file of when the account should be removed. XXXX has n't honored the new terms from XXXX that are attached. My file has n't been updated to show accurate information about my credit history. I am requesting my credit file be updated to show the correct information or deleted in regards outlined in the FCRA.
Product: Debt collection

Due to Covid-19 was told I had time to pay the bill, paid bill in time but they had reported to credit reporting agency anyway. I do believe it was not done intentionally. Its been tuff on all. 

Eastern Accounts System : XXXX XXXX {$0.00} due account # XXXX
Product: Debt collection

last month I received notification that National Recovery Service put a derogatory remark on my credit report for {$600.00} relating to an unpaid gas bill with XXXX Gas and Electric from usage between XX/XX/XXXX and XX/XX/XXXX at XXXX XXXX XXXX in XXXX, XXXX. I sold that property in XXXX and have lived in XXXX  since XXXX so it is not my bill. I have contacted XXXX Gas and Electric and they explained to me that I somehow set up an option where if noone 's name is attached to the gas bill the gas bill is forwarded to my name ( I don't remember doing this ). But I should not be responsible for a future owner 's gas bill and this is ruining my excellent credit. I have requested investigations from XXXX, National Recovery, and all credit bureaus but have not gotten anywhere.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that I believe to be fraudulent and have negatively impacted my credit report. Below is a detailed list of the accounts in question : XXXX XXXX XXXX 
Acct : XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX ACCT : XXXX. 
XXXX XXXX AND XXXX. 
Acct : XXXX. 
XXXX XXXX XXXX. 
Acct : XXXX. I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Debt collection

I have contact them told them this was not my debt and I have no knowledge of this debt. My personal information was stolen and I told them that
Product: Credit card or prepaid card

hello, my name is XXXX XXXX. in regards to this complaint, Ive been deposited a check from my new job at XXXX. The balance was XXXX on XX/XX/2019. Ive made several transactions, over the past few days. Ive done the math from all the transactions. I should have {$62.00} left in my account. please look into this i would like a refund of my money im unsure why it says i have XXXX balance. ive tried spending money for gas and my card declined. This highly upsets me, please help me resolve this quickly as possible. thank you for your time. This is my first time using a pay card ive never had something like this happen before. have a nice day.
Product: Credit reporting, credit repair services, 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 Balance : {$350.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX XXXX/XXXX  received a validation dispute and the did not investigate. They did not notify the credit bureaus that the account was being disputed and did not give me a response at all for the dispute submitted within the timeframe that is applicable by law. This account has not been validated. On XX/XX/2021 a letter was submitted to this creditor and they still have failed to report to the bureaus that the account is in dispute. No response have be given at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. 
My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX  XXXX XXXX Balance Owed : {$100.00} XXXX XXXX  XXXX XXXX Balance Owed : {$170.00}
Product: Credit card

In XXXX I was locked out of my online account and I called the number on the credit card to make a payment. The person I spoke with told me that there will be a {$15.00} payment fee for payments over the phone. 
I found out now that fees for payments over the phone are not allowed. When I reached out to First Interstate, they told me that the fee is charged by XXXX. On the First Interstate credit card, they only list one phone number which is the one I called. 
I would like to see if they are allowed to charge the fee and if they are not to reverse it and take further measures to not overcharge their customers.
Product: Credit reporting or other personal consumer reports

I noticed some inaccurate accounts and unauthorized inquiries. Please delete this accounts and inquiries. Also I recieve responses from the bureaus saying I'm using credit repair company which is wrong because I'm the only one sending letters and complaints XXXX XXXX XXXX XXXX XXXX, XXXX {$11000.00} XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX {$80.00} XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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

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. Have violated my rights. 
FIXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has no affiliation within myself I also have never been employed by a company called XXXX and this is also reporting inaccurate. 




has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

On Dates XXXX XXXX I have several fraudulent inquiries on my credit report from the following companies XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX Ca, XXXX, XXXX, XXXX, and XXXX XXXX  respectively. I called XXXX and was told I had to file a complaint with the FTC before any further actions could be taken. I also have the following fraudulent accounts on my XXXX and XXXX accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX I am deeply concerned to find several accounts on my credit report that do not belong to me. These fraudulent accounts are causing significant distress and are preventing me from securing essential credit. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I urgently plead for their immediate removal. Please expedite the investigation and correct my credit file as soon as possible. Thank you for your prompt attention to this alarming matter.
Product: Credit reporting

transunion lists my employment as " XXXX ''. I have never been employed as a XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern : I am disputing inaccuracies in the reporting of my account ending in XXXX. The account contains the following discrepancies : Inconsistent Reporting of Dates : Last activity and closed dates differ across TransUnion ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). 
Balance Reporting : The account is marked as closed and charged off, yet a balance of {$1900.00} is still being reported inaccurately.

Account Type and Payment Details : The account type and payment details are inconsistent across the bureaus.

These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) under 1681s-2, which requires creditors to furnish accurate and complete data. I request that the account be reviewed, verified, and updated to reflect consistent and accurate information.

Please provide a response within the XXXX investigation period as required by the FCRA.
Product: Credit reporting or other personal consumer reports

I have reached out Experian, XXXX, and XXXX on multiple occasions regarding disputes of inquires on my credit report for accounts i do not have. I've also received multiple notifications that my email and social security number has been accessed to the dark web and i put a fraud alert on my credit file to alert the credit bureaus about this issue. 
I've contacted the credit bureaus 4 times this year on this matterXXXX XXXX XXXX XXXX XXXX XXXX XXXX   Here are a list of inquires that were not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX