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

I HAVE FRAUDULENT NAMES ADDRESSES ON MY CONSUMER REPORT THAT ARE DONE BY FRAUD ACCORDANCE TO 15 USC 6801a PROTECTION OF NON PUBLIC PERSONAL INFORMATION ALSO 6802 OBLIGATION WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION TO USC 1681abc PERMISSIBLE PURPOSES OF CONSUMER REPORTS I NEVER RECEIVED A CERTIFIED LETTER FROM EXPERIAN XXXX XXXX GIVING THEM CONSENT TO FURNISHED THESE FRAUD ITEMS ON MY CONSUMER REPORTS PLEASE VERIFY THE LETTER ACCORDANCE 1681S2 AND SEND IT TO MY CORRECT ADDRESS AND SEND AND UPDATED CREDIT REPORT WITH THE FRAUD NAMES ADDRESSES DELETEDTO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND MY XXXX GIVEN NAME IS XXXX XXXX XXXX you are breaking the law twice with 18 usc 1028abc AGGRAVATED IDENTITY THEFT PLEASE DELETE FRAUD NAMES ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THX SIRS MAAMS XXXX BLESS
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I mailed a letter to XXXX in regards to accounts listed on my credit report. I wanted XXXX to verify the listed accounts below. 
XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX Massachusetts XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX  XXXX Unverified Account Being that I had not heard from XXXX so on XX/XX/2020, I mailed a No Response Letter asking for deletions of said accounts. Additionally, I mailed a new letter on the same day asking for vertifications of the accounts listed below. 

XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Unverified Account As of XX/XX/2020, I still have not received any correspondence from XXXX regarding both letters mailed to their office.
Product: Debt collection

Since XX/XX/XXXX I have received 6 emails from XXXX XXXX of XXXX ( XXXXXXXX XXXX XXXX XXXX ). It may have begun sooner but I kept dumping them because I assumed they are phishing. Now they have become a nuisance. 

According to XXXX, I owe a balance of {$990.00} to XXXX XXXX. The email says this was an original account with XXXX XXXXXXXXXXXX XXXX XXXX and provides the last 4 numbers of an account. 

The email also says because of the age of the debt, I can't be sued for it and it can't be reported to a credit reporting agency.

For more than 2 decades, we have never carried ANY balance on any account. We have been completely debt-free. 

The dates of emails from them are XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX I've taken a screen print of the XX/XX/XXXX email. Had to scan it in 2 pictures ( top and bottom ) I have reported this to Kentucky 's Attorney General 's office as well.
Product: Checking or savings account

Good Evening, My identity is at risk. I 'm a veteran that 's going through a tough time and needed my credit repaired. A guy offered his services to me and seemed like an actual business ( business websites, XXXX videos and other social media 's outlets ). I paid for the service of {$750.00} ( XX/XX/XXXX ) and followed his instructions to place a " freeze '' on my credit ( XXXX XXXX, XXXX, XXXX and etc ) and never heard from him again with no results. So I called my bank ( Navy Federal Credit Union ) on XX/XX/XXXX and asked if the bank would look into situation and they said they could not help. Then, I called the companies mentioned to have the " freeze '' removed and ask about how to submit a fraud alert to credit bureaus and later that same day the guy texts me saying I should see results soon. I 'm thinking since he 'd my information and probably could see if I removed the freeze at anytime, that would signaled him to start his next phase of fraudulence to contact me to keep me calm. 

I have all the texts and information I sent him, his name, email, phone number, business name and bank information ( but I would not be surprised if he changed all of this ).
Product: Debt collection

Clark County Collection is currently reporting an account in non compliance with following GLBA statues ( s ) Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has not properly validated this account, and it must be deleted in accordance with the FCRA. XXXX continues to inaccurately report the following collection account on my Transunion consumer report. XXXX did not show proof that I owe this company XXXX. XXXX did not show proof that I owe their company this debt with a document showing my signature on it. XXXX can not show me detailed list of the history of payments on this account because I do not have a signed contract with XXXX guaranteeing payment to them. I did not receive the requested documents from XXXX XXXX XXXX as requested. Inaccurate Account : XXXX. I demand that this account be deleted immediately because I am not liable to XXXX XXXX XXXX for this account. The laws that this company have violated are XXXX5 U.S. Code 1692g of the Fair Debt Collection Practices Act, and under 15 U.S. Code 1681i ( 5 ) : Removal of Inaccurate/ Invalidated credit information. This company can not accurately validate this company because I do not have a signed contract with Resurgent/LVNV.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 ITEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I notified this agency of my identity theft victimization on XX/XX/2024 via certified mail. Despite this, as of { XX/XX/2024, the agency continues to report information stemming from the identity theft incident. According to Section 605B, Block of Information Resulting From Identity Theft, consumer reporting agencies are obligated to inform furnishers of information, including financial institutions, when information may be attributed to identity theft and an identity theft report has been filed. I provided them with FTC report numbers XXXX, with the requested block. 
Upon receiving such notification, Section 623 ( a ) ( 6 ) mandates furnishers to promptly block the reporting of any information identified by the consumer as originating from identity theft within four business days of receiving : Adequate proof of the consumer 's identity ; A copy of an identity theft report ; Identification of the specific information by the consumer ; and A statement confirming that the information is unrelated to any transaction by the consumer.

I complied with all these requirements, and the supporting documentation will be included with this complaint. However, the agency has failed to adhere to the FCRA 15 U.S. Code 1681c2, which requires the timely blocking of reported information identified by the consumer as resulting from identity theft within four business days of receipt by the agency. This failure constitutes a violation of the law, making the agency civilly liable for any actual damages incurred by me due to this willful noncompliance under 15 U.S. Code 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to know how my BK chp XXXX was reported and who reported it OR who verified my BK. I wrote each bureau, the BK court and submitted a dispute. The BK court verified with me in a letter that they did not submit the BK info to ANY bureau. I do understand that this is public information but I want to know WHO verified my BK and WHO reported my BK to each bureau. All each bureau will tell me is the information is correct. Well it isn't. I received a letter from TransUnion that stated, " A change was made to the Item based on your dispute ''. The court type was missing. So without a Court Type and reporting, wasn't this erroneous reporting? There is also one account on my report that is 13 years old that I have requested to be removed. It was included in the BK but not removed. My main complaint is : tell me WHO verified my bankruptcy and WHO reported it. Why was the Court Type not listed on my BK? Why is there an account still showing on my report, and is still showing in bankruptcy? My bankruptcy is over 8 years old. This communication with me and the bureau 's has been going on for 2 months and I have yet to receive an answer. My request is to have the BK removed as it has been over 8 years. After my research, nothing I have found states that a BK WILL stay on the bureau 's for 10 years. Everything I'm finding states the BK MAY/CAN stay on the bureau 's for up to 10 years. Where is the break? I think 8+ years is long enough. I have proven my new credit options with timely repayment and with no definitive answer from the bureau 's, incorrect reporting with the court type, I'm asking for the BK Chp XXXX to be removed from all three bureau 's. Please let me know should you need copies of the letters or additional information. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXXXXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 

XXXX XXXX XXXX # XXXX XXXX -- XXXX B B XXXX   XXXX XXXX XXXX XXXX -- XXXX B XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX PLEASE REMOVED DUE TO FRAUD Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

In XX/XX/XXXX, I went to the XXXX XXXX store located at XXXX XXXX XXXX, XXXX, WA XXXX. During the visit, I was offered by a sales rep to open a store charge card in consideration for a discount on my purchase. I agreed, provided my driver 's license ( which has my name, XXXX XXXX on it ), and my social security number. I purchased some clothing on my card and left the store. 

I didn't think much of it after leaving the store, but several weeks later, realized I had never received my new store card. I called the store itself and reported the issue to a manager. I never received a card in the mail. 

About two months later, I received a statement from an entity, Barclay Bank, that showed over {$500.00} in transactions including restaurants and other businesses. It was clear that these transactions were somehow related to the account that I had opened at the XXXX XXXX, first of all, which I thought was just a store charge card, not a XXXX. 

Oddly, the name on the account was listed as XXXX XXXX ( a name I formerly used several years ago, but I legally changed my name to XXXX XXXX in XXXX, and had not used that name since. ). 

The day I received the fraudulent bill, I called the telephone number listed on the statement and reported the fraud, asking that the card be closed and that all of the transactions listed be reported as fraud. I was transferred to 6 different reps during this process and was on the phone for over an hour. I hung up from that call with the understanding that the fraud report was complete. 

About 30 days later, I received a second statement in the mail. This time, I called again to re-report the fraud, and also sent a letter to report the fraud in writing. 

Old XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX After this happened, instead of the account being closed, I then received a physical credit card in the mail. Then, I received a late notice and I began receiving emails and phone calls about my account being late. 

I have Barclay 's upwards of 20 times by now, each time continually reporting the transactions as fraudulent and requesting numerous times that the account be closed and the charges reversed. It has been nearly 9 months now since my complaint of fraudulent charges and account information was submitted. I have received numerous letters and phone calls from Barclays, and the account is now significantly affecting my credit score. The account has also accrued about {$200.00} of additional late fees, so now the bill is over {$700.00}. 

Each time I call Barclays, I am passed around to multiple people and multiple departments, each department acting like they don't know about my previous reports. This feels like a racket, that they are doing this on purpose to get consumers to give up on this process and just pay the bill, due to the significant time investment and dozens of actions needed.
Product: Debt collection

TD Auto Finance has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Student loan

Today, ( XX/XX/2024 ) I received a call at my office ( Employer ) from XXXX XXXX from Navient ( XXXX ) XXXX harassing me regarding a personal loan debt. I advised XXXX XXXX to never call my employer and to send all current and future communications to the address they would have on file. XXXX XXXX was demanding I discuss a debt that I am unfamiliar with and advise him to never contact my employer. He suggested he was calling regarding a " Business matter '' as in fact this is not a business matter but to harass on alleged private student loan debt. Before I disconnected the call, I inform him to send me whatever alleged loan debt he has to send me the information via mail or email and I would forward this information to my attorney. I requested him to stop calling me at my work place.
Product: Money transfer, virtual currency, or money service

I reached out to Venmo on Sunday, XX/XX/XXXX to confirm that I could receive a large deposit to the account. The agent confirmed that I could, but I would only be able to transfer {$20000.00} to my bank account for the month. I could, however, send {$60000.00} to other people ( friends and family ) or pay bills with those funds. 

I was able to withdrawal some of the money, but no where near close to those stated limits. Venmo is now holding {$47000.00} in my personal account and {$8300.00} in my business account with them. They emailed me to say my account is frozen and I need to send a copy of my ID, which I did. They will not respond to emails. The customer service team said that I basically have to wait for someone to email me and it could take weeks. 

XXXX in the middle of XXXXXXXX XXXX and I need those funds to pay for those and to pay my bills. I cant get any help from anyone at Venmo and I wont be able to survive without that money. I have kids and I need someone to help me.
Product: Payday loan, title loan, personal loan, or advance loan

They are taking almost XXXX dollars every two weeks. Im having a hard time trying to pay it back. I really needed the money for a bill. I can pay once a month but never every two week.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts XXXX and XXXX were added without my knowledge. Furthermore, I have no knowledge of the accounts that are reported. I contacted Equifax and reached out to the companies reporting. I still haven't received any information regarding accounts and Equifax is still reporting. No other credit bureau 's are reporting XXXX account. Now, recently they added XXXX to my credit report without my knowledge. I do not recognize these accounts and do not belong to me. It has also been past the 30 days allowable timeframe, as I've been in contact regarding these accounts since XX/XX/XXXX. This is in violation of the FCRA and FDCPA.
Product: Debt collection

I received a summons from RAB performance and I answered, paid the money and went to court when I received the court date. No one ever showed for this company and the judgement was vacated. It is still pending on my credit file and I am unable to obtain a mortgage. I am a single mom trying to provide a better life for my son. This has stagnated me. I am not even aware of the company XXXX any dealings hence me going to court to find out more. Please help me
Product: Student loan

I 've had a student loan for about 8 years and financial squeezed for a majority of that time. For at least the first 5-6 years I 've had my loans in deferment because I was suggested it by my loan sevicer. Not until recently, because I 've been adament about repaying did I hear about the income based repayment program that is offered. Furthermore I have XXXX different loans all with drastically different interest rates. The repayment process seems convoluted and hindered with many obstacles. I 've made well over a years worth of payments and my loans have seemed to increased exponentially. I feel like that my loan servicer is clearly not interested in cooperating with reducing my loan balance and is clearly more interested with my interest %.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was due to an error in the automatic payment system set up with XXXX. My payment was scheduled and authorized on time, but due to a glitch in the system, it was not processed until after the due date. This error was beyond my control and does not accurately reflect my payment history. 
Evidence provided : Bank statement showing the payment was initiated on time. 
Correspondence from XXXX acknowledging the issue with their payment processing system. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Capital one is violating me as a consumer by furnishing a misleading inaccurate account on my credit report. They are failing to comply to the FCRA. I've sent in multiple concerns and we still have a problem. They disregarded my dispute multiple times. I'm asking CFPB to help me with this situation. This account is not maximum possible accurate which is the FCRA standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXXXX/XX/XXXX XXXX had originally put this account as being late. After disputing with the credit agencies XXXX XX/XX/XXXX XXXX proceeds to update the account being late as of XXXX. Which is completely false I hadn't had XXXXXX/XX/XXXXXXXX for nearly 10 years Until XXXX. And they will not let this fall off my credit And they have lied to keep this 11 year delinquent account on my history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, I am a victim of Identity theft. I have provided proof of my ID Identity theft report from the Federal Trade Commission. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my consumer rights.