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

I need to inform you I was the victim of identity theft. I'm disputing the following account as it was opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. 
Please dspute the following accounts It was opened wihtout my knowlege, authority or consent. 

XXXX XXXX
Product: Debt collection

Subject : Dispute of Collection Account Pursuant to 15 USC 1692g ( a ) I am writing to formally dispute the validity of a collection account appearing on my credit report. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g ( a ), I am requesting detailed validation of the debt in question. 

MRS BPO I am exercising my rights under the FDCPA to request the following information.

1. Verification or proof of the alleged debt, including the original creditors name and address.

2. Documentation evidencing that the collection agency has legal authority to collect this debt.

3. A complete accounting of the alleged debt, including all charges, fees, and interest applied. 
I also request that you provide me with a copy of the agreement that authorities the creditor to assign or sell the debt to the collection agency. Furthermore, please provide verification that the statute of limitations on this debt has not expired. 
I understand that under 15 USC 1692g ( a ), you are required to provide me with the requested information within 15 days of receiving this dispute. Failure to do so will result in the assumption that the debt is not valid and you must promptly remove it from my credit report. 
Please send all correspondence regarding this matter to the address listed below. I appreciate your prompt attention to this dispute and your compliance with the FDCPA regulations. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

These inquires were unauthorized and I am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these from my credit report
Product: Checking or savings account

The answer to the complaint XXXX is totally wrong. There is no correlations between the deposit between XX/XX/XXXX and the deposit on XX/XX/XXXX. Both of them come from a XXXX XXXX account, but from different CHECKING ACCOUNT. One of them is Personal and the other is Business. I do not receive my money yet. 

My complaint is about the deposit on XX/XX/XXXX, The check number is XXXX. 

Please, feel free to verify the information provided by me in the attachments.
Product: Mortgage

Under the Fair Credit Reporting Act ( FCRA ), companies can only pull your credit report if they have a permissible purpose such as : Your explicit written consent ( e.g., for employment or rental purposes ). 

A credit application, account review, or debt collection. 
Pulling your credit report without your consent or a legitimate purpose is illegal. Violators may face fines, lawsuits, and damages.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, 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. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/year> XXXX XXXX XXXX XXXX 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: Bank account or service

On the year XXXX, I had an overdraft account of {$520.00} with XXXX Bank Acct # XXXX now its named TD Bank. 
In XXXX I attempted to open a checking account and was unable being that I was added XXXX. 
I am aware that I have to pay my debts but I read that being that this debt is more than 15 XXXX old TD Bank should not have reported me to XXXX. I am in the process of filling Bankruptcy and not sure if this presently should apply. 
I am sending this complaint for you to be aware that TD Bank has made it quite difficult/impossible for me to open a checking account which presently I do not have, And possibly have done this to others. 
I have attached the original Collection Agency notice of my overdraft at XXXX Bank in XXXX. 

Thank you! 

.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXXXXXX Balance : {$330000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$51000.00} XXXX XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I wish to dispute the presence of unauthorized accounts on my credit report, as indicated by your bureau. Upon meticulous scrutiny of my credit report, I have determined that these accounts are the results of identity theft. I initiated to contact with the banks associated with these accounts, and they assured me that it would be removed from their records. 
Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. 

Moreover, ither credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Credit card

Well I 'm a XXXX with limited credit history. I work and receive public assistance. So I want to build credit because I 'm XXXX with limited credit because I went though a rough period in my life from age XXXX-XXXX. So I went to Peoples united banks website and saw that they offer a credit card to college students with limited credit history. So I applied and was rejected so I called XX/XX/2016 to ask why was i rejected. The Person on the other end told me i was rejected for limited credit history. After arguing I asked to speak with the manager. The manager told me i was denied for limited credit history then it was because i have n't had a line of credit since 2012 so he said it had to be recent credit history then he told me that they could falsely advertise because they had hidden terms i could net see on the website when I applied for the card ( meaning it was n't available in the fine print ) so I ask can I speak with his manager and i was put on hold where I hung up. The last thing He said that he was going to put in a complaint. So I hung up because my father works for XXXX call center he told me that they put angry customers on hold and tell them things to get them off the phone ( like saying he was going to put in a complaint about false advertising ).
Product: Student loan

The entire student loan was previously removed from my account for several months as being discharged and then reappeared under a new company ( NelNet ) for the full amount. I am completely muddled as to why the loans would be forgiven and the reapplied to my credit I understand that the process for reviewing and approving loan forgiveness requests may take time, but I kindly request that my application be considered thoroughly at your earliest convenience. 

I am sharing with you any additional documentation or information that may assist in the review of my request. 

I sincerely appreciate your attention to this matter and eagerly await a response. If you require any further information or clarification, please do not hesitate to contact me. 

Thank you for your time and consideration. 

Warm regards, XXXX XXXX
Product: Vehicle loan or lease

I purchased a Vehicle in XXXX from Us Auto Sales- Whom I have had several Complaint with the XXXX. The car began randomly shutting off 2 weeks after purchase and continues to do so. 2 Months ago I was told to take the vehicle in for a diagnosis. When I called back to advise what the diagnosis was US Auto was closed without any notice or guidance. About a month ago I found that a new company located in XXXX XXXX name Westlake Portfolio XXXX has my loan and they began demanding payment. I advised them that this was a breach of contract according to GA law and requested a supervisor. I am never provided with a supervisor. I have asked where was my warranty, Title, and contract and they do not have it. They have stated they would provide me with a copy of the power of attorney from us auto and they stated they only have a copy of my Title and it is still in the name of US auto. Each person I speak to places me on hold when I call and ask these question and will hang up about XXXX minutes of me holding - on XX/XX/XXXX I spoke to 3 individuals. The first person requested that I make payment regardless of them not providing me with the information requested and then told me my car my car was up for repossession. I spoke to another gentleman who said it was not up for repo. Lastly I spoke with a supervisor who advised me to speak to the legal department. I call XXXX XXXX at XXXX who states he could not assist me and he did not know why they gave me that department. I have sent emails as well - No response- I wake this morning XX/XX/XXXX and my car is gone- I have always paid my care note. I am a mother of XXXX young people. Today I had to take a XXXX XXXX, the XXXX XXXX. the XXXX XXXX and the XXXX XXXX to get to work. I am utterly disgusted. This company wanted my money with no explanation and also threated my credit. I just need help. I am in no position to purchase a new car. They said I was 45 days past due
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX XXXX
Product: Debt collection

The debt collector ( XXXX ) has falsely " parked '' old debt on to my credit report that was found to part of identity theft from XX/XX/XXXX. They have tried to " reage '' this debt onto my credit report as being opened XX/XX/XXXX and owing {$1200.00}. They have also falsely and illegally reported twice on this same account for another {$1200.00}, and have falsely said this was opened XX/XX/XXXX. XXXX recovery services has illegally harmed my credit on a debt that is not mine. XXXX  and XXXX cleared this identity theft over XXXX or 4 years ago. I have written XXXX with no response. I have asked them to remove this from my debt as I do not owe on this debt. Not only have they refused to give me information on this debt, they have now double reported on my credit report in an effort to collect more money from me. My next step is to sue them in court if this is not resolved. I have attempted to get this fixed for almost 2 years now with XXXX. They have falsely reported wrong information on my credit report with XXXX, with the sole purpose of keeping this debt " alive '', when it should have been removed from statue of limitations in XXXX and when this was found to be used from identity theft years ago. Because this information was removed over 3 years ago from my credit report I did not keep that paperwork as I thought it was final. Then XXXX parked this old debt after purchasing it wrongfully after the fact when it had been removed from my credit report. The original debtor was HSBC and had been removed from my credit report only for them to sell this wrongful debt to XXXX after it had been found to be part of several accounts used as part of identity theft. I have asked for any signatures of mine, driver license, proof that this was my account and have yet to receive anything back. Please help me get this matter resolved as I feel extorted to pay two debts on an otherwise clean credit profile while Im looking to purchase a home. After an inquiry on a mortgage is when the 2nd reporting of the {$1200.00} debt was added to my credit report. Thank you for your assistance.
Product: Checking or savings account

I applied and opened a checking account in branch on XXXX XXXX, XXXX. People United Bank was running a promotion that the associate attached to my account. The offer was to receive {$100.00} after meeting a single direct deposit requirement in 30 days of over {$100.00}. On XXXX/XXXX/XXXX, there was a direct deposit of {$540.00}, the opening bonus was never credited to the account in the 3 month promised time. The bank did not award the bonus lines in their terms and conditions. I was I satisfied with the process and did not use the account after the promised time. Bank closed my account after a month of inactivity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. Ivisited XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, and XXXX. XXXX XXXXXXXX, I was approved for anew car. Upon looking at my credit report, all three dealerships ran my credit throughseveral credit approval companies. I have a total of 46 credit inquires across the three creditbureaus within a 7-day time frame. XXXX  XXXX XXXX XXXX XXXX XXXX placed a hardinquire on my credit 22 times. I sent letters to each of the individual companies andreceived a letter stating I agreed to them running my credit by providing the merchant mydriver 's license. I did not agree or approve these companies to run my credit 46 timesthrough several different companies, including those I  have never heard of. XXXX XXXXcould have used the first inquire as it remains available in the system for 30 days. I waspreapproved through XXXX XXXX and presented my preapproval to each of thedealerships. Unfortunately, all three of the dealerships ran my credit through severalagencies without my consent. I did not authorize these companies to run my credit or viewmy credit report. I have contacted these companies several times to request the removal ofthe inquire and even hired a law firm to help, but they will not budge. I also contacted thethree major credit bureaus and I did not receive a response. 46 inquires across 3 creditbureaus within 7 days are truly excessive and violates several consumer laws. I would like all46 inquires removed  from my credit. I did not provide written or verbal consent for this tohappen and I am saddened and truly devastation I am not being heard. These companieshave caused unnecessary harm. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, I have asked the credit bureau to investigate the accounts listed below for accuracy. I received an updated reporting stating accounts were verified and are accurate. I ran a recent report and have attached detailed information arguing that an investigation has not been done. I sent these letters certified XXXX, and XX/XX/23. 

XX/XX/23 Certified Mail Tracking XXXX XX/XX/23 Certified Mail Tracking number : XXXX XX/XX/23 Certified Mail Tracking XXXX In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX XXXX I Account Number : XXXX XXXX Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX 3.Account Name : XXXX XXXX XXXX Account Number : XXXX  4. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Someone had submitted multiple fraudulent applications with multiple banking institutions, including 5 inquires ( of both hard and soft ) which are XXXX XXXX XXXX XXXX, XXXX and 2 COMENITY/VICTORIA SECRET inquiries ( all were reported to the credit bureaus around XX/XX/XXXX to XXXX XXXX 2021 ), and of the 5 applications, 1 was able to go through and be approved, and a fraudulent COMENITY/VICTORIA SECRET store credit card was fraudulently created underneath my name. ( reported to the credit bureaus around XXXX XXXX, 2021 ) I have contacted all the creditors and banks listed above and they had all started an investigation ( except forXX/XX/XXXX, as they indicated they can not find any record of an application underneath my name and SSN that was filed with them, when I can see that on my credit report ) and had closed the account that has been fraudulently opened ( the VICTORIA SECRET store card ). However, all of the information listed above has already been reported to all 3 of the credit bureaus and has already begun to have a negative impact on my credit score.
Product: Credit reporting or other personal consumer reports

I requested that a few accounts on my credit file be investigated with Experian starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent XXXX follow up letters on XX/XX/XXXX and XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Product: Debt collection

I was not served properly. when I got home on around XX/XX/XXXX my neighbor handed me two summons that she said were given to her by an un known person. I was not home so they gave them to her. I am never home at the same time as my neighbor he waited until he saw me. when I saw what it was it turned out to be a law suit. but by the time I got them it was long past the time I could show up to court. 
I don't think this is right. I am pretty sure that I would have had to be personally served and I was not. one of the summons was dated XX/XX/19and the otherXX/XX/XXXX I looked up both of the summons on line at the XXXX court house and both say that i was personally served. and that is not true. i was never served and when i got the paperwork it was long past the time i could show up to court. 
this is not fair business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX  I had written all 3 credit reporting bureaus because I had found some improper inaccuracies on my credit report and if they could please conduct a full review of my file. As of XX/XX/ XXXX  and the completion of their reviews, pulling my credit report myself the inaccuracies are still present. XXXX # XXXX inaccuracies still present, ( dates inconsistent ). XXXXXXXX XXXX # XXXX inaccuracies still present, ( dates inconsistent ). XXXX XXXX XXXXt # XXXX Inaccuracies found, ( condition of account inaccurate ). XXXX # XXXX inaccuracies still present, ( reported dates, date opened unavailable ) XXXX # XXXX inaccuracies still present, ( dates wrong ). XXXX XXXX # XXXX inaccuracies still present, ( dates inconsistent ). XXXX XXXX XXXX XXXX # XXXX inaccuracies still present, ( pay status ) XXXX XXXX # XXXX inaccuracies still present, ( pay status, condition inaccurate ) The fair credit reporting act states, If after any investigation under paragraph 1 of any information disputed by a consumer and item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency should, ( 1 ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance of the fair creditor reporting act this creditor has violated my rights under 15 usc 1681 sec 6 02 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. under 15 USCS 166b a creditor may not treat a payment on a credit card a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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