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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information with Experian and they have not done a thorough investigation nor supplied me with the proper validation of the said debt and inaccuracies that are reporting on my credit profile. There are several accounts in which I have proven to be inaccurate. I have called and spoke with representatives who have disconnected my calls, transferred me to departments who could not assist, and sent multiple letters requesting a FAIR and just investigation and they are being non compliant.
Product: Checking or savings account

On XX/XX/24 my account was locked with no explanation or notice from Truist Bank. When I reached out I was told the reason for this was suspicious activity. When I asked what suspicious activity occurred they told me nothing had been posted but that the matter should be rapped up in 72 hours and that an employee would reach out with more information. It has been nearly 2 weeks I have called multiple times to get some clarity and they refuse to give a reason for why I have no access to my own funds.According to them they can hold my money with impunity for an indefinite period of time. As a result, I can not pay bills, buy gas to get to work, or close my account and move the funds elsewhere. However, they were more than happy to allow me to deposit a payroll check before I realized the account had been locked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey hope all is well I sent the credit Bureaus Multiple letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report is still showing inaccuracies. 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. 

Accounts Disputed Listed Below : XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account XXXX XXXX 

XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX  XXXX Account number XXXX.
Product: Credit reporting 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. 

Account XXXX : XXXX Account XXXX : XXXX and list of Inquiries. 


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, credit repair services, or other personal consumer reports

i have a bankruptcy reporting on my credit report that is not mine! i have disputed this numerous times to no avail. XXXX  has already removed this fraudulent information. This belongs to another XXXX XXXX.

Chap XXXX-Discharged ; XXXX XXXX XXXX IL. XXXX. Reference # XXXX
Product: Credit reporting

XX/XX/2016 Consumer Financial Protection Bureau Reference Complaint XXXX, Experian Dear Representative : On XX/XX/2016 I sent a certified letter via U.S. Postal Service, to XXXX and Experian regarding a debt which was claimed I owed to a company named XXXX. {$4000.00}. The credit bureau partial account number for this account is XXXX. 

The debt was passed on to a collection company named XXXX, which I also sent a certified letter to in request they validate the debt, pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ). The certified letter was also sent on XXXX via U.S Postal Service. 

XXXX 's address listed on the credit report XXXX, XXXX TN XXXX was undeliverable, which I may known to the XXXX credit bureaus listed above. In my dispute letter to them I let it be known, there is an error in the debt collectors address and this should be corrected listing a true address or the debt removed. I also provided to the credit bureau 's a copy of the correspondence of the U.S. Postal Service Certified mail receipt and letter as evidence of my attempt to get the debt verified. 

On or about XX/XX/2016 I received a response from the XXXX credit bureau 's with no change in its reporting of this date or address correction, pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

I am requesting the Consumer Financial Protection Bureau 's intervention in this matter so that I may get the credit report corrected. 

Respectfully, XXXX
Product: Debt collection

I do not deny that I am usually late on my car payment however, I get phone calls on a daily basis starting the very first day the payment is due and it is n't just one call it is several calls per day and the the Finance company does n't leave a message. I have XXXX phone service and every call coming in or out is logged. My house phone also logged the call and is an answering machine. I have told the XXXX XXXX XXXX customer service people several times that this is a violation but their response was they are going by their company policy. I do n't think they care about consumer protection laws.

This has been going on since I purchased the vehicle almost 4 years ago. I get behind but I always catch up and for the most part I am usually only a week to 10 days late and I pay the late fee.

I think 1 call with a message would be sufficient but they see fit to continually harass me.
Product: Prepaid card

i received a {$250.00} American Express Virtual Gift Card last XXXX and i have tried to use it several times online, over the phone & in person ( for far smaller amounts than {$250.00} ) and every time it gets declined. i have called the XXXX customer service line for american express gift cards twice and explained the problem to try to find out what the problem is and they just keep telling me that the places i'm trying to use the card have it blocked because it's an 'unregistered " gift card and that AMEX has added protections on the card... .essentially they can't tell me why it's not working. i keep asking them why i can't use it where i would normally use my AMEX credit card and why major vendors like XXXX are rejecting this card and they just keep repeating that i should try the card at other vendors. no explanation at all. i googled it and found tons of other people with this same issue. i just called AMEX again and asked what i'm supposed to do if it keeps getting rejected? will they transfer the funds to a new 'registered ' gift card that will work? their response is that i should keep trying to use it at other stores. not helpful at all. so i have a {$250.00} gift card that is useless.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. This list of accounts has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Accounts name # XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX PA XXXX Accounts name # XXXX *** XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX PA XXXX Accounts name # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) Accounts name # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) Accounts name # XXXX XXXX ( Equifax XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX XXXX Accounts name # XXXX XXXX ( Equifax ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX XXXX XXXX section 602 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

1681 section 604 ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

1681 section 623 ( A ) Reporting information with actual knowledge of errors. 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

I DID NOT AUTHORIZE THESE INQUIRIES WHICH APPEAR ON MY CREDIT REPORT AND THESE ACCOUNTS ARE IN VIOLATION OF 18 U.S. CODE 1028A XXXX XXXX XXXX XXXX XXXX BANK XXXX AND XXXX  XXXX XXXX XXXX
Product: Debt collection

My wife was called by a blocked number and was told that We needed to call XXXX due to this person trying to serve lawsuit paperwork and it was returned. I was given an account number that appears to be fake. When I called, they said they were suing me for a US BANK account that I owed on. I replied with, '' I have never had a US Bank checking account ''. They then stated they had proof of me walking into a US Bank XXXX in XXXX of 2002 ( 2002 is not a type XXXX. I replied with, " even if I would have had an account over 19 years ago ... wouldn't the statute of limitations kick in seeing as this is the first time I have ever heard about it? The person on the other end of the phone stated, " There is no statute of limitations and we will sue you for all of your assets ''. They said they would see me in court and hung up the phone. 

I then called US Bank directly and asked if I had any delinquent accounts or if I had ever had a checking/savings account with them back in 2002 and the representative said, " No, we do not show you have had an account nor any delinquencies ''. 

I tried calling the XXXX back to see if I could get more information and they had me on hold for a while and then hung up on me.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

During my visit with XXXX XXXX XXXX XXXX XXXX in XXXX, OH 2021. I approached them about a dental service that was going to be out of pocket costing {$500.00}. At that time, the company was owned by both XXXX XXXX XXXX then sometime during 2021, both owners decided to part ways without my knowledge and any notification that the remaining balance will be sent to collections. Unfortunately, the company did not do proper due diligence by asking current patients to pay any outstanding debt before their split. My service was transitioned to XXXX XXXX group which I continued to work with but my debt was with XXXX who was never my dentist XXXX XXXX was my dentist ) - Now due to this action, the debt owed was sent to collections without any attempt to collect the unpaid money from the patient. 

I am disputing that my debt was never was supposed to be sent to collection because I was never asked to pay the remaining balance as I was still working with the dentist so I had every intention to pay. I am requesting the cancellation of this matter.
Product: Debt collection

XX/XX/XXXX credit card was used without my knowledge or permission, amount in dispute was {$4700.00} ... ..contacted the ccc, informed them of misuse, the card numbers were comprised..the card company wrote the charges off and my credit score suffered badly ... .forward to XX/XX/XXXX, in one week I receive three ( 3 )  letters from companies wanting payment ... .The companies are as follows : XXXX XXXX, XXXX XXXX Phone # XXXX -- -XXXX XXXX XXXX , XXXX, SC. phone # XXXX ... -- -- and Resurgent Capital Services, XXXX, SC -- phone # XXXX -- -- - The CCC wrote the charges off, and I suffered bad credit scores and now being asked to pay a wrote, discharged {$4700.00} ..a year later ... I can't believe this is lawful in any way ... ..harassment of senior citizens ....!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a Closed Charge-off XXXX  XXXX card on my credit file that does not belong to me and appears to be Fraud, I have contacted Experian several times to have the Closed Charge-off XXXX XXXX Fraud account disputed, investigated and removed,. Experian continues to deny and initiate a dispute or investigation for this Fraud account. Under the FCRA Experian must open an investigation and must dispute and remove any inaccurate or unverified information on ones credit file. I did not Open an account with XXXX XXXX or any one whom may be collecting on their behalf. I did not agree to any documents, i did not sign any agreement with XXXX XXXX, I did not give authorization to XXXX XXXX or any creditor to open an account in my name. Under the FCRA Experian must open an investigation and must dispute and remove any inaccurate or unverified information on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED USBK COURT XXXX CALIFORNIA Docket # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date Filed : XX/XX/XXXX Date Paid : XX/XX/XXXX Date Updated : XX/XX/XXXX Type : CHAPTER XXXX BANKRUPTCY DISCHARGED Responsibility : Individual Debt Court Type : Federal District Plaintiff Attorney : PRO SE Estimated month and year that this item will be removed : XX/XX/XXXX USBK COURT XXXX CALIFORNIA Docket # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND SOMEBODY ELSE I HAVE NEVER FILED FOR BANKRUPTCY PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX COUNTY # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND SOMEBODY ELSE PLEASE REMOVE IT OFF MY CREDIT REPORT
Product: Debt collection

A rep from this collection agency constantly called my cell phone on X/X/17.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed these accounts that are not mine and are inaccurate. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

I have attached the following : Driver 's License Current Utility Bill Social Security Card Theft Report
Product: Credit card or prepaid card

citi premier card and citi simplicity card both of these cards I usually make a minimum payment {$90.00} but because of covid-19 I genuinely missed these payments on the due dates and paid them late.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Dispute of Fraudulent Credit Information Due to Identity Theft **To Whom It May Concern : ** I am writing to formally dispute fraudulent information on my credit report under the protections provided by the Fair Credit Reporting Act ( FCRA ), specifically under Section 605B, which pertains to identity theft. 

I recently reviewed my credit report and identified the following account ( s ) that I did not open and believe to be a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are not mine, and I am not responsible for it. I am a victim of identity theft, and I request that this fraudulent information be blocked and removed from my credit report immediately as allowed under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). I have been incarcerated since XX/XX/XXXX Enclosed, you will find the following documents to support my claim of identity theft : 1. A copy of my government-issued ID. 
2. A completed Identity Theft Report ( a copy of the FTC Identity Theft Affidavit ). 
3. Sentencing papers as proof of my incarceration Please conduct a thorough investigation into this matter and remove the inaccurate information from my credit report. In accordance with the FCRA, I expect to receive a response within 15 days from the date of this letter. 

Thank you for your prompt attention to this matter. I look forward to your response confirming the removal of the fraudulent information from my credit file. 


Attachments - Copy of Government-issued ID - Identity Theft Report
Product: Credit reporting, credit repair services, or other personal consumer reports

A loan was taken out through XXXX XXXXTD fraudulently. I reported to TD bank immediately after receiving a letter saying my account was approved and my address was changed and to call if it wasn't me. Which I did. I explained I had not applied for or requested.The XXXX and XXXX accounts said they investigated and found the information accurate and updated. I have not taken out this loan this was identity theft using my information having goods sent to another address.I haven frozen all the crediting agencies and reported this as fraud to them and the fct and I would like this investigated.
Product: Checking or savings account

Good morning my name is XXXX XXXX and im here begging for some help on XXXX XXXX i had someone hack into my account and was able to reverse some transactions and also made some fraudulent checks and cashed out on XXXX leaving me on negative i called my bank ( chase ) right away as soon as i seen some notifications saying i was on negative on both checking and savings so i called right away and they put a temporary credit back but 3 days ago they came back negative again i called spoke to a supervisor and there telling me there was a pin used and that they couldny help me after i told them i been with them for over 5 years never have i had anything like this happen to me and I asked to review there cameras and they told me the case is close and theres nothing they can do about it and i asked them if thats how they protect our money and he told me he couldnt do nothing and so ive wanted to reach out and get help because i feel like this is so unfair that i have to go thru this and not getting no help.