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

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

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.. 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. 

Item Number Company Name Account Number Comments 1. XXXX XXXX XXXX XXXX {$850.00} 2. XXXX XXXX XXXX XXXX off {$210.00} 3. XXXX XXXX XXXX XXXX Paid closed/never late 4. XXXX XXXX XXXX Missed/late payments 5. XXXX XXXX XXXX XXXX {$990.00} open balance 6. XXXX XXXX XXXX XXXX {$3300.00} 7. XXXX XXXX XXXX XXXX XXXX {$550.00} Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX
Product: Checking or savings account

Earlier this year, I applied for two different products that CreditKarma promoted me as having " Outstanding Approval Odds, or we'll give you a {$50.00} payment if not approved. 

On XX/XX/2022, I received an email from CreditKarma regarding a {$100.00} incentive that I would received. CreditKarma had been promoting that if you apply for a credit card or loan where you had " Outstanding Approval Odds, '' you would receive a {$50.00} payment/bonus. 

For the last two months, I've been given the run around. See attached. For two months CreditKarma has told me that my case is being reviewed with the " Promotions '' team.

To date, I have received one, {$50.00} payment, but not the 2nd. In addition, that check indicated that it was for " Account Closure, '' which is a complete lie. In fact, my CreditKarma spend account is still open to this date.
Product: Debt or credit management

I am writing to report an incident of fraudulent activity perpetrated by XXXX, a telecommunications company. On XX/XX/2024 I discovered that a charge of {$440.00} had been placed on my credit file without my authorization. Upon investigation, it was revealed that XXXX was responsible for this unauthorized transaction. I called XXXX, and I was informed that they did not have any information on the file. I promptly contacted XXXX 's customer service to rectify the situation, but I encountered significant obstacles in resolving the issue. Despite providing evidence of the fraudulent charge and requesting its removal from my credit file, XXXX failed to take appropriate action. As a consumer, I am deeply concerned about the security of my personal information and the integrity of financial transactions. This incident has not only caused financial XXXX but also eroded my trust in XXXX as a service provider. I urge the Federal Trade Commission to investigate this matter thoroughly and take necessary actions to hold XXXX accountable for its negligence and fraudulent practices. Additionally, I request assistance in expediting the removal of the unauthorized charge from my credit file and restoring my financial security. Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX on XXXX credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 the victim of identity theft and I dont recognize one or more of the accounts on my report. Also I am a victim of data breaches. I did not authorize or conduct an inquiry for the above company. Please investigate and remove. FTC REPORT # : Report number : XXXX, Report XXXX XXXX, Report NumberXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Pursuant to 15 USC 1681a ( 2 ) ( B ) Anything with my credit card which defined in TILA is my SSN should be excluded from my consumer report. This is hurting my lively hood and I cant apply for anything. I am demanding that you remove this account from my consumer report In Pursuant to 15 usc 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include. ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Furthermore they used misleading means to attempt to collect an alleged debt, In pursuant to to 15 usc 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

Ceast & desist Re : Notice to Cease and Desist To Whom it May Concern ; NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is in reference to the Consumer Report sent by your Company via mail dated XX/XX/2022. 
While checking the above report, it came to my notice that your Company has furnished an account on my report. 

In pursuant to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums.

Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately.

This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ).

If you do not cease communication a lawsuit will be commenced against you.

Thank you for your cooperation Sincerely, XXXX XXXX XXXX  Beneficiary ALL RIGHTS RESERVED
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am reaching out to express my concerns regarding inaccuracies in my consumer report maintained by CFPB, which are adversely affecting my ability to move forward financially. These inaccuracies are not only a misrepresentation of my financial standing but also potentially violate consumer reporting and privacy laws. 

Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), consumer reporting agencies are obligated to ensure the accuracy and fairness of the information in their reports, given its significant impact on consumers lives. This law provides me with the right to dispute inaccurate information in my report and requires that such disputes be investigated and corrected or removed promptly. 

Moreover, the FCRA outlines consumers rights to be informed of any adverse action taken against them based on their consumer report, including the specific details and sources of the information that led to the adverse action. This is critical for consumers like myself, who are hindered by inaccuracies from engaging in financial opportunities, securing loans, or obtaining reasonable interest rates. 

Given these concerns, I hereby request : XXXX. An immediate, detailed disclosure of all information CFPB holds about me, as is my right under the FCRA. 
XXXX. A prompt investigation into the inaccuracies I have identified within my consumer report, particularly those negatively impacting my financial opportunities. 
XXXX. The correction of inaccuracies or the removal of any information that can not be verified as accurate, in compliance with the FCRA. 
XXXX. Removal of any information obtained or processed in violation of my privacy rights or applicable laws. 
XXXX. Written confirmation of the steps CFPB has taken to address my concerns, including a detailed account of any information corrected or removed from my report. 

It is essential that CFPB takes immediate action to correct these inaccuracies to not only comply with legal obligations but to also mitigate the significant impact these errors have on my financial well-being. The FCRA mandates that consumer reporting agencies must complete an investigation of disputed information within 30 days, ensuring timely corrections are made. 

I appreciate your prompt attention to this critical matter and expect a response within the legal timeframe specified by the FCRA. Failure to adequately address these issues may compel me to seek further legal remedies to protect my interests and ensure compliance with consumer protection laws. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

It was made clear to the cashier, that I did not want a department store card. Nordstrom Rack cashier confirmed verbally twice on XX/XX/19 that I was applying for a credit card where it can be used at any retail center. The cashier even gave me the credit card agreement documents. I did not want a card where I can only use at one store. Unfortunately, I received a Nordstrom store card in the mail.
Product: Credit card

This is regarding Case number : XXXX which is still open. At the end of the month of XX/XX/2016 Best Buy CBNA, PO Box XXXX, XXXX, SD XXXX reported I filed Chapter 7 bankruptcy on account numbers XXXX and XXXX. I DID NOT FILE BANKRUPTCY. My credit score dropped 49 points. I spent countless hours on the phone with Best Buy credit department asking them to remove this erroneous information and re-open my account. They finally re-opened near the middle of XXXX, just in time for me to make a payment and my credit score went up 45 points. 
Then on XX/XX/2016 they reported I filed Chapter 7 bankruptcy again! I DID NOT FILE BANKRUPTCY. Again, I spent countless hours on the phone with the credit card department and my credit score went down 45 points. Because this happened again, I filed a dispute with XXXX ; I filed a complaint with the Better Business Bureau ; I filed a complaint with the North Carolina Attorney General ; and I filed this complaint. 
On XX/XX/2016, Best Buy re-opened my account and made payments on both accounts which were due on XX/XX/2016. This was the earliest I could make the payment because I had no access to my account because they closed it again due to a bankruptcy I DID NOT FILE. 
On XX/XX/2016 Best Buy Credit card reported delinquent payments but the accounts are not mine ( see attached ). My credit score dropped 4 points. I have reason to believe that someone with my same first and last name has filed bankruptcy and has not made a payment. I submitted a dispute online to XXXX. Every month I am having to spend hours on the phone with their credit department, file disputes and complaints. I need help! I ca n't refinance my car. I ca n't apply for a mortgage. All because someone within the Best Buy finance department or wherever this information comes from is not accurately checking the right person and account number. This is slowly ruining my credit which I was trying to get back on track. Please help!
Product: Debt collection

WAKEFIELD AND ASSOCIATES CONTACTED ME MULTIPLE TIMES in or around middle of XX/XX/year> at inconvenient hours & claimed I owe debt they obtained illegally. I expressed to them the violations committed, such as XXXX privacy, unauthorized accusations of personal property and demanded them to cease & desist. Approximately XXXX  month later I notice the collections section on my credit report for XXXX $
Product: Debt collection

XXXX from API XXXX has called my relatives and friends using information obtained outside of information I gave to the original creditor for a personal loan. XXXX impersonated an attorney from a Legal department representing her " Client '' when in fact API owns the debt. She referred to a " case '' and provided a " case number '' and threatened to take legal action by Friday of this week in XXXX county. I have a recording of the voicemail. When I called her back, she original claimed to be a " mediator '' ( which is a court official ) and then gave up on that claim and offered a settlement with API, her employer. The phone number she gave was ( XXXX ) XXXX ext XXXX. Please investigate this unscrupulous company. There are so many complaints online.
Product: Debt collection

Please provide Validation of Debt, Assignment of Debt, Method of Verification used. I will also send this request through the CFPB as I did not receive a notice in the mail to dispute this debt. 

THE BUREAUS INC # XXXX
Product: Debt collection

I found a collection account on my credit report from Waypoint Resor e Group for a small debt that was originally from XXXX and paid previously. 

I did not receive written notice of the debt, no phone calls and was not aware of the debt until checking my cre cfc it report before applying for a Carl loan I contacted the company who claimed they have sent several letters and and called many times. There have been no letters, phone calls. Voice mails, nothing except a collection account on my credit report. 

I paid the minimal amount. XXXX and was told that they wouldnt remove it from credit report and could take weeks to even update. 

Upon doing a XXXX search for this company, there are many online reviews of Waypoint Resources not complying with fair debt collection practices. The most common is consumers finding out about the collection account by checking their credit report.
Product: Credit reporting

There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with 100 % legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : XXXX XXXX Special Docket # : XXXX Plaintiff : XXXX Balance : {$890.00} XXXX Docket # : XXXX Plaintiff : XXXX Balance : {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe the reporting credit bureaus are in violation XXXX XXXX And TransUnion stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -Chapter XXXX Bankruptcy Case Number : XXXX -Chapter XXXX Bankruptcy Case Number : XXXX -Chapter XXXX Bankruptcy Case Number : XXXX -Chapter XXXX Bankruptcy Case Number : XXXX -Chapter XXXX Bankruptcy Case Number : XXXX -Chapter XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b
Product: Payday loan, title loan, or personal loan

I don't believe this lender is licensed to lend in Minnesota. I took out a {$300.00} loan and the finance charge on this loan is {$670.00}. They will not honor my ACH revocation that keeps debiting my account. They say that MN law doesn't apply to them because they are using the tribal lender excuse. I believe this lender is illegal.
Product: Debt collection

Cavalry Portfolio Service A collection account has been misreported on my credit reports XXXX, XXXX XXXX, and XXXX Ive disputed all three credit bureaus certified mail XX/XX/XXXX, XX/XX/XXXX in response Cavalry SPV I , LLC sent a response on XX/XX/XXXX with the enclosed verification of your debt I requested for verification, I ve requested this company to provide me with my original signatures and proof my agreement was with their company, instead Cavalry SPV I , LLC, sent copies of a statement, which verifies or validate nothing. I demanded this company on XX/XX/XXXX via certified mail again to provide me with physical proof of contract with signatures : Company responded to me on XX/XX/XXXX In acknowledgement of the dispute we have requested that consumer agencies report the account as disputed. Company also sent on XX/XX/XXXX stating they received my claim of possible identity theft. Ive never sent any letter of claim to Cavalry SPV I , LLC stating identity theft. I ask for validation/verification which they have reported to all the three major credit bureaus and all they have provided me is with copies of statements. Ive requested removal from all credit reporting copies if they are unable to provide me copies with original signatures I owe their company and verifiable proof. However this information still remains on three of my credit report files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to handle this matter via multiple communications of disputes, i.e., phone, letters, dispute resolution center, and CFPB. These attempts have been frustrating and mentally draining, not to mention financially damaging. The failure to provide an appropriate lawful and legal response will only have me seek further action. I asked that you respond no later than 10 calendar days ; if not, I will see this as Experian agreeing to the alleged debt is not valid. I also require that your response not be one of verified or been verified I asked that you verify, validate, and show legal and lawful documentation stating or showing I am LEGALLY obligated or responsible to pay these alleged debts. Just stating verified and been verified are not lawful or legal responses. Please delete the following INSTANTLY from report # XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX ( reporting two potentially negative months ), XXXX XXXX ( reporting 72 potentially negative months )
Product: Mortgage

I have had an ongoing dispute with Quicken mortgage concerning unreasonable late fees, add on costs, and escrow payment disputes. Now this company is threatening foreclosure even though my latest mortgage payment was recorded in a fashion. My current complaint id is XXXX i want this company to quit harassing me, they threatened to ruin my credit and they already performed that action with XXXXXXXX XXXX  which has severly threatened my credit rating!
Product: Credit reporting or other personal consumer reports

1. Conduct a thorough investigation into the reported inaccuracies for all accounts listed 1.Identity Theft. 
XXXX XXXX XXXX Account XXXX My parent has the same name as me. 
XXXX Theft. 
XXXX XXXX XXXX Account XXXX Please remove inaccurate reported late payments update to paid as agreed 3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please Update all payment, all pay was made on time.

4.Identity Theft. 
XXXX XXXX XXXX XXXX Account XXXX Please removed from my public record 5.Identity Theft. 
XXXX XXXX Account XXXX i dont recall having latepayment on this account XXXX. Identity Theft. 
XXXX XXXX XXXX Account XXXX Please supply information on how you have verified this item. 
XXXX. Validate Account XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX 8.Identity Theft.

XXXX XXXX XXXX Account XXXX I need to see al bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment XXXX. Identity Theft. 
XXXX XXXX XXXX Account XXXX Please investigate and delete from my credit report.

10.Identity Theft. 
XXXX XXXX Account Number : **** This is not mine. I am a victim of ID Theft and I have included a police report.

Please investigate and remove from my credit report.

11.Identity Theft. 
XXXX XXXX XXXX