23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company, AFNI , Inc., has added a collection to my credit report. I have disputed this account with this company in the past after they added this identical account to my credit report a few years ago. I have explained that this account was a result of identity theft, filed a claim of identity theft with the FTC in the past and added an alert to my social security number after this incident occurred. The account was then removed but the creditor has again added it to my credit report.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Report Information Violation of 15 U.S. Code 1681o To Whom It May Concern, I am formally disputing inaccurate and misleading information on my credit report, which Experian has failed to correct despite previous disputes. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, Experian is liable for negligent noncompliance with federal credit reporting laws. Your continued failure to investigate and correct these errors constitutes a violation of my rights. 



The following information on my credit report is inaccurate : Incorrect Names : XXXX XXXX, Fraudulent Accts : XXXX acct # XXXX Opened XX/XX/XXXX Balance {$820.00} Fraudulent Accts : XXXX acct # XXXX Opened XX/XX/XXXX balance {$390.00} Fraudulent Accts : XXXX XXXX acct # XXXX Opened XX/XX/XXXX balance {$0.00} Fraudulent Accts : XXXX acct XXXX XXXX Opened XX/XX/XXXX balance {$100.00} Fraudulent Accts : XXXX acct XXXX XXXX Opened XX/XX/XXXX XXXX {$240.00} XXXXXXXX acct # XXXX Opened XX/XX/XXXX balance {$100.00} Fraud Adresses : XXXX XXXX XXXX AV XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Fraud Employers : XXXX XXXX Fraud Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have enclosed copies of my previous dispute letters, supporting documentation, and a copy of my credit report with the inaccurate items highlighted. I request that you immediately investigate and correct these errors as required by law. 

Under 15 U.S. Code 1681o, if Experian continues to negligently maintain inaccurate information on my credit file, I have the right to seek damages, including actual damages and attorney fees. I urge you to resolve this matter promptly to avoid further legal consequences.

l expect a written response confirming your investigation and any corrections made within 30 days of receiving this letter, as required by law. If Experian fails to take appropriate action, l will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General 's office. I may also pursue legal action to recover damages. 

Please confirm receipt of this dispute and provide written documentation of the steps you are taking to resolve these inaccuracies. You may contact me at the information provided above should you need further details. 



Sincerely, XXXX XXXX Enclosures : Copy of ID Copies of Utility bill Supporting documentation
Product: Debt or credit management

I used a debt consolidation company from an advertisement that I got in the mail to reduce my credit card debt named " Freedom Debt Relief ''. 

I paid them {$2800.00}. They charged me more in FEES ( {$1400.00} ) then actual reduction in my debt ( {$1400.00} ). I cancelled my account with them on XX/XX/XXXX after starting on XX/XX/XXXX. 

They charged me {$1300.00} in XXXX legal fees in the amount of {$960.00} ( XX/XX/XXXX ) and {$370.00} ( XX/XX/XXXX ). They were " Settlement Fees '' which I DID NOT agree to before the charges. I found out only after the payment plan was settled. 

In addition to the {$1300.00} in legal fees, they charged me a total of {$100.00} in monthly fees ( which I was never informed of when I signed up to their program ). After 8 months of being ripped off, I cancelled.
Product: Credit card or prepaid card

They block messages comunication way This messages communication way is totally ok wayto contact them. This is in the agreement Apple card is working in a very suspicious way when i reported I lost my card they requested full payment and block my card then they sent me a message telling they cancel my card and still charging me for unauthorized transactions
Product: Credit reporting or other personal consumer reports

So I have been a victim of fraud before. After taking a look into my credit report with my advisor I have seen more accounts on my report that I know wasnt me. There were XXXX credit card accounts and XXXX inquiries that I dont recognize. The credit cards were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THS IS NOT A DULICATE COMPALINT. m writing this complaint to to address I.Q Data international inc to collect an alleged debt owed by me. This company has obtained my personal identification under false pretenses. I received a XXXX complaint that this account would be removed within 30 days. it has been over 90 days. this debt is damaging my credit report. IQ DATA INTERNATIONAL INC is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.IQ DATA INTERNATIONAL has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b.Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Product: Debt collection

I just recently checked my credit report which has not had collections on it, and apparently a collections account was produced in XX/XX/year> for a balance of XXXX from Conserve Collections. I have received no personal mail, email, phone calls, or any other method of contact from this collector. Nor the alleged original creditor. I have not been informed of the debt let alone of any right to dispute, rather, punitively, this has been placed on my report. I have filed a dispute with credit reporting agencies. I have not directly contacted conserve as a XXXX XXXX search demonstrates their incredibly hostile and malicious behaviors against consumers regarding any collections account including request for verification. The fact that there is an account in my name that I have never once been informed of violates my technical rights to debt awareness. The additional context that is that Conserve has a track record of belligerency towards consumers is demonstrative of a need for regulation, and strict scrutiny of their reports at large. I would like to launch an inquiry into this specific instance regarding Conserves legal burden to communicate, and validate debt properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Signed up for Transunions website, which asked for CC info, they then charged me {$25.00} for a reoccuring plan that I can not cancel or find any contact info to have the charge reversed and canceled.
Product: Debt collection

On or about XX/XX/XXXX I received or otherwise became aware of a collection notice sent to me by Portfolio Recovery Services I responded with a letter requesting validation of the debt. However, I did not send this information with a return receipt request. On XX/XX/XXXX I contacted the Portfolio Recovery Associates Ombudsman via email and requested validation of debt and also provided the standards for validation for the State of Texas. The PRA Ombudsman responded with a statement that provided none of the validation information required by the Texas statute. I responded to the statement and expressed that the information provided did not meet the standard for validation in the State of Texas. This information was provided to the credit reporting agencies and the Texas Attorney General but no action was taken by any of the agencies. I filed several disputes in the interim still no action to remove this account. 

Recently I received an answer to my validation request dated XX/XX/XXXX, pretty close to a full year after my request. The Texas XXXX XXXX requires that the collection agency respond with all of the information required in the debt validation list within XXXX days, otherwise, as stated in the statute the validation is incomplete. Additionally, the validation does meet the time constraints for validation in the Texas XXXX XXXX. 

Attachment 1 shows the original response from the Portfolio Recovery Associates ombudsman. Attachment 2 shows the response from Portfolio Recovery Associates that is incomplete. As required by the Texas statute the response is incomplete. The response does not include information regarding the surety bond for Portfolio, in other words I have no idea whether or not they can legally collect debts in the state of Texas. Also, the response does not include the date of last activity on the account. This is important because I need to know whether or not the account is still within the statute of limitations in the state that the debt is being collected.
Product: Credit reporting or other personal consumer reports

I have had this XXXX XXXX XXXX XXXX  since XX/XX/XXXX  ... ..And nothing is being reported to any of the three credit bureau 's ...
Product: Credit reporting or other personal consumer reports

XXXX TranUnion and XXXX to Remove listed Inquires. 
And produce P.O.A and Informed Them That the name XXXX XXXX XXXX and any variation of the name is attached to a Registerd Security Agrement
Product: Mortgage

I write my complaint through the Consumer Financial Protection Bureau as a last step to see if the insanity can cease the insanity pertaining to my home foreclosure. The documents attached show that I have been active in both federal and state courts trying to justify why XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX can not agree to a loan modification with principal reduction. The original foreclosure dating back to XXXX was eventually set aside, but XXXX XXXX XXXX XXXX refiled a new XXXX XXXX XX/XX/XXXX to start an unnecessary foreclosure action all over again. I am still capable of filing a bankruptcy petition to save my home. However, XXXX XXXX XXXX XXXX has refused to respond to the modification package I submitted XX/XX/XXXX. I believe that I am being highly discriminated against as a member of the XXXX Community, and I desire to have the Federal Deposit Insurance Corporation take a look at my file completely. The fact that I had a full modification package submitted before the new XXXX XXXX was filed is a violation of my rights under the Fair Debt Collection Practices Act amended version of XX/XX/XXXX. XXXX prepared a BOP in XXXX of XXXX in preparation of a principal reduction. So why all of a sudden must I be placed in a foreclosure defense again. A copy of this complaint will be submitted to the attorney on record XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, New York XXXX ( XXXX ) XXXX.
Product: Checking or savings account

.Earlier today, I received a call from the number XXXX, claiming to be from the Citibank Fraud Department XXXX The caller informed me that there were two charges made in XXXX, Wisconsin, totaling {$800.00} and {$200.00}. I explained that these charges were not made by me, as I did not have sufficient funds in my account. Despite the caller 's attempts to obtain my personal information, I refrained from sharing any details, having already been a victim of fraud in the past.
Product: Debt collection

I requested itemized receipts / bill of the entire due amount but as of today, did not receive it. Could you please send me these documents to my mailing address? I only received an account XXXX but have not received any other bills or notice.
Product: Checking or savings account

Capital one froze my account with no explanation. They will not help me on the phone and only send me to a voice mail that never returns my call. My mortgage payment is in there and all the money I have to live on. My husband can't get to work because he has no gas. I have XXXX kids and Ive had to sell things to be able to buy rice and beans to feed them. I got an email saying my money would be transferred in XXXX days but it has been 11 days and no one can help me or answer my questions. I don't know what the problem is other than I noticed some charges that were not mine. Im begging you to help. My mortgage is going to go into foreclosure They are holding onto about {$2500.00} of my money and that is a huge amount of money to my family.
Product: Credit reporting or other personal consumer reports

This is my OTHER 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 XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$100.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several incorrect accts/ items showing up on my credit report I've reached out to all 3 credit bureaus over that past year trying to get this issue resolved.I even placed fraud alerts on my accounts and I've also sent in my police report to XXXX. I have stated and put in writing that the following items on my credit report do not belong to me and I was a victim of identity theft. 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX, XXXX and Equifax. XXXX XXXX ( XXXX and XXXX. XXXX XXXX ( XXXX and Equifax. XXXX XXXX XXXX ( Equifax ) XXXX ( XXXX AND XXXX ) XXXX XXXX XXXX XXXX  ( XXXX and XXXX. I've tried to resolve this issue over and over and nothing is being done. I'd like these items removed from my account immediately.
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX was included in my identity theft Affidavit XXXX Equifax and XXXX sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. I have repeatedly asked that they remove this from my report This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. 

And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) 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 reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. My date of birth is XX/XX/XXXX and my Social Security Number is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove this fraudulent account. While checking my credit report, I noticed account, I did not authorize was made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts and addresses be immediately removed from my credit file that Equifax has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. 
FROUDULENT COLLECTION ACCOUNT! 
XXXX XXXX  Balance : {$1000.00} Balance updated : XX/XX/XXXX Original balance : {$1000.00} Account number : XXXX Date opened : XX/XX/XXXX Account type : Open Account Status : - Status updated : XX/XX/XXXX 2024
Product: Bank account or service

I made a deposit to cover a withdrawal in XXXX XXXX. My account was withdrawn on XXXX XXXX. I received a XXXX overdraft fee. I called to have the fee removed and was told it was going to be forwarded to a local branch for review. I was advised to pay the overdraft free because they charge a fee for being overdrawn and I will continue to be charged fees while they complete my review. I asked to close my account and she was not able to do that either. Stated I needed to go into a local branch. The company is making it hard on consumers in order to continue to charge fees
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX  Account # XXXXXXXX XXXX XXXX # 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
Product: Checking or savings account

I lost my phone in XXXX XXXXXXXX, & it had to be unlocked because my password to my phone is not known by a random person ofc. hours later i find my phone & a chime transfer made of {$700.00}. I had no knowledge of the transfer whatsoever, so i did what any person would do & called chime to TRY & HOPEFULLY resolve the issue .. they said it would take up to 7-10 business days to resolve but i get an email 2 or so hrs later saying that based on what i told them, im not eligible for a refund which doesnt make any sense to me. This money that was stolen from me was financial aid money.. very important, I just want a fair opportunity & a chance to receive my funds back please.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX & XXXX Account Number : XXXX Delete this account. 

2. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Ive notice someone had spent about {$600.00} on my credit card, that lead up to a bunch of late fees. I didnt feel comfortable keeping my card opened so i closed my card and was still responsible for the charges. please remove this account from my teport it is hurting my ability to obtain credit.
Product: Money transfer, virtual currency, or money service

I found several unrecognized payments from my saving account on Chase bank. I immediately call my bank when I found out this problem because I think thats a fraud, I called the bank customer service last XXXX  ( XX/XX/2023 ). They said will send me a result by email in XXXX days. But I called them again today ( XX/XX/2023 ). Then they said can not guarantee that how long I need to wait. I called them 3 times but still no any updates, just let me wait.