23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am the victim of a sophisticated fraud perpetrated by my ex wife XXXX XXXX against me over the life of our marriage. I have consulted with local authorities and with legal counsel, and I have been advised that my rights under the consumer protection statutes at both federal and state level are applicable here. However, after notifying Midland Funding of the fraud discovered, they allegedly conducted an investigation and decided to ignore my rights under the law that protect victims of Identity Theft. I understand that the circumstances are not your cookie cutter, cut and dry identity theft - however if you look at the totality of the situation- I never benefitted, authorized, or was aware of any of these accounts opened, maintained, and used in my name. My signature was forged, in every single instance that the cards were used. Payments were made from an account not under my name. The forgery and deceit is of the highest level, and I have stated numerous times that I am willing to cooperate with and assist with any prosecution for forgery, fraud, and ID theft charges that should be levied on XXXX. 

Pursuant to the guidance issued by the CFPB and The Federal Trade Commission, I have included my law enforcement report and my notarized Fraud Affidavit in this complaint. This ID theft report has been provided to all my creditors, however Midland is choosing to ignore the facts and reach a conclusion against me, the victim of a sophisticated Fraud.

Midland has been provided with a legal notice summarized here : " Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). '' They have failed to abide by those requirements and more, and therefore leave me no choice but to pursue assistance from the CFPB in order to resolve this fraudulent debt against me.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" 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. '' XXXX, Transunion and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( XXXX ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Credit reporting

I have been trying for over 2 months now to remove a Collections Account which Experian says is mine. I have never lived at XXXX XXXX in XXXX, NJ. 
I have tried to call them and they refuse to remove it I have never lived there nor have I ever applied to rent an Apartment there. 
Please remove this item as I am trying to buy my first home, and I have never had any issues with the other credit reporting agencies, they have removed this item which XXXX is showing that I owe, which I do NOT, since I have NEVER lived there. They are also refusing to remove a false last names which I have NEVER used. I have NEVER used any other last name, except my own-XXXX. 
Thank You for your help in this matter. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX on XX/XX/2023 to exercise my right to opt out of the disclosure of my non-public personal information to all third parties including consumer reporting agencies, XXXX, Experian, XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX. 
Per 15 U.S.C. 6802. 
I have not gotten a response from this company and they continue to report my personal information to third parties.
Product: Debt collection

I have disputed this item with the credit bureau several times. This continues to be reported on my credit. This is not my debt and needs to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already contacted company by submitting a certified letter to each company and as of yet have not heard anything back, and I want these hard inquiries removed immediately. 


XXXX XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX/XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX hard inquiry XX/XX/XXXX -, XXXX   XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX XXXX, hard inquiry XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXXXXXX ; XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX , XX/XX/XXXX XXXX ; XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX Experian XXXX, auto hard inquiry XX/XX/XXXX - XXXX ; XX/XX/XXXX, XX/XX/XXXX - Experian All of these companies sent a certified letter of dispute XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number : XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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: Debt collection

I called XXXX XXXX XXXX  someone answered and said it was the wrong office and transferred me. When the person picked up sounded like they were caught off guard. I proceed to explain I saw this debt on my credit report and I wanted proof because I never received it. He took my name and social and told me an amount of {$1.00} less than I saw, told him that then he placed me on hold and never came back.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i have to late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following date ( XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account : 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 opened a usaa performance first savings account with XXXX dollars onXXXX. on XXXX XXXX dollars was fraud transfered back to my checking account. i did nor authorize this. this special account was supposed to have XXXX fraud protection. that is how usaa advertised this account. the bank refuses to refund my money and will nor respond to the savings account.
Product: Credit card

Details of the Issue : I am filing this complaint against Comenity Capital Bank due to improper account handling, unfair negative reporting to credit bureaus, and ongoing harassment regarding an alleged balance that I do not owe. The situation has caused significant damage to my credit score ( a XXXX drop ) and undue stress. 

Here is a summary of the events : Account Opening and Usage : I opened a XXXX credit card with Comenity Capital Bank in XXXX. I always set my credit cards to autopay the full balance to avoid any interest or missed payments. I used the card regularly and made on-time payments without issue. 

Negative Balance and Account Closure : In XXXX, I made a purchase on this credit card, which I later returned. The autopay feature had already paid the balance, so the return caused a negative balance of - {$28.00} on my account. Comenity eventually sent me a check for {$28.00} as a refund and informed me that my account was being closed due to inactivity. 
The check they issued was valid for 180 days, but due to personal circumstances during the peak of the COVID-19 pandemic, I was unable to cash it within the allotted time frame. 

Check Reissuance in XXXX : In the summer of XXXX, I received a call

from Comenity stating that they were holding funds owed to me. They asked for my address to send a new check, which I provided. I received and deposited the {$30.00} check into my account shortly thereafter.

Improper Charges and Credit Reporting : Approximately one to two months later, I started receiving calls from Comenity Bank claiming that I had an outstanding balance on my closed account, along with late fees that had accrued. They demanded payment of {$230.00}, which I do not owe. 
Without justification, Comenity also reported this alleged balance to the credit bureaus, which resulted in a XXXX drop to my credit score. This has caused me significant financial and emotional distress. 

Attempts to Resolve : I have attempted to contact Comenitys customer service to resolve this issue. However, when I call their consumer care line, they disconnect the call before I can even explain my situation. This lack of responsiveness has left me unable to address the issue directly with the bank.
Product: Debt collection

American Credit Acceptance {$19000.00} opened on XX/XX/year>, I asked XXXX to send over the original contract for the validity of the account and asked that this information be removed off of my credit profile due because I there are some errors on this account.
Product: Debt collection

Sections 623 ( a ) and 809 ( b ) of the FCRA have been violated. Original debt instrument with wet signature can not be provided. Copies of said instrument are assumed frivolous. Federal evidence procedure XXXX must be followed when validating debt. FDCPA doesnt cover this debt. Furthermore Company has shared my information without my consent to third party/sister companies.
Product: Debt collection

AFNI, Inc. added an account to my credit files and when I sent a debt validation letter, all they sent me was a bill from the original creditorXXXX. This is not proper validation per the FCRA and FDCPA laws, which state that validation requires presentment of the account history and general ledger/statements and copy of each agreement/contract signed and dated by the parties ( collectors and CRA ) responsible for maintaining the complete account history.
Product: Checking or savings account

Last year around XX/XX/2020 Bank of the West closed my account closed my account without notifying me. There were some bank fees that were accrued and the sent that to collections, causing a negative mark on my credit report. They should have done notified me of the account getting closed.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XX/XX/2025
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed this dispute report before and i have been trying to contact transunion for over XXXX weeks now and its getting out of hand. i have another account i have to dispute but it would only let me select XXXX. i have filed a complaint to the cfpb to see where this goes. i am in the process of purchasing a home and this is the last step i need. XXXX  and XXXX where a breeze compared to transunion. i filed the same complaint today to see how long it takes them to answer. everytime i use there chatbot or try to call over the phone they leave me hanging. i once was in a coversation with the chat bot for over XXXX hours and didt get a hold of no one.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

Bank of America, is reporting INACCURACIES on a closed/charge off account. I've disputed this account with XXXX XXXX, XXXX and XXXX for months. XXXX XXXX DELETED this inaccurate account. However XXXX and XXXX continue to post this account and respond as VERIFIED. Bank of America is currently reporting activities well after the CLOSED/CHARGE OFF date XX/XX/2017. Which is a VIOLATION of FCRA. 

These are the INACCURACIES reporting : 1. Past due reporting on a CLOSED account. 
2. Credit limit reporting $ xxxx on a CLOSED account. 
3. Posting a balance $ x, xxx 4. XXXX : different account # xxxxxx XXXX : different account # xxxxxxxxxxxxxxxx 5. Reporting inaccurate balance. NO VOD. 
6. I did NOT receive a response to my dispute within 30 days time line, from XXXX or XXXX. Response receive more than 45 days.
Product: Credit reporting or other personal consumer reports

These inquiries do not belong to me, and I have no relationship with the listed creditors. I urgently request that they be taken off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to inform the Credit Bureaus that I was a victim of identity theft and I complain to question specific accounts in my document coming about because of the wrongdoing. The last letter I sent to Experian was XX/XX/XXXX. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. The Experian Credit Bureau took no action in order to remove the fraudulent accounts from my credit file and became non-compliant of the FCRA section 605b. Experian continued reporting these accounts without conducting proper verification which in many ways is a violation of the Federal Law : the Fair Credit Reporting Act. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to the Theft of my Identity. I am submitting this complaint so that Experian would take action and remove the following accounts completely from my Credit report : ( XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX account # XXXX is Paid-in-Full and Closed. However, Equifax CRA and XXXX CRA continue to incorrectly report as Open.
Product: Debt collection

I contacted Amerassist on XX/XX/2020 by certified mail requesting they give verification of the debt and that I had given authority for them to have my information from the medical provider. They received my notice of request on that date at XXXX XXXX  via certified number XXXX. To this very day I have not received anything from them yet they are continuing to make collection attempts, even reporting this information to the credit reporting agencies which is damaging my credit. Not only that despite having received my request, they continue to update this information monthly and did not notate the account as being disputed.
Product: Student loan

I have a Nelnet student loan. I am XXXX years, in very poor health requiring XXXX of XXXX  XXXX hours a day. I am retired, but can not afford repayment. I have tried to file a XXXX discharge request. They require XXXX certification through social security, the military or XXXX XXXX . I do not qualify to file with SS or the military. My dr. and insurance company will not certify lack of ability to work ( XXXX ). Nelnet tells me this has been a problem always. 
Without being able to file in order to try to discharge my loan, I have trouble paying.. My medical bills are very high -- thousands of dollars a year. Nelnet wants to refigure the repayment based on regular expenses. I also have responsibility for some of my grandchildren 's care which they do not allow. I guess I should just let them go without books etc.. 
If I begin repayment, I will be repaying for the rest of my life. While I do not expect to live too much longer, I would love to work this out.
Product: Checking or savings account

They do me fraud in my bank account someone called me to offered me a loan and he enter to my account and do reverse in some payments that I made in the past without my authorization then he promised me that I got my loan and they told me to take all that money out from my account snd buy some money cards and gift cards and when I saw he used all in the same day when I sent all the info of the cards that I buy snd told me that the loan money is going to be deposit by midnight but I didnt see no money in my account I cal this Guy in the morning and told me that they have to use all the cards to deposit the loan I complained and hung up I went to the bank to report snd they do all the adjustments and send money bank to the reverse of my payments but all that money I have to put it back in simple words I was victim of scam and they stole my money and my checking account is overdraft is almost XXXX dollars and I dont have the money to put it back and thats why my checking account is overdraft
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX mortgage account on my credit report is still showing open with a balance. account was closed and transferred to another lender which is XXXX. XXXX account is reporting as correct and accurate. The XXXX / XXXX mortgage account is negatively affecting my debt to income ratio since account is still showing as open. Please update as closed or remove from my credit report. Account was disputed online with equifax confirmation number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reported that my personal address is wrong to Experian and they have failed to correct it. They have only responded that the addresses is correct and it is not correct. I have placed a fraud alert on my account because of the credit bureau leak. I have lived at my current addresss for XXXX years. I need any other address removed. 

Please remove these address, they are not my personal address. 
XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX DE XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX My current personal address for XXXX years now is XXXX XXXX XXXX XXXX XXXX, NJ XXXX Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate information about the payment history associated with this account on all 3 credit bureaus. The information is inaccurate for the years of XXXX, XXXX, XXXX, and XXXX on all 3 bureaus. This company is in violation of FCRA XXXX in that information must be reported to all bureaus accurately. Clearly they have violated this FCRA623aB. Attached are the inaccurate information reported to each bureau and also a letter that states that this information must be removed due to violation of FCRA623aB.