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

I am XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 on XX/XX/XXXX under the account number ( private ), credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a credit card account opened at XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as 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, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, XXXX reported several late payments marked as past due on several accounts reporting on consumer 's XXXX account. One of the accounts is JPMCB ( XXXX ). Its reflecting late payments for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I've already contacted JP Morgan Chase Auto ( JPMCB ) in regards to the late payments, in which I submitted a good will complaint via phone to JP Morgan Chase Auto to update the accuracy of the account, and to update the late payments to reflect paid on time. JP Morgan Chase Auto refunded consumer of all late fees, but the account still has not been updated to reflect accurate and " PAID ON TIME ''. This inaccuracy is affecting consumer 's credit worthiness and fairness of reporting per FDCPA and FCRA standards of reporting and accuracy. XXXX is obligated to report compliantly and to 100 % truth, correctness, completeness, timeliness, and documented irrefutable proof of ownership and responsibility of any allegations of adverse aspects to an account or of a derogatory account in and of itself. XXXX knows an account CAN NOT report XXXX days prior to 30. I have already informed XXXX that there is inaccurate reporting on THIS ACCOUNT. The other inaccurate account that's reporting on consumer 's report is XXXX ( XXXX ). This account is reporting inaccurate, consumer reached out to XXXX in regards to the inaccuracies of late payments being reported for XX/XX/XXXX, this XXXX account has always been in deferment, so there should never be any late payments reflecting on consumer 's credit history for any and all XXXX accounts. Per the metro 2 data formatted standards of legal reporting of consumer accounts and profile history and per the Fair Credit reporting act, namely section 609 a1A, it is in CLARITY that XXXX is MANDATED to retain COMPLIANCE at all times, particularly upon notification by an infringed consumer that XXXX is deficient of its requisites to report adequately and a challenge ( or dispute ) is lodged versus any data information previously NOT proven PHYSICALLY to be affirmed valid or is UNABLE to be demonstrated as true, accurate, complete, timely, and otherwise fully compliant to laws upon a documented declaration of concern by the consumer.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX  To : Equifax I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are FRAUDULENT accounts on my report which do not belong to me.

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency.

In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 

Please remove the following fraudulent accounts and inquiries from my credit report : ACCOUNTS : XXXX. XXXX  Account Number : XXXX  Sincerely, XXXX XXXX
Product: Money transfers

On XXXX XXXX, 2015 I transacted with an organization known as XXXX XXXX. I chose the Paypal payment option, having held an account with them previously. After the transaction, I experienced significant difficulty navigating a third party website XXXX which was unknowingly required to use the vendor 's software. Based on this difficulty, within 15 minutes I intended to cancel the transaction and pursue it through other payment methods via the XXXX website. Paypal informed me this was not possible and something I needed to coordinate with the vendor. I instructed Paypal in XXXX directions : 1 ) cancel the transaction, 2 ) cancel my account. They informed me only option XXXX was available and that by doing so, I would be unable to dispute future charges. I informed them that that was practice was not appropriate and proceeded to close my account.
Product: Debt collection

This is my third time filing a complaint against AD Astra Recovery Services. The last two complaints they state they are not calling and harassing me and that is a lie cause the calls keep on continuing. I have already spoke to a family member who is a paralegal today about their abusive collection tactics and she said they may say they are not the ones calling and making threats doesn't mean they didn't go outside of there company and hire a third party to do their dirty work for them. She states its a scare tactic that most collection agencies use and doesn't keep any records of the calls on their side and most companies that use third parties has been proven guilty of this in the past. The calls are being made from a unavailable number and is a middle eastern man and women calling me, my family and my job and I've demanded them to stop calling my place of employment. They don't keep anything confidential and telling them my financial business to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to request that you remove the fraudulent accounts I found on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following accounts from my Credit File at the earliest possible time : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$610.00}. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove the disputed accounts since these accounts resulted due to identity theft. I request of you to please comply with the law and have the disputed items removed soon.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : I am going through identity fraud which is why I have a fraud alert on my credit. Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

This is XXXX XXXX who is submitting this CFPB complaint myself. JPMCB  CARD is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. PLEASE DELETE the accounts below : ( JPMCB CARD XXXX, JPMCB CARD  XXXX )
Product: Debt collection

Fabco is attempting to collect on a fraudulent debt from Landlord. Fabco received information from landlord, XXXX XXXX of XXXX, OH, but did not verify whether the information was correct. Even a cursory look at the evidence reveals that the claim is false. Thus, they are attempting to collect on a debt they should reasonably be aware is false. 

The charges that FABCO is attempting to collect on are illegal as per Ohio Revised Code section XXXX. XXXX XXXX is charging for damages that were not sustained during rental period, are simple wear and tear of apartment or pre-existing damages. I have both photographic and witness evidence that the damages are fraudulent. The evidence that Fabco supplied supports my documentation and my version, in almost every instance. 

Fabco received information from XXXX XXXX and did not independently verify, ( or apparently even look at ) whether the information was correct. Even a cursory check of the landlords evidence would reveal that : o XXXX XXXX claims that the lease was broken ( false ) and that rent was due at time of moveout. ( false ). The bill that Landlord supplied to FABCO shows this to not be true. Had Fabco examined bill, they should have seen that. 
o Further, no lease has been provided to FABCO to prove that there was a lease in XXXX. The only lease provided was from XXXX. FABCO should have noticed that with a cursory glance at materials. 
o XXXX XXXX provided photographic evidence of lack of damages ( cleaned surfaces, non-damaged floors ). Even a cursory look at the evidence provided by landlord would prove lack of damages. 
o XXXX XXXX claims five years left of life left on a seven -year carpet. Since they are claiming a four-year lease, the MAXIMUM amount of damage would be three years. A cursory look at landlords materials would have revealed this. 
o ( However, just to be clear : the carpet was not new at beginning of lease, and there was no damage to carpet. Thus their claim for ANY carpet damage is fraudulent. ) o XXXX XXXX 's evidence does not match the original amount submitted to FABCO. This should be obvious to FABCO, then, that XXXX XXXX was originally attempting to collect on debts that were unsupported ( and thus fraudulent ). Even though the amount was amended, XXXX XXXX clearly gave FABCO fraudulent information on how much was owed, as determined by XXXX XXXX 's own bill as of XX/XX/XXXX. 
o FABCO did not allow sufficient time for me to respond to their letter or allow me to provide evidence of my own before adding a negative report to my credit report. Only three weeks passed between the mail-date of XXXX XXXX 's evidence ( XX/XX/XXXX ) and FABCOs letter and FABCOs negative credit report ( XX/XX/XXXX ). 

In short, FABCO is attempting to collect on a debt in which the information supplied to them by XXXX XXXX does NOT provide evidence of XXXX XXXX 's claims. Nor did they allow me to submit my evidence. Thus, FABCO is attempting to collect on a debt they should reasonably be aware is false.
Product: Credit card or prepaid card

For many years, I had a XXXX XXXX XXXXSynchrony bank card. My credit history showed all payments were made on time and for at least the last few years my balance on this account has been XXXX. I have an excellent paying on time history. Recently, I was surprised to see on a XXXX XXXX report that my XXXX/Synchrony account was closed. I did not close it. For the last few days, I have been planning to call Synchrony/XXXX  to question this apparent error. Today, XX/XX/20, I received a letter from Synchrony Bank re my XXXX XXXX XXXX ending in XXXX, informing me after a review of my account, Synchrony decided to close my account stating the decision was based in Part on my credit worthiness re my score. My score was listed as XXXX. Moreover, had XXXX balance on this card for years and an excellent payment history with this card and with my other credit cards. 

None of the factors that were listed in the letter of XX/XX/20 are relevant to my long term XXXX balance and payment on excellent record of payment on time of my XXXX XXXX. As a result of XXXX decision my credit score has suffered. 

I believe Synchrony bank was unreasonable and arbitrary in closing my XXXX card. 

Accordingly, based upon the letter dated XX/XX/20, which I just received today, XX/XX/20, I believe it would be futile for me to contact XXXXSynchrony Bank to attempt to resolve this situation on my own. 

I thank the CFPB for their efforts in attempting to resolve this matter on my behalf
Product: Debt collection

i am a federally protected consumer, and I am making this complaint against LVNV Funding LLC for committing identity theft. I have never given XXXX Funding LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX  Funding LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX XXXX  Cash App suddenly stopped transferring payments from my Cash App account totaling over {$1800.00} to my XXXX XXXX XXXXXXXX checking account that were transferred by my wife from her Cash App account to mine. They have been unable to provide me any explanation as to why, and the matter is currently under investigation before they release me the funds. 

All the payments remitted from my wife to me listed in the attached documents have been withheld without explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already opened a dispute with the credit reporting agency and they failed to remove the account from my credit report. I did not open a leasing contract with the company the collection agency is reporting for. The collection agency has also failed to provide documentation of a leasing agreement with my signature.
Product: Credit reporting or other personal consumer reports

There are multiple credit inquiries on my credit report that I am not aware of that appear to be fraudulent activity
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX XXXX CRD # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section A section 2 : It also states i consumer reporting agency can not furnish an 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 or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXX XXXXXXXX AND XXXX  XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C.1681 SECTION 602 A.STATES I HAVE THE RIGH OF PRIVACY.

15 U.S.C 11681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CONNOT FURNISH AN ACCOUNT WITHOUT MY WRITING INSTRUCTIONS
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I had a car loan through JP MORGAN CHASE BANK. The car was return back to the lender 2 years ago and I recieved a check because they SOLD MY CAR. They took my car from my parking spot 2 YEARS ago. It was paid for after being sold and was removed. 

After looking at my credit documents on ALL 3 bureaus, they are still reporting this CARD AS LATE PAYMENTS, ITS CURRENTLY STILL OPEN AND REPORTED. I do not have possession of this automobile. 

Because if this, this is a additional reason I cant not get an apartment, credit or anything because its showing I owe a car company who not only took the car but sold it as well. 
The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits what debt collectors can do when attempting to collect certain types of debt. The federal Fair Credit Reporting Act ( FCRA ) covers how debts are reported in credit reports. In addition, there are state laws that provide protections against unfair and deceptive practices. 


The ruling interpreted 1692e of the FDCPA, which prohibits debt collectors from using any false, deceptive, or misleading representations or means in connection with the collection of any debt.
Product: Debt collection

A creditor on my consumer credit report sold my account to a debt collection agency. I had XXXX knowledge about this activity. They collection agency then proceeded to call me and was able to get payments from me. I have the scheduled payments dates. I believed it was fraud because my balances were never being lowered on the past due accounts. I stopped paying and told them not to contact me. A year later and Ive been disputing my account with the original creditor ( XXXX XXXX XXXX XXXX ). They gave me knowledge that they sold my account and actually got it back from XXXX XXXX XXXX my information has been in so many different hands I know it is many violations that has occurred. The balances are all wrong and its causing mishap on my credit report. I want to sue each of these companies and get this auto debt account off of my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is violating 15 USC 1666b XXXX This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/year>
Product: Debt collection

Upon checking my credit report I noticed a new inquiry from a company called WILLIAMS AND FUDGE INC. The company is reporting negatively and I have no clue as to who or what this  company is as they have not mailed, emailed, or called me regarding the debt prior to reporting negatively on my report.
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 Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 1

5 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.