23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 act 15 u.a.c 1681 ) 1 ( 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 or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this item. Actually I am not sure that the item is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

Bankruptcy XXXX XXXX XXXXXXXX
Product: Debt collection

My mother called me on XX/XX/2018 stated she received a call from a someone from XXXX   county stating she needed to have me call them back as they have charges filed against me and I would be going to jail if they don't hear back asap. My mother was clearly worried so I looked up the number before calling back and there were numerous complains stating they received a similar call. Within a few minutes I had a voicemail on my cell phone from global same man that called my mom ( XXXX ) XXXX with the same message. Within minutes our work receptionist let me know she had a very strange phone call for me. I took the call, it was a the same man sayig he was from a firm representing global he was asking me to confirm my name and DOB. I didn't confirm he then proceeded to say I left a message with your mother do you want to go to jail why haven't you called back! He said he was calling from XXXX county and said if I don't call XXXX case # XXXX I said what is this about he said that's like opening your mail, I don't know if you want to resolve that matter call the number or have two forms of ID ready for the Sherriff who will pick you up @ work. I told him to please stop calling  me and I hung up. He called right back and asked for my boss, he was rude to her as well and said he was calling from global and told her he wanted me to call them back they will be going to my place of work to arrest me she asked him what do you need from me as your calling her place of employment he said for you to give her the message to call back immediately or we will move forward with serving her at work confirmed my work address then said have her two have ID ready for the sheriffs office & hung up on her. I called XXXX county and they said they don't make those types of calls and it was most likely an debt collector or a scam they could simply take an informative report. At this point not only was a deeply embarrassed at work I was worried as I didn't know if this was legitimate of not. I called and left a voicemail to the number the man left but it just rang then went to voicemail. I contact an attorney XXXX XXXX and explained to him what occurred he asked me to make a complaint here and said he called them back but also got a VM, he left a detailed message but hasn't heard back yet. He said in the message he asked them to send me something in writing he said it should be sent within five business days of their initial contact with me. He stated its either a scam or an illegal debt collector. I really don't know what else to do in the interim as I have the feeling they will be contacting me again at work, how is this type of harassment legal, I'm really worried and upset that this happened to me. If I truly owe a debt to them id like to have the opportunity to research and resolve it without extreme measures of harassment. I'm asking for your guidance and help on this matter please.
Product: Mortgage

We found our dream home in XXXX XXXX, Florida after countless years of savings. On XX/XX/XXXX at XXXX PM, our dream turned into a nightmare. I sent a wire from my Chase account ending in XXXX in the amount of {$170000.00}. The receipt of these monies defrauded me into sending these monies to them and I would like these funds to be returned to me. The recipient posed as my closing agent in a real estate transaction, and I was tricked into sending these funds to them. The recipients account is a JPMorgan Chase Bank Account and at minimum these funds should be frozen, until further research is completed. 

I have filed a complaint with the XXXX XXXX Police Department, XXXX XXXX and FBI. We have also opened a case with Chase ( XXXX # XXXX ). I urge you to conduct an investigation, so these monies can be returned to me. At a at minimum please place a hold on the recipients account as this is a FRADULENT MATTER. The loss of hpes and dreams can be incredibly hard to accept and cope with. Hard earned money You can reach me anytime at ( XXXX ) XXXX. I eagerly await your call. You can also email me at XXXX or XXXX XXXX
Product: Credit reporting

On XXXX/XXXX/15 a hard credit inquiry was reported by Experian. The company reported was XXXX, no other identifying information on the credit report. I have been a victim of identity theft since XXXX 2015. I have never applied to XXXX for credit or any other reason. Since this hard inquiry affects my credit report I need to have it removed from my credit reports. I have fraud alerts in place at present time, however, I am still getting hard inquiries. How do I resolve this whole situation?
Product: Debt collection

Vance and Huffman agency lies. They do NOT tell the truth. They do not safeguard privacy. They have NOT protected any data collected by themselves commiting mishandling and fraud, as well as disrespecting the preferences of consumers regarding the use of their information.Never mind you the fact I have never even heard of the company they are collecting for. Of course they do not have the purchase agreement. They also have sent off my information for some other company to handle it yet they are the ones fraudulently reporting. Other than that along with letters ignored, I've spoken with them twice too many times, They have ignored the fact that anything having to do with ANYONES debt they are trying to collect on from the company XXXX is being done so Illegally. 
The CFPB on XX/XX/XXXX2023 found that XXXX engaged in unfair acts and practices in violation of the Consumer Financial Protection Act of 2010 as well as finding that XXXX violated Regulation M, which implements the Consumer Leasing Act. The order permanently bans XXXX from offering or providing consumer leases and requires XXXX to release all consumers with existing lease agreements from their leases and to allow them to maintain the leased products with no further financial obligation. The docket number is 2023-CFPB-0010. There should be compensation for the fraud, defamation and the hurt to my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute Regarding Lack of Access to My Equifax Credit Report & Fraudulent Accounts Dear Equifax, I am writing to formally dispute my continued lack of access to my Equifax credit report for over a year. Despite multiple conversations with representatives from Equifaxs Consumer Affairs Department, who assured me that I would regain access, I am still unable to obtain my credit file. This ongoing issue is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g, which mandates that consumers be provided access to their credit reports upon request. 
Furthermore, my personal information was compromised in the Equifax data breach and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX leading to fraudulent accounts appearing on my credit report. I previously sent a certified letter formally requesting a copy of my credit report and disputing fraudulent accounts, yet I have still not received access. 

In my previous certified letter, I provided : Government-issued ID, Social Security card , utility bill, and bank statement to verify my identity. 

Identity Theft Police Report regarding the fraudulent XXXX XXXX XXXX XXXX XXXXXXXX collection account. 

Identity Theft Police Report regarding four fraudulent credit card accounts : XXXX XXXX XXXXXXXX  ( two accounts ) XXXX XXXXXXXX XXXX XXXX XXXX Each of these accounts resulted from identity theft due to the Equifax data breach and XXXX data breach. After contacting these creditors, they confirmed that my personal information was used fraudulently without my knowledge or permission. 
Under the FCRA, I am demanding the following actions : Immediate access to my Equifax credit report, as required by FCRA 1681g.

Unfreezing of my credit file so I can monitor my credit online.

Permanent deletion of fraudulent accounts, per FCRA 1681c-2, which mandates removal of identity theft-related accounts. 

Written confirmation of the removal of these fraudulent accounts.

Equifax is also required under FCRA 1681i to conduct a proper investigation and delete any unverifiable or inaccurate information. Continuing to report fraudulent or unverified accounts is a violation of FCRA 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy in consumer files. 

If Equifax fails to comply with these requests in a timely manner ( 30 days as required by law ), I will be forced to escalate this matter legally. Please consider this letter a formal dispute. I expect immediate action and a written response confirming the resolution of this issue. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I had a checking account with XXXXXXXX XXXX in XXXX. The account was closed in XX/XX/2016 with a {$0.00} balance. I began receiving notices from LJ Ross & Associates, XXXX XXXX XXXX, XXXX, MI XXXX shortly thereafter claiming I owed {$760.00}. I never had an account with this company. I have sent letters repeatedly to this company for several years with no response. This company has been harassing me for over 8 years in vio

lation of The Fair Debt Collections Practices Act. I would like to have punitive action taken against this collections company.
Product: Credit reporting or other personal consumer reports

Scans of my new passport and new SSN card were provided to experian via an upload to the dispute that was previously raised based on my previous CFPB complaint. My legal name on my credit file has not been corrected. In my opinion, SSN and passport scan are sufficient as proof of identity. 
If Experian is not able to correct this, it might be better if they simply do not maintain a file / record for my ssn at all. Let XXXX handle all future requests for a credit check.
Product: Credit card or prepaid card

Following up the previous complaint XXXX. I had a refund missing for weeks and since the complaint I was finally able to see the transaction backdated to XX/XX/XXXX that says " Post Payment {$100.00} '', however my balance prior to the refund was already {$0.00}, if the refund was processed correctly I should've had negative {$100.00} on the card. I reached out to support multiple times and was told the refund to be sent to the upgrade checking account by XX/XX/26, at the time of filing complaint the refund is not in my card balance or bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the reporting of the following accounts have violated my rights. 
1. XXXX Bank opened XX/XX/XXXX. 
2. XXXXXXXX XXXX  XXXX opened XXXX XXXX, XXXX 3. XXXXXXXX XXXX XXXXXXXX opened XX/XX/XXXX 4. XXXX XXXX XXXX opened XX/XX/XXXX 5. XXXX XXXX XXXX XXXX opened XX/XX/XXXX Per - 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
Per - 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: Credit reporting or other personal consumer reports

There are XXXX inquiries on my report that do not belong to me, I called XXXX the creditors, XXXX XXXX XXXX XXXX  they looked up my social, date of birth, name and said they can't see anything listed for me. I said how can that be then it's an error I asked them to remove it and they told me to call credit bureaus back. I need your help.

Next, I gave auto company authorization to run my credit and they sent it to XXXX companies that i had no knowledge of. This makes no sense and I have no other outlets. 
Also, I had fraud alert and Active-duty status on my credit profile until yesterday XX/XX/year>. I am not sure how some of these creditors got through without extra verification, but i would like something done or some help. 

Thank you kindly, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX of ny leased XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for 36 months, the lease was extended for another 12 months in XXXX, then we found out from our insurance company that the cars needed a safety recall fixed and we would not be covered by them until the recall was corrected. We received no notice XXXX  about it. 

We contacted XXXX XXXX and they confirmed that a safety recalled was issued and no fix until XXXX, now we were tucked with the cars and still had to make payments. They informed the company that no compensation nor loaner cars would be given because its a company lease. 

We paid full amount for the car lease for 48 months with non use for 12 months. After the lease we returned the cars to the dealership in XXXX NY. 

We had to purchase the cars because the dealership said they wont buyout the cars because they cant sell them with the recall issues and they are not worth the amount XXXX is requesting so XXXX XXXX had to purchase he cars. 

Now XXXX is claiming XXXX owes more payments and fees on the cars, come to find out they were not reporting the car sale on XXXX XXXX XXXX XXXX XXXX credit, but was reporting on my personal credit with the 3 reporting agencies. 

I found out they put ownership of cars on my personal reports and added negative comments of late payments and passdue payments is owed. I am not owner of the lease nor cars.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX
Product: Checking or savings account

I opened a Chase bank account in XX/XX/2020, that they gladly open fully online. I decided since I wanted to have a relationship with this bank to send my unemployment there which to my delight was the same week NY Unemployment sent me all the back unemployment they owed me since XXXX which totals of more than {$23000.00}. Unemployment funds are taxed funds and XXXX decided to froze my account. I told them I couldn't go to the branch because i am XXXX. I can't walk and I can't see from XXXX XXXX. My health is very fragile with my XXXX  XXXX and my XXXX XXXX XXXX that has caused me to lose an eye and both my legs. I am not going to pay for unemployment funds that XXXX wants to keep for their own personal use. They think is fraudulent I don't know this bank seems to do a lot of illegal practices, I do not care at this point if they want to bank with me or not. I need them to send those funds back to NY Labor because thats their funds. They have no right to keep those funds that i will get taxed on while I never touched those funds.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Some accounts listed have inaccuracies regarding reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX has been lowering my score for the last month and a half. It has dropped nearly 50 points and the only changes being made are the balances decreasing. There have been no negative changes, WHATSOEVER.
Product: Credit reporting or other personal consumer reports

I, consumer, have identified information in my consumer credit report that is a result of identity theft. This account is not related to any consumer credit transaction completed by me nor initiated by me. Please remove this account immediately. My written permission was not given to this company to report this information as true and accurate as I was not disclosed the true nature of such information is requested. As a consumer, I have the private right to privacy and as of now the privacy of my personal consumer financial information has been violated and disposed to everyone who has viewed a copy of my credit report. To date, XXXX XXXX  XXXX contains false, misleading, and deceptive information that have been sold leaving the consumer denied credit among other injuries. 

acct : XXXX Account XXXX account : XXXX address : XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

I did not receive a notice to dispute letter. I am unaware of this debt/account.
Product: Debt collection

Delete Collections from XXXX  XXXX from XX/XX/2020. Your company is in clear violation of the law under 15 U.S. Code 1602 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.

15 USC 1692b Not state that such consumer owes any debt ; XXXX A debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another partys ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same. 
15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
Best Regards, XXXX XXXX
Product: Student loan

Equitable acceptance which is a third party financial company did not reconsilidate my loans on my behalf in a timely fashion. However I renewed by yearly contract on time and made on time payments since XX/2016. Monthly payment was being made of XXXX and it decreased to XXXX monthly. The total remaining is XXXX and the complete total that was financed was XXXX. After this error, I went into collections causing my credit score to drop drastically. The BBB agreed with Equitable acceptance ; however I also filed a complaint with XXXX XXXX  directly who completed their investigation, sided with me and impacted my credit score on a positive note. My question now is how do I terminate my contract with equitable acceptance without impacting my credit score negatively? I refuse to make any future payments with them because they were not providing the  service that I was paying them for. Also they caused the negative impact to my credit score. I  attempted to speak to them directly but was told to " read my contract. ''
Product: Checking or savings account

Hi I had file a claim with bank of America for a gas transaction and two ATM transactions and immediately updated with the bank ... I have a regular paystubs coming into my account..I have a kid too feed who is XXXX year... they denied my claim... how can bank of such big can do this..how am I responsible for fraud..skimmer might have used card anything can have happen..how can they denied it..I want immediately help and my money back... I have been with bank for more than four year plus..
Product: Student loan

I 've been receiving calls from : XXXX XXXX XXXX https : //XXXX Direct Line : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Processing Dept : XXXXXXXXXXXX Customer Service : XXXXXXXXXXXX Customer Service : ( XXXX ) XXXX She attempted 4 times to reset my FSA ID and requested me to give her my password and login information, when I told her I felt uncomfortable giving this information, she said " I have no desire to steal your identity '' ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit score of XXXX  is to low. My Credit Score should be XXXX or above. I feel they are Discriminating against me because I am XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have called many times asking to be taking off this car loan account joint with XXXX XXXX. I have never seen or drove this vehicle ever, and it is hindering my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I disputed several items on my Experian credit report. The information was sent via certified mail and was received on XX/XX/2023. Its been 30 days since the confirmation has been received and Experian failed to response withing the time lime by federal law. Therefore, they are in violation of the following, 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act