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

I am writing to inform you that my social security number has been compromised, resulting in identity theft. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter. 

Under 15 USC 1681c-2 c ( a ), you are required to block and remove all fraudulent information from my credit report within four business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : ACCOUNTS BEING CHALLENGE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you fail to respond promptly, I will pursue legal action, seeking damages for each violation under 15 U.S.C XXXX. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution.
Product: Checking or savings account

On or about XX/XX/year> I received notice from USAA, my primary bank of a potentially fraudulent activity using my ATM/Debit card ending in XXXX. I contacted USAA and there was a XXXX transaction that I did not authorize. USAA immediately canceled my ATM/Debit card ( XXXX ) and disputed the charge. A new ATM/Debit card was ordered, and I was told it would take between 7-10 business days. I was issued a credit for the amount. 

I had not received a new card and to my surprise I received a new message from USAA bank on possible fraudulent activity again. I called them and there was a charge for a withdrawal from XXXX XXXX Bank for {$500.00}. I explained this was not possible as I did not have a card and explained the previous fraud and that my card had been cancelled. I did not write down notes, but I recall the bank representative saying my replacement card was mailed out either that day or the day before. When I received written notification of the transaction, the ATM/Debit card last four were XXXX which I had never received. The notification said that USAA determined the transaction was not fraudulent and that the temporary credit given would be withdrawn. I again called USAA and asked for reconsideration as I had not received nor activated card ending in XXXX and asked for any information on when and how card XXXX was activated which I have yet to receive. Whenever I receive a new USAA card, I activate it using my phone and the automated response always says it recognizes I am calling from my phone. Is there any record of activation of card XXXX? 

I have now received a final letter from USAA saying that their investigation shows a inimitable CHIP read card was used. I maintain that I did not receive nor activate that card and believe there must be some evidence to show that I activated the card as well as some evidence showing I withdrew the funds. I think transactions are recorded by a camera and I don't even know where the withdrawal was accomplished. 

There must be some way to dispute this arbitrary decision from USAA.
Product: Debt collection

On XX/XX/XXXX I received a letter from Phoenix Financial stating that I owe them money for a medical bill. The letter said I had 30 days to dispute it and which I did. The letter was send out on XXXX XXXX and it was received by phoenix financial on XX/XX/2020. I asked them for the following : 1. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file.

2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present.

3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. 
On XX/XX/XXXX I received a letter from Phoenix Financial stating I owe this money and showed me a bill from another collection agency. This is not what I asked for and they did not provide me with this original medical bill that they say I owe them. Now I am asking them to remove this collect account off of my credit report or I will do the following : 1. File a complaint with the Attorney General 2. File a complaint with the XXXX XXXX XXXX 3. File a complaint with the Consumer Financial Protection Bureau which I am now.

4. File a complaint with the Federal Trade Commission 5. File a Police Report against your company for harassment, invasion or privacy and attempting to extort money.

6. File a Law Suit against you for harassment, fraud, extortion, and invasion or privacy. 

I know my rights and I expect them to remove this account ASAP. I am attaching all documents that was send to Phoenix Financial and to comply with my demands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX on XXXX of 2019 and advised that the courts had included my Student Loan Debt in my Bankruptcy but they refuse to remove the loans. I've given them the information from the courts and XXXX has closed out the accounts but they are still reporting balances in my XXXX.
Product: Credit reporting or other personal consumer reports

That on XXXX I receive a letter from Transunion showing XXXX Deleted accounts that I announced that was inaccurate. Also I informed Transunion to compensate me for each violation pursuant 15USC 1681a Accurate and Fairness of Credit Reporting. Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is showing on all my reports as a balance of XXXX. The account was paid and settled.
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 15USC 1681. 

XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CO # XXXX, XXXX and XXXX # XXXX, XXXXXXXX XXXX XXXX # XXXX. 

15 U.S.C 1681 section 602A. States I have the rights to privacy.

15 U.S.C 1681 section 604A. 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 that records of convictions of crimes with 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, credit repair services, or other personal consumer reports

Account is showing as unpaid and has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get all three credit reporting companies to put a security freeze on my report, as I have checked with XXXX who have admitted that my information has been compromised in their latest security breach. None of XXXX, XXXX or Transunion 's website will complete my online requests. 

I have tried some of them multiple times, but they will not freeze my report.
Product: Checking or savings account

Truist Bank -- offers business checking for individual XXXX 's with single taxpayer ID number or social security number. 
Truist Bank issues a business checking XXXX XXXX. This account has options for merchant services, XXXX payments, checks, debit card options for purchases and ATM deposits. 
The XXXX XXXX Checking account pays POS transactions or purchases are paid by overdraft privileges or automated system without the option to opt in or out. A {$36.00} overdraft fee is immediately assessed to the customer account balance. Truist Bank advised account holder there's no Option to opt out of the overdraft service. If the account is low in funds less than {$36.00}... it approves purchases, overdrafts the account and the balance is goes negative regardless. Truist Bank pays up to XXXX -- per day limit. Customer has to pay the purchase and the assessed fees within XXXX. If the account is overdrawn over XXXX the account is frozen if it's negative. Deposits can be made, although the overdraft system is reset and will pay purchases once it goes positive and assessments of {$36.00} ; are again applied. Truist Bank doesn't offer the option to turn off this feature on this account type. Business Checking also asseses a 1 % fee on incoming XXXX payments, which are calculated on monthly basis. XXXX XXXX attached to this type account incur maintenance fees @ $ 49 monthly plus 3 % per transaction. 
For ; a single owner or sole proprietor the fees for this type account can often cause the account to go low or overdrawn.
Product: Credit reporting or other personal consumer reports

It is so XXXX  and you have no idea how bad it is, Im an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.
Product: Debt collection

I HAVE RECEIVED COMMUNICATION FROM AGENCY REGARDING A DEBT COLLECTION BUT THEY INDICATE THAT IT IS SEVERAL COMPANIES THEY ARE REPRESENTING BUT DO NOT IDENTIFY NAMES OF THE COMPANIES. THEY STATE ( SEVERAL ). I HAVE SENT CORRESPONDENCE REQUESTING THE NAMES OF ALL DEBTORS TO AVOID DUPLICATION OF DEBT COLLECTION ON THE SAME DEBT FROM VARIOUS ENTITIES. I AM WAITING FOR THAT REQUESTED INFORMATION.
Product: Credit reporting or other personal consumer reports

I am requesting deletion of the XXXXXXXX XXXX collection account # XXXX from my credit report due to the inaccurate reporting information they have been providing, this company has COMMITTED FRAUD and reported that I have had a collection sincXXXX XXXX XXXX XXXX but upon my XXXX report thats uploaded there's no collection reporting from XXXX. But XXXX has the account reported open in XXXX XXXX XXXX??? SO THIS IS A COMPLETE LIE I found this information from my XXXX CREDIT REPORT, I HAVE DISPUTED THIS AND ITS COME BACK ACCURATE, THEY HAVE FAILED IN INVESTIGATING PROPERLY THIS IS A DIRECT VIOLATION of 12 CFR PART 1006 REGULATION F WHICH STATES 1006.18 False, deceptive, or misleading representations or means. ( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section. all three credit bureaus have failed in validating this information which is a violation. Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I want this deleted completely, not corrected I have not signed any contract in XXXXXXXX XXXX XXXX This is FALSE REPORTING ON MY CREDIT REPORT AND ILLEGAL, REMOVE THIS
Product: Credit reporting or other personal consumer reports

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had four late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i have included XXXX inside this complaint in on dates of ( XXXX XXXX XXXX XXXX XX/XX/2023 Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Product: Mortgage

They are foreclosing on my home when I have completed the Modification papers faxed them mailed them they claim to never have received them on 4 different occasions. They deliberately stalled with excuses until they could claim it was to close to foreclosure sale date to stop the Sale. I have repeatedly asked for verification because all the statements I have received from the 4 different servicers are different they just ignore my requests. They have called my former employer trying to collect the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an Identity Theft police report to Experian, and a dispute for four accounts, ( XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account XXXX XXXX ) and 5 hard inquiries ( see attached identity theft report ). The dispute was opened by Experian on XX/XX/2023. The 5 hard inquiries were removed within 48 hours, but the four accounts remained. So, after the four business days I called Experian on XX/XX/2023, to seek why the accounts were not blocked within the four business day 's, and a representative from their fraud department stated the Identity Theft Report ( Police Report ) was not attached to the dispute when the dispute was opened. But that can't be true because, they blocked the 5 hard inquiries within 48 hours after opening the dispute, which the inquiries were listed on same the Identity Theft Report, as the four accounts listed above. Moreover, I mentioned I received an email from Experian stating my identity theft report was incomplete, so the fraud representative from Experian looked at the Identity Theft Report and told me everything looks clear, and is complete. Additionally, the representative stated I should allow them to close that dispute and reopen another dispute, thus, allowing them to attach the Identity Theft Report. This occurred on XX/XX/2023. After speaking with the fraud representative from Experian on XX/XX/2023, they stated I needed to wait the additional four business days before the account could be blocked because they re-opened the dispute on XX/XX/2023. So, I gave Experian the additional four business days to properly conduct their investigation. On XX/XX/2023, I was notified via alert thru the Experian app that XXXX Account # XXXX was blocked, which was one of the 4 accounts listed on the Identity Theft Report. On XX/XX/2023 at XXXX I called Experian again to see why they had only blocked 1 of the accounts, and not the other 3. The fraud department representative stated that after review of the 3 accounts, they did not meet the " guidelines '', but the other account did. I asked for further clarification, but the representative could not give me any more information. After hanging up with the Experian Representative I was notified via email that my dispute was reopened, and that XXXX Account # XXXX was unblocked from my consumer report. I am making this complaint because Experian is not following the Fair Credit Reporting Act ( FCRA ), and is violating my Congress given rights in the form of the FCRA. I have followed the law in disputing these accounts listed above, but Experian believes to twist the law however the seem it fits their narrative. I believe a thorough investigation by the United States Government should be conducted on Experian. The consumer bureaus have been found time and time again to be breaking consumer laws, and there is no difference here. 

Experian has the signed and notarized copies of attached documents.
Product: Vehicle loan or lease

I ask wells Fargo bank to lower the interest rate on the car loan that I got on a XXXX  XXXX XXXX I only owe {$5000.00} left to pay it off but having trouble with money issues so the bank said to me just finish paying it off that there not going to help me on it so how do I go about that cause that is the only vehicle I have to take me to my doctors appointments and to get my medication so how do I go about this issue
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXThis CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax and XXXX XXXX XXXX agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent accounts 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, or hard inquiries as reported. The aforementioned accounts, 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, 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

XX/XX/2018 I Submitted a requested that a Public Record be removed from my Experian Credit File. along with Incorrect Names and Addresses on my file with Experian. On todays date XX/XX/2018 I contacted Experian by phone at XXXX and spoke with a Rep by the name of XXXX he stated he cant give his ext or employee ID #. and that the names cant be removed I stated that I have submitted a photo copy of my Identification social security card and bank statement so how is it that incorrect information can stay on my file and he stated that it was verified and will remain on your report. I stated anyone can electronically submit information, I'm requesting proof of contracts bearing my signature. XXXX   stated they cant provide me that information because they don't require it from Collectors and Merchants. this is a Violation of the FCRA. XXXX from Experian stated that XXXX verified the Public Record. I have a security Freeze on my XXXX  file so its impossible that Experian received any information from this company regarding me. I feel that Experian isn't properly completing verifications on the items I am disputing.
Product: Checking or savings account

I filed a dispute with Wells Fargo regarding a charge of {$6800.00}. The merchant ( XXXX XXXX ) processed the refund. Wells Fargo removed the pending status on my bank account XXXX. Upon speaking with a Wells Fargo representative in the normal banking division as well as the claims department division. They had no response as to why the ending charge is no longer visible on my online banking account. It appears to me that they're holding my funds for no reason.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 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 und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian keeps saying an collection on my credit report is verified but dont explain how. The company is in XXXX XXXX and I live in XXXX. I have never reside in XXXX XXXX. I have never received a bill or collection letter from this company. I have proof of where I have been living for the past 10 years. Where is the proof that I lived in the location that the services were provided? How was it verified? I had collection shield send a validation and verification letter but the company never responded within the 30 day timeframe. So how is XXXX and Experian validating this account? I will have to seek a lawyer to sue XXXX, Experian and XXXX XXXX XXXX if this fraud account isnt removed from my credit report.