23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting 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 which 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 XXXXXXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} ; LXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$180.00} ; XXXX XXXXXXXX XXXX  Original Creditor : XXXX ) XXXX Balance : {$230.00} ; XXXX XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX XXXX XXXX {$100.00} ; XXXX. SYSTEM, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$350.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX COLLECTIONS XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$60.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX to FCRA XXXX XXXX ( 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 XXXX business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I set up a new account with Transfast to make an international transfer. Upon setting up the account, Transfast required that I login into my bank account in order to to verify me before processing the transfer. I was notified by email that their account security team would verify my details then process the transaction. Hours later, I received an email stating my transaction was cancelled bc their security team could not verify me. I called and was not given any other details besides the account had been cancelled. Their staff was very unprofessional when I attempted to escalate the call, I was told the supervisor would be in a meeting until XXXX. Basically, for the remaining of their shift. No one is giving me details for why my transaction was cancelled and account disabled, when they have very sensitive information of mine. I am now concerned that this company has access my bank account details and I have no clue what I formation they have or how it is stored in their servers.
Product: Credit reporting, credit repair services, or other personal consumer reports

That a fair investigation by XXXX would have elicited information about events or discussions that transpired among me ( XXXX, XXXX ), my wife ( XXXX, XXXX ), and ( XXXX XXXX - agent of XXXX XXXX  XXXX XXXX XXXX ), the creditors between XX/XX/2017 and XX/XX/2017 that cumulated in the judgment of Justice XXXX XXXX on XX/XX/2017 dismissing the eviction charge including rent claims against us ( XXXX, XXXX and XXXX, XXXX ). No attempt was made by the debt collector and the credit reporting agencies despite our requests to prove or dispute my claim. 
That the amount of {$5300.00} billed against us by the creditor was included {$940.00} rental charges billed and dismissed by Justice XXXX XXXX on XX/XX/2017. This is contrary to our agreement and the court ruling. 

Hence, XXXX 1. Refused to investigate the reason for and meaning of the judgement of Justice XXXX XXXX on XX/XX/2017 which vacated the debt of {$940.00} against XXXX, XXXX and XXXX, XXXX. the said amount of {$940.00} which was later incorporated in the debt of {$5300.00} sent to XXXX XXXX That other items in the invoice are fines related to the non-payment of the rent that Justice XXXX XXXX XXXX XX/XX/2017 dismissed. 
2. Refused to investigate the reason that the creditor did not discuss the or inform XXXX, XXXX and XXXX, XXXX about the debt before forwarding it t XXXX XXXX denying the opportunity to settle, negotiate or dispute the debt. 
3. Endorses the abuse of business process by the creditor and XXXX XXXX in pursuing a debt that the so-called debtors XXXX, XXXX and XXXX, XXXX were not properly informed about or given the opportunity to settle or negotiate. 
4. Endorses the abuse of business process by the creditor and XXXX XXXX in unfairly pursuing harmful damage to the credibility of XXXX, XXXX and XXXX, XXXX and punishing their child. 
5. Deliberately ignore the ruling of Justice XXXX XXXX on XX/XX/2017 without asking for more information or providing the reason why the ruling does not apply. Thereby, a. arms the creditor to retain unfair debts in my rental history b. encourage the debt collector to continue hiding the current and updated contact details of the creditor c. endorse and encourage false claims by the creditor ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ).
Product: Debt collection

On XX/XX/2017, I filed a complaint against XXXX XXXX with the CFPB ( XXXX ), you investigated and closed the complaint. XXXX XXXX, then gave information about my account to AFNI , Inc., they show the account number ending in XXXX. My credit report indicates AFNI created a phony account on XX/XX/2017, made it look like payments were made and then delinquent after a XXXX. This is fraudulent reporting and having a negative effect on my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Complaint Against Equifax for Credit Reporting Issues Dear CFPB, I am writing to formally express my concerns regarding the ongoing issues I have experienced with Equifax, which I believe have negatively impacted my creditworthiness and character. 

Despite my efforts to address positive accounts in my credit report, Equifax has continued to misuse my credit report by removing a positive account that I've had over a year. This misreporting has resulted in significant consequences, including the denial of credit applications and increased interest rates, which have placed undue stress on my financial situation. 

I have attempted to resolve this issue by contacting Equifax directly, but my concerns have not been adequately addressed. I believe that their actions violate the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting of credit information. I've also filed an FTC report Equifax did not have my written consent to access my credit report. 

I kindly request your assistance in investigating this matter and taking appropriate action against Equifax for their failure to comply with federal regulations. I am hopeful that your intervention will restore my credit reputation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, CFPB THIS IS THE 2ND TIME EQUIFAX HAS DELETED A POSITIVE ACCOUNT FROM MY CREDIT REPORT ALSO IM ATTACHING AN FTC REPORT MISUSE OF MY CREDIT REPORT WITHOUT MY WRITTEN CONSENT AS WELL AS SCREENSHOTS WHERE THEY DELETED IT ON XX/XX/year>. IM ALSO SENDING THIS TO EQUIFAX 'S LEGAL DEPARTMENT AS WELL
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law.

Thank you for your prompt attention to this matter. I look forward to your response. 

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

Caine & Weiner is currently reporting on all three major consumer reporting bureaus that I owe their company {$340.00}. Reporting started on XX/XX/2020 and is currently still active. I've sent them written notice in which I haven't received a response. I don't know who this company is nor do I do I have any documentation with my signature nor verbal agreement with this company, so I have no contractual agreement with this company. I demand this be removed from consumer report immediately. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall 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 : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX 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 # XXXX 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 or other personal consumer reports

I submitted a complaint to these Bureaus a month ago, but the incorrect information on my report is still there. To my surprise, I haven't heard back from them, and they have already closed my complaint. Can you clarify why they closed it without addressing my concerns? Have they even looked into my dispute? I need to know that they have properly investigated the inaccuracies on my report and confirmed the accounts. What methods did they use to verify my information? This whole situation is extremely frustrating! It's been over 30 days since I filed my complaint, and I expected the accounts to be updated by now. If they aren't updated soon, I may have to consider legal action due to the stress this has caused me. Additionally, I'm worried about the security of my personal data, especially after the Equifax, Experian, and XXXX data breach.
Product: Credit reporting

The Auto purchased XXXX XXXX XXXX is re- listed as closed derogatory .A payment was late as I was in hospital several days having my baby ( Born : XXXX XXXX XXXX This company refused payment XXXX times after the event and closed the account on XXXX XXXX XXXX .Last listed payment was XXXX XXXX .I was informed the car would be impounded and I was not allowed to pay for it, I was however allowed time to go purchase another car prior to impound -which I did-and which I still use today .The impounded car with a total of XXXX paid and XXXX in new snow tires- I was told had been auctioned for an unknown amount.The original loan amount was XXXX with payments at XXXX XXXX monthly-I am then told I owe XXXX on a car I do not have and was not allowed to pay for when I did have it.Now ,XXXX years latter this has been taken off my credit and then put back on as of XXXX XXXX the 6 year RCW XXXX .How can this be listed twice restarting the impact to my credit score?
Product: Credit card or prepaid card

Capital One Card is showing a missed payment from XX/XX/2018 - payment was not missed or notified of missed payment.
Product: Credit reporting or other personal consumer reports

Found discrepancies on my credit report, specifically late payments. Please resolve and adjust my account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the XXXX Credit Bureaus to remove the following items that were unknown to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters. Ive already included this in my previous Complaint # & I am including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance to the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXXXXXX $ Balance {$28000.00} has violated my rights 15 U.S.C. 6801 15 USC 6801 is a section of the Gramm-Leach-Bliley Act, a federal law that regulates the privacy of consumers ' personal financial information. The section states that each financial institution has an obligation to respect the privacy of its customers and to protect the security and confidentiality of their nonpublic personal information. The section also requires the FTC and other regulators to issue rules to implement this policy. I told XXXX, XXXX, and Equifax to reinvestigate the above listed accounts : 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. According to 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. Please remove and delete the account from my credit report. There should be no other name and address other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed innacurate accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX.I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX IS INCORRECTLY REPORTING THIS ACCOUNT TO XXXX AND EXPERIAN AS OPENED CHARGE OFF, WHEN IN FACT IS CLOSED PAID IN SETTLEMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX  Account number : XXXX, XXXX XXXX Account number XXXX XXXX, XXXX XXXX  Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received letters in the mail indicating that a bankruptcy on my credit report was validated. The credit bureaus ( XXXX, Equifax and XXXX ) and XXXX XXXX failed to provide documentation stating where they are validating their information. The XXXX XXXX XXXX Georgia verified that they did not provide any information to third parties regarding any bankruptcy in my name. In addition, they validated that placing public records from PACER onto an individuals credit profile is illegal and UNJUST. According to the Fair Credit Reporting Act 15 U.S.C. 1681-1681x, Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. Investigation must include providing documentation and/or proof of the process in which information is validated. My rights are currently being dismissed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification of enrollment into citi banks credit card protection program, and charged a monthly fee. In addition, the letter contains a mispelling of my last name, I have not used this spelling in over 5 yrs. I did not enroll into this program, nor did I apply for credit with citi, nor  do I have a credit line with citi. I contacted citi bank on XX/XX/XXXX. I was prompted to enter my social security number, upon entering my ssn the automatic message stated that my social security does not match. I then went through a list of prompts to speak with a live agent. Once I was able contract a live person, the rep claimed I was in the wrong dept and transferred to another rep who also stated I was transferred to the wrong dept and that he would give me the correct telephone number, instead of receiving a telephone number I was hung up. I called Citibank for the 2nd time and explained the situation all over again, at which time the rep transferred my call to a promotional line which I could not exit without hanging up. I called Citibank for the 3rd time asked to speak with the manager, instead I was transferred to the supervisor. The supervisor was unable to assist, and stated that this was a known issues, and I was not the only one affected. The supervisor placed me on hold in an effort to transfer me to a different dept just to come back and tell me that he is unable to assist me and that I would have to call back on Monday for a resolution and explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their information stated it was received from an outside source as the XXXX XXXX XXXX XXXX XXXXXXXX states it did not supply any information to Experian Experian in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX XXXXXXXX Identification Number 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 also states a consumer reporting agency can not furnish an account without my written instructions. 

Experian in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX SC XXXX Identification Number 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 also states a consumer reporting agency can not furnish an account without my written instructions. 

Experian in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX Identification Number 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 also states a consumer reporting agency can not furnish an account without my written instructions. 

Experian in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX Identification Number 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 also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX Partial Acct # XXXX as 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 also states a consumer reporting agency can not furnish an account without my written instructions.