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

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILRE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AND I HAVE ALSO ATTACHED THE FEDERAL TRADE COMMISSION AFFIDAVIT! NOW THAT I HAVE GIVEN THIS INFORMATION CORRECT MY FILE OR I WILL PROCEED WITH GETTING MY ATTORNEY INVOLVED!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to demand the immediate removal of inaccurate and derogatory information from my credit report. The accounts listed below are reported incorrectly and do not meet the compliance standards outlined by the Consumer Data Industry Association ( CDIA ) and the Fair Credit Reporting Act ( FCRA ). 

The following accounts are in dispute : I am disputing this hard inquiry under the Fair Credit Reporting Act, Section 1681e, as it is inaccurate and unauthorized. I have not initiated any transactions or applied for credit with the company that made this inquiry. Therefore, I request its immediate removal from my credit report to ensure maximum accuracy XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/year> I am disputing this hard inquiry under the Fair Credit Reporting Act, Section 1681e, as it is inaccurate and unauthorized. I have not initiated any transactions or applied for credit with the company that made this inquiry. Therefore, I request its immediate removal from my credit report to ensure maximum accuracy XXXX XXXX Inquiry Date : XX/XX/year> Under 15 USC 1666B, this is a billing error. Always paid as agreed on time. This is an error. This account is in violation. 
XXXX XXXX XXXXXXXX Please update the late payments all payments were made on time. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX XXXXXXXX Cease and Desist ASAP. 

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX  XXXX Cease and Desist ASAP Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX XXXX Cease and Desist ASAP. 

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Cease and Desist ASAP Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK ) XXXX Cease and Desist ASAP Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX XXXX Cease and Desist ASAP Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXXXXXX XXXX XXXX XXXXXXXX Cease and Desist ASAP Under 15 U.S. Code 1681s-2, the FCRA mandates that furnishers of information to credit reporting agencies ensure the maximum possible accuracy of the information they provide. The inaccurate information currently on my credit report is a violation of this statute. 

Moreover, I have already filed complaints regarding this matter with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX XXXX ), and the Federal Trade Commission ( FTC ). These complaints highlight the non-compliance with Metro 2 standards and the resulting harm to my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX CT XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXX XXXX Balance : {$820.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$16000.00}, XXXX XX/XX/2022, XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX of birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, PA XXXX Telephone number : XXXX XX/XX/XXXX Dear XXXX XXXX XXXX, I am writing to dispute the following information that appears on my consumer report : Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX of disputed information : Secured Loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Inquiry Name : XXXX XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Inquiry Name : XXXX XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite 3 previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am appealing for your help regarding this erroneous account listed on my credit report. I have reported this issue because it has negatively impacted my reputation, and I need your support. Your mismanagement of my credit report put me in a difficult position due to your inaccurate reporting, which damaged my reputation. These mistakes need to be corrected so I can live normally with my family.
Product: Debt collection

The purpose of this credit repair letter is to inform you that the derogatory accounts on my credit never had my permission to go through my credit report and I have asked them to remove any negative actions from my credit. Some of these accounts like XXXX and security credit services were contacted by me, explained and sent proof that these acts are not mine XXXX because I was no longer living at that property and had called and canceled all services and Security Credit I was a victim of identity theft. Since I did not authorize these companies to obtain my credit report, I demand that these items be removed immediately and and my credit score be adjusted accordingly. I appreciate your attention in this matter. 
Respectfully, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I submitted my Venmo account for closure over concerns of fraud and security. On XX/XX/2021 I received an email from XXXX, a representative of Venmo, stating my closure was denied. My account is not overdrawn and has never been. Im unable to make any withdrawals since contacting Venmo about closing my account. It appears that they are unwilling to allow me access to my own money if I were to close my account.
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Product: Checking or savings account

Started XX/XX/2022 I bought one game for my son then they continued to take up to XXXX plus from my venmo which in turn moved over to my checking account causing me to over draw and get checks returned making me up to almost XXXX in the negative I have disputed everything with venmo they stated once all the disputes were done they would take care of what my bank fees and amounts were I called my bank asked to put a hold on my account was told that it wasnt possible to do venmo still has not resolved the issue after turning my documents in 2 times regulation e I should be covered on both parties please help
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Product: Credit reporting or other personal consumer reports

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Be advised, validation is requested. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : Provide original contract and not a copy of it which matches the balance being claimed Provide a list of charges that total the amount claim in your original letter Identify the original creditor Do you have the right to collect on the debt The balance claimed as being due is calculated properly The loan has not been rendered unenforceable due to the expiration of the statute of limitations Please be further advised, I dispute the validity of the alleged debt in its entirety. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Debt collection

I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. As per the law seized in desist all collection activities including credit reporting agencys Please comply.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a state farm checking account. I did send a check to them for deposit on XX/XX/XXXX. The check was verify that had funds and valid checking account. I checked if state farm recieved check which they did and process through on their end and did send cancelled check to the bank on XX/XX/XXXX. I went to make a bill pay on XX/XX/XXXX and state farm disabled my log in. They had to check with someone and call me back. No explanation. Funds were there one day and not there the next. The check I deposited had funds and is valid into my state farm account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to equifax several times regarding the errors on my credit report. 
Equifax is in clear violation of my Hippa rights as well as there is no contact information for the 2 collection items on my credit report. 

How am I even supposed to dispute this item or how did they verify without any contact information.
Product: Credit reporting or other personal consumer reports

This is another attempt to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please REMOVE the reporting of any of these items in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on these items are DELETED from other bureaus and I have doubts about their accuracy, and the reported history on these items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

ON XX/XX/2020, I PAID WESTCREEK FINANCIAL IN FULL TO CLOSE MY ACCOUNT. ON XX/XX/2020, WESTCREEK FINANCIAL REPORTED MY ACCOUNT AS CHARGED OFF TO ALL THREE MAJOR CREDIT BUREAUS.
Product: Mortgage

An application for loss mitigation was submitted to Bank of America ( " BOA '' ), as the second mortgage, on XXXX XXXX, 2016. 12 CFR 1024.41 ( b ) ( 2 ) ( B ) allowed BOA five business days to acknowledge receipt and determine whether the application was complete. The timing is critical, since the first mortgagee has already issued a discounted payoff letter, the deficiency being forgiven quite substantial, and a closing must take place over the next few weeks in order to comply with the first mortgagee 's approval letter. BOA has ignored us. We have tried telephone calls to numerous offices including the office of XXXX XXXX, the company president, we have tried emails, faxes and tweets. BOA ignores us. BOA evidently employs individuals to respond to inquiries to office of the president, and tweets, solely for the purpose of giving " feel good '' responses to put the matter off until another day without actually doing anything to address the issue. see annexed pp. XXXX-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair Credit Reporting Act 15 U.S.C 1681 Section 616 ( A ) ( 1 ) ( A ) Civil Liability for willful noncompliance {$1000.00} per violation Section 623 ( A ) ( 1 ) ( A ) Reporting information with actual knowledge of errors Section 623 ( B ) ( 1 ) Reporting information after notice and confirmation of errors Section 611 ( 2 ) ( A ) Procedure in case of disputed accuracy Section 611 ( 5 ) ( A ) Treatment of inaccurate or unverifiable information I sent in a dispute to Experian for solano county child support account # 7617 because after pulling my credit report I instantly recognized incorrect information. For over Three years Experian stated they VERIFIED the Information belongs to me and if I have additional questions about this item to contact XXXX XXXX XXXX XXXX '' ( XXXX ) XXXX.FIRST Violation. the number they're reporting is incorrect no answer. the phone number has been disconnected. SECOND VIOLATION. I drove to the address that's being reported on my credit file XXXX XXXX XXXX. XXXX XXXX, CA XXXX BUSINESS CLOSED moved to another location. THIRD VIOLATION. Date opened is incorrect XX/XX/2015 is not the correct date. FOURTH VIOLATION. Balance owed is not $ XXXXFIFTH VIOLATION Date of last activity is also incorrect XXXXSIXTH VIOLATION.. Last payment is also incorrect you're reporting a payment date of XXXXAfter doing my own investigations I have enclosed supporting documents of verifiable correct information.. side by side views of 3-Bureau credit reports. correct address and phone number as well as correct balances and last payment... please pay {$1000.00} per violations due to your inaccurate reporting I have higher insurance premiums, unsuccessful job applications, security deposits for utilities.. please pay and delete. Experian has violated multiple laws when it comes to an account on my credit report.
Product: Mortgage

I paid a lump sum principal reduction payment in XXXX. This was inappropriately applied to my XXXX mortgage payment. This inaccurate distribution has been perpetuated on the XXXX payment, the XXXX payment, and the XXXX payment despite several complaints via both email through secure messaging and speaking to Chase representatives personally on the phone. I have sent several emails stating the appropriate distribution of funds and XXXX months later this still has not been corrected.
Product: Credit reporting or other personal consumer reports

After receiving a copy of my credit report, I noticed a number of inquiries and accounts not belonging to me and were not authorized by me. I've repeatedly tried to address this problem with the companies and the credit reporting agencies but to no avail. 

Fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am a victim of identity theft. There are several inaccuracies and inquiries on my XXXX credit reports. I didnt give anyone permission or authorization to open these accounts
Product: Debt collection

This is an entry for collection for a debt that says I owe a debt of {$550.00} to this company called XXXX XXXX XXXX. This a place whom I have never done business with. I have never opened an account with them. I never signed any contract with them for anything either. So they have the wrong person and this is inaccurately being reported and reflecting bad on my credit report. I bet they can not show you anything that I bought with them bearing my signature or a contract that I signed that shows that I owe them anything.