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

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 


XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$8300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX XXXX XXXX $ XXXX XXXX {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have sent in correct information to all credit agencies to have to update my addresses and remove any old addresses they may have on my personal information still have not done so i need this cleaned up or i will file law suit
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Mixed information on my credit report is showing accounts that are not mine, and its harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. ALLY FINCL account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( ALLY FINCL XXXX )
Product: Credit card or prepaid card

On New Years XX/XX/XXXX somebody applied for a JPMCB credit card and I received an e-mail notification from Chase stating that the decision will be mailed which is how I found out. I know I didn't apply for a credit card so when I go in my e-mail I can also see whoever it is is deleting the notifications from my e-mail. I immediately called Chase. It shows an address on my credit file that doesn't belong to me which is XXXX XXXX XXXX, XXXX XXXX MA XXXX Single Family. This is obviously the person ( s ) who applied for the card. They even changed my e-mail and phone number which Chase took care of. They also applied for a {$10.00} Chase reward card. My credit has been affected by this and this is not me. Please correct it as I don't want to be responsible for something that I did not do. Please advise on the matter. Thanks in advance. I also see that my birthday is wrong. I do not know why it shows as my daughters birthday as she got hacked on New Years too. My birthday is XX/XX/XXXX NOT XX/XX/XXXX. Please correct the information. Thanks in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX XXXX XXXX Account on my credit report that was opened fraudulently. I was not the one that opened this account. I have attached my FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Can't log in on web or the app it's charging my account every month And sending me emails but it crashing ever time I try to log in or get disconnected when I call
Product: Vehicle loan or lease

I was sent an email quote of {$18000.00} for a new XXXX XXXX by XXXX XXXX XXXX XXXX XXXX of XXXX, AZ on XX/XX/2020. When I talked to the salesperson by telephone a few minutes later, he said the financed price would be {$22000.00}. That price included taxes and fees but did not include a {$1500.00} discount that was in the original quote. I agreed to purchase the car at the quoted price of {$18000.00} and was unaware at the time that the {$1500.00} discount originally quoted was removed from the financed price. 

The car was brought to my home the next day, XX/XX/XXXX, along with the sales and financing contracts ( Deal # XXXX ). Due to coronavirus, I signed and became obligated on my front porch with both me and the salesperson wearing masks and gloves. 

After I signed the sales and financing contracts, the salesman took all copies of the contracts with him and left my house. I was not given a copy of the contract when I signed. After I both emailed and phoned the dealership, the contract was finally sent by postal mail 11 days after I signed. 

I contacted the company twice by email and once by telephone on or about XX/XX/2020, a few days after receiving copies of the contracts and raised my concern about the {$1500.00} discount that was deleted from the financing contract. They did not respond to my emails. The contract copies I was sent were not signed by the dealership. 

I filed a complaint with my state Attorney General. XXXX XXXX acknowledged in their responses to the complaint that 1 ) I was quoted {$18000.00} ; 2 ) the {$1500.00} discount was removed from the financed price ; 3 ) " copies of the contract were not left at the time the vehicle was delivered to the customer 's home because they had to be returned to the dealership and signed by the Finance Manager ''. 

XXXX XXXX later revised their explanation about not giving me copies of the contracts to " the customer never requested their copies upon signing and delivery at their residence ''.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> i mailed a letter stating that there was inaccurate information being reported an my consumer report, an i wont the company to update it with new information delete all old information 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ) states that consumer reporting agencies ( CRAs ) have 30 days to investigate and respond to a consumer dispute. Its been over 35 days an still has not got a response back
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the disputed accounts on my credit report. I have repeatedly raised the issue of inaccuracies in these accounts and have consistently requested thorough investigations. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are significantly damaging my credit file, hindering my ability to manage my financial affairs, and impacting my daily life. The negative consequences of these inaccuracies have caused immense hardships, leaving me no choice but to urgently seek your assistance in rectifying this situation. 

I kindly request that a comprehensive investigation be conducted into the reporting of each disputed account. It is imperative that the necessary steps are taken promptly to update and correct my credit report. Your immediate attention to this matter will help restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. 

I sincerely urge you to prioritize this issue and take swift action. Your cooperation and support in resolving this matter promptly will be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for taking the time to read the complaint. After reviewing all credit reports IC Systems placed a collection on the credit report from XXXX. I am requesting not a bill, however a signature to validate and possible contract.
Product: Debt collection

Hello, my credit score recently dropped stating that i opened a capital one account which i have no knowledge about.
Product: Credit reporting or other personal consumer reports

Companies are running my credit without my authorization, leaving hard inquiries which is fraud.
Product: Vehicle loan or lease

Gor misrepresenting the cost of credit and tricking its customers into high-cost loans on used cars. The car-buying experience turns into a nightmare for many of Credit Acceptances borrowers, who face unaffordable monthly payments, vehicle repossessions, and debt collection lawsuits. The joint complaint alleges that, among other things, Credit Acceptance hides costs in loan agreements and sets consumers up to fail. The complaint also alleges that Credit Acceptance violated New York usury limits and other consumer
Product: Checking or savings account

On XX/XX/XXXX, I instructed Bank of America to pay via XXXX {$160.00}. I found out that the intended receiver account had been hacked so Improceede to contact bank of america but had difficult time getting a life person. Finally on XX/XX/22 spoke to someone that understanding my issue, transferred the call to XXXX XXXX XXXX. After holding for more that XXXX XXXX my call was cut-off. I king of gave up as don't want to spend my time trying to have a conversation with BofA. I also received a request to evaluate my interaction with BofA and while the person on the line was very pleasant, I did point out that I failed to report the fraud since mu call was lost after an hour waiting. 
Yesterday,XXXX after talking to some family member the convince me to recontact BofA again another long process and after that I got the message : Soory we are closed try again during business hour. 

This morning, XX/XX/22 I was luck as it took less that XXXX XXXX to have my call answered and must say spoke to a very pleasant young lady, XXXX, she patiently took all the information and proceeded to dispute the transaction. 

I am disappointed that perhaps a more expedite action on the part of Bank of America could have helped stop this forgery activity from taking place and even more important flag these fraudster so other consumers don't fall for these scams.
Product: Mortgage

Bank is to pay home owners insurance and failed too make payment cause my insurance to be cancel. Had to get another company to insure home at double the cost. Bank will not cover the higher price saying it is on me. Before fixing the problem bank is to sale my loan to another bank so they will not have to take responsibility.
Product: Credit reporting or other personal consumer reports

MY CREDIT REPORT IS REPORTING 4 ACCOUNTS THAT ARE INACCRATE, UNVERIFIED AND ARE AVIOLATION OF THE FCRA. THE ACCOUNTS ARE REPORTING DIFFERENT DATES OF LAST ACTIVITY/STATUS DATES AND DIFFERENT AND INACCURATE PAYMENTS IN THE PAYMNET HISTORY BETWEEN EQUIFAX, XXXX, AND XXXX. THESE ACCOUNT WILL BE DELETED IMMEDIATELY. ( XXXX XXXX XXXXXXXX ) ( XXXX ) ( XXXX XXXX ) ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get information from this company for months now to show that this debt is mine and when did I sign for it. Still no response.
Product: Credit reporting or other personal consumer reports

Ive checked my credit report recently and noticed unauthorized inquiries on my report.
Product: Debt collection

This is an attempt to verify your method of verification as it pertains to an item that is currently being reported on my credit report as XXXX. According to the FDCPA and FCRA, validation must be 100 percent accurate. Make note that this is my request for your description of procedure that shows that I have a contractual obligation from the date this account was opened up until the date of last activity that this account and alleged balance is 100 % correct and accurate and based on the total you are stating is owed by me. 

Please provide to me the name, address, and telephone number of the person ( s ) who are verifying this alleged account that has been purchased or assigned from the original creditor or account holder that you are stating is your source for the inaccurate information that you feel is 100 % correct.

Im sure you are aware that a printout of a bill or a itemized document wont suffice according to the the FTC opinion letter from Attorney XXXX XXXX XXXX. 

Also, as I was reviewing my credit report, I noticed that my report was not properly coded as in dispute within 30 days of my last dispute. This is a violation of the Fair Credit Reporting Act. Compliance is required with the terms of this complaint within 30 days of your notification, or I expect complete removal from my credit profile. If not, I will exercise my right to file charges, contact the Federal Trade Commission and the attorney general, or any other relevant agencies or authorities. If necessary, I will also take civil action to recover my damages, This is my final attempt to demand compliance with the laws that you are bound to according to the FDCPA and the FCRA. If I need to, I will seek legal counsel for each violation, which is {$XXXX} per violation. This would include defamation in addition to various other violations that have been committed.
Product: Debt collection

Convergent Outsourcing , Inc. is trying to collect a debt they say I owed XXXX XXXXXXXX XXXX on XX/XX/2002. They claim I had an account with them. I never had any account with XXXXXXXX XXXX XXXXXXXX, nor have I ever heard of them. Furthermore, that is 20 years ago! I responded telling them the above information. They did not provide any verification, but instead are asking for personal information that they want notarized and are asking for a photo ID. I responded telling them that I do not owe any debt and am not going to send any personal information to them. I also informed them that they are attempting to collect a debt that is XXXX years old and is statute barred.
Product: Student loan

My name is XXXX XXXX. I currently have loans in repayment with FedLoan. I only bring home {$3400.00} each month. My household consists of my husband and my son. My husband has not worked since XXXX and can not work due to his condition. He has XXXX XXXX XXXX XXXX and is in and out of hospitals and requires several medications to try to keep his illness under control and avoid further progression. I am also a XXXX with multiple health issues including XXXX, XXXX, and XXXX XXXX XXXX. My youngest is a full time student and does not work. From my paycheck, I pay the following : Credit card debt approximately {$25000.00} ( I have had no choice but to use my cards to pay bills, medical appointments, medications ) Rent {$1100.00}, Transportation for myself for work and my son for school. {$600.00}, XXXX $ XXXX, XXXX {$200.00}, XXXX {$190.00}, Medical bills total owed so far in deductibles and copays {$5000.00}, food $ XXXX, medications XXXX Fedloan is requesting me to pay {$570.00} with the first payment due on XX/XX/XXXX. I contacted Fedloan today ( XX/XX/XXXX ) and spoke with XXXX who indicated that I could not change the amount I had to pay. There is no way I can pay this amount per month as you can see what my income has become. It would leave me with no resources for any emergent care my husband would require. Mind you, that the monthly payments listed does not include the credit cards. As indicated before, I have been using the cards to pay for certain bills. I am not saying I do not want to pay. However, I feel that I can reasonably pay the {$250.00} which is what I was paying previously. XXXX indicated that this is the minimum because it is a parent plus loan and I dont qualify for any other plans. However, this is basically setting me up for defaulting, would affect my sons education and our livelihood. This in turn can lead to my ending up homeless if I cant pay my rent. My rent goes up every year. I really need assistance. I want to pay but I can only pay what is within my means. I can be reached at XXXX. I thank you in advance for your assistance. <P/>FedLoan Account number : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) And the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$2800.00}, XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2300.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$460.00}, and XXXX  OF XXXX XXXX Date opened XX/XX/XXXX Balance {$7900.00}.
Product: Credit reporting or other personal consumer reports

These 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  These are all FRAUDULENT ACCOUNTS due to the Data Breach and Dark Web where my information was exposed. 
According to Section 605B of the Fair Credit Reporting Act. It gives the consumer the right to request that the Credit reporting agencies ( CRA ) to block the reporting of information that was a result of identity theft. And all These Accounts should be blocked from my consumer report.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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
Product: Debt collection

This debt is not mine It is possibly due to identity theft. I did not apply or benefit from this loan. 


Reporting to my credit reports, attempted to dispute and they continue to verify it as mine although it is not.
Product: Credit reporting or other personal consumer reports

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information reporting to my credit that is fraudulent reporting on my Trans Union. I have set a dispute several times I have address the issues with the creditor and they told me that they were going to remove and send the information to the bureaus to update it and they have not to do so the information is not my information and its fraudulent and information should be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX