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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$420.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$660.00} XXXX XXXXXXXX Balance Owed : {$100.00} ; XXXX XXXXXXXX Balance Owed : {$8300.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I did not grant permission for these investigations and firmly suspect they are deceitful. I implore you to carry out a comprehensive examination and promptly expunge them from my credit history. I have submitted corroborative evidence for your assessment.
Product: Credit reporting or other personal consumer reports

EQUIFAX, XXXX, AND XXXX HAVE VIOLATED FEDERAL REPORTING LAWS AND ACTS. 
IT IS ILLEGAL TO REPORT PERSONAL BANKING TRANSACTIONS, AND KNOWINGLY REPORTING INACCURATE INFORMATION.

IT IS ILLEGAL TO REPORT INCOME AND TRANSACTION HISTORY AND INACCURATELY.

CONSUMER REPORTING AGENCIES MUST CORRECT OR DELETE INACCURATE, INCOMPLETE, OR UNVERIFIABLE INFORMATION, AND STOP REPORTING ALL NON MAILABLE ADDRESSES *VIOLATION OF SECTION 623 ( E ) OF FCR ACT * VIOLATION OF SECTION 86C OF Consumer ACT OF 1974 Violation of FCRA OF 1971 VIOLATION OF PRIVACY ACT OF 1974 VIOLATION OF FEDERAL CONSUMER FREDIT PROTECTION ACT VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT.

VIOLATION OF SELLING PRIVATE INFORMATION TO NON AFFILIATE 3RD PARTY VENDORS, FOR PROFIT, WHILE CHARGING A FRAUDULENTLY OPENED ACCOUNT BY A DEBT COLLECTOR ACTING AS THE ORIGINAL CREDITOR XXXX XXXX XXXX 
XXXX XXXX AND XXXX AND XXXX AND EQUIFAX HAVE CREATED A MANIPULATIVE MONOPOLY TO ENTRAP CONSUMERS TO PAY FOR INACCURATE REPORTS AND ARE DENYING CONSUMERS MALICIOUSLY AFTER OFFERING GUARANTEE APPROVAL
Product: Mortgage

I HAVE BEEN ATTEMPTING TO COMMUNICATE WITH FREEDOM MORTGAGE SINCE MY FATHER PASSED AWAY. EVERY SINGLE PERSON I SPOKE WITH ASKED FOR DOCUMENTS SUCH AS MY ID, DEATH CERTIFICATE, AND BIRTH CERTIFICATE. FINALLY OF MONTHS TRYING TO COMMUNICATE I AM TOLD I NEED A LETTER OF ADMINISTRATION. I ASKED FREEDOM MORTGAGE HOW DO I OBTAIN THIS LETTER? THE REPRESENTATIVE TOLD ME I NEED TO GO THROUGH PROBATE FOR THIS, AND SO I DID. THE REPRESENTATIVE AT FREEDOM MORTGAGE NEVER EXPLAINED TO ME THAT THIS PROBATE IS A PROCESS AND IT TAKES TIME TO GET THESE LETTERS OF ADMINISTRATION. I HAVE BEEN COMMUNICATING WITH FREEDOM MORTGAGE WHAT THE OUTCOME OF MY COURT HEARINGS HAVE BEEN. TODAY I AM FINALLY GIVEN THE LETTER OF ADMINISTRATION BY THE COURT HOUSE AND FREEDOM MORTGAGE IS NOW STATING THEY ARE UNABLE TO ASSIST ME WITH POSTPONING THE TRUSTEE SALE DATE OF XX/XX/year>. I HAVE DONE EVERYTHING THAT FREEDOM MORTGAGE HAS REQUESTED OF ME. I HAVE ATTEMPTED TO COMMUNICATE WITH FREEDOM MORTGAGE EVERY SINGLE STEP OF THE WAY WITH THIS ENTIRE PROBATE MATTER.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX Dear Experian Dispute Department , I am writing to formally dispute inaccurate information on my credit report under 12 CFR Part 1002 ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

Upon reviewing my credit report, I have identified factual errors in the reporting of the account from XXXX XXXX XXXX  ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Inaccurate Reporting of Delinquencies ( 12 CFR 1002.4 ( a ) Prohibited Misrepresentations ) The account was charged off in XX/XX/XXXX, but late payments continue to be reported through XX/XX/XXXX. 
Once an account is charged off, new missed payments should not be reported because the debt is no longer an active, revolving obligation. 
This misleading reporting creates continuous damage to my credit score and violates 12 CFR 1002.4 ( a ), which prohibits misrepresenting the status of a credit obligation.

Contradictory Account Information ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The account shows a credit limit of {$700.00}, but the reported balance after charge-off is {$970.00}, which exceeds the credit limit.

This suggests either improper reporting of fees or a balance that was inaccurately updated after charge-off.

This violates 12 CFR 1002.6 ( b ) ( 6 ), which requires credit information to be reported accurately, including correct balance and credit limit details.

Failure to Provide Accurate Account Status ( 12 CFR 1002.10 Furnishing of Credit Information ) The balance history shows that no payments have been made since at least XX/XX/XXXX, yet the report continues to mark the account as actively delinquent every month. 
If the charge-off occurred in XX/XX/XXXX, ongoing delinquencies should not be reported because the account is no longer accruing new missed payments. 
This failure to update the account properly violates 12 CFR 1002.10, which mandates that creditors ensure credit information is accurate and current. 
Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information requires that reported credit data must be correct and updated. The erroneous delinquency reporting violates this rule.

12 CFR 1002.9 Notifications requires that adverse actions based on credit reporting be properly communicated. This reporting error constitutes an adverse action that has not been properly disclosed.
Product: Debt collection

The account was opened XXXX XXXX with XXXX XXXX connect by my then fiance without my knowing and i had no clue that the account was opened until after we were divorced in XXXX XXXX and i found out after the dissolution was made. The file was sold to XXXX XXXX XXXX and i never received notice that it was in debt of {$720.00} and now being sued
Product: Debt collection

I was monitoring my credit report and noticed a collection from Wakefield and Associates. I contacted Wakefield and Associates since this is the first time I've ever heard of this debt. Wakefield and Associates provided very little information on the debt ... They  stated they tried to contact me once by mailing me a letter. This letter was mailed to my emergency contact 's address on my medical forms and not to me. When I asked them to provide the contact information of the original creditor. All they could provide me with was an abbreviation of XXXX XXXX XXXX XXXX but they do not have an address or phone number for their own client. They told me the services was provided by a Dr. XXXX but the hospital where are the services were provided has never heard of a Dr. XXXX ... .. 
Lastly, I had insurance when I went to this hospital. There was a dispute between the doctor and the insurance company over the bill due to a incorrect diagnosis by the doctor. The doctor provided medication which worsened be conditioned and I had to be reefing at a medical facility which corrected the problem. Therefore the payment dispute lies between the insurance company and the doctor 's office and not me.
Product: Debt collection

I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet. Erase this on my report as it truly influences my credit standing.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$18000.00} do not have a file with this company XXXX XXXX XXXX XXXX  XX/XX/XXXX {$10000.00} ll do not have a file with this company XXXX XXXX XXXX XX/XX/XXXX {$480.00} do not have or know who this company is flexshopper incc XX/XX/XXXX inquire that i dont know XXXX XXXX XX/XX/XXXX inquire that i dont know XXXX  XXXX XXXX XX/XX/XXXX inquire that i dont know XXXX & XXXX XXXX XX/XX/XXXX inquire that i dont know XXXX XXXX XX/XX/XXXX XXXX been paid off XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX paid off this credit file has a freeze active and fraud aleart as well so how is this file getting new inquires while a freeze and fraud aleaert are active.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Parties involved is my XXXX XXXX XXXX Card- Account Number ending in XXXX which closed back on XX/XX/XXXX but I still have a owing balance of {$390.00}, The problem is 1. XXXX has my closing date recorded incorrectly showing XX/XX/XXXX, but it should be XX/XX/XXXX. { Can you please have them correct. } 2. Equifax is not reporting this account at all on my credit report. 
3. XXXX is not recording this account at all on my credit report.
Product: Debt collection

I reached out to this company today, XX/XX/2022, to set up a payment arrangement on my account as I am unable to pay it all at once. I was told by the extremely rude collector that they will not accept a payment for anything less than the balance in full. I tried explaining it but the collector was so rude so I just ended up hanging up. I called back a few hours later and asked for the mailing address so I can mail in payments since they are refusing to schedule the payments for me on the dates that I am able to pay. I was told that if I mail in a payment they will just shred it and not apply it to my account. I have no issues paying, however, I am unable to pay it all at once and this company is not working with me whatsoever. I also asked to speak with a manager multiple times but was refused that option as well. I feel extremely bullied by this company and their practices.
Product: Credit card

On XX/XX/year> I had went to a XXXX XXXX location at XXXX XXXX XXXX XXXX, VA XXXX. At the time of check out I was asked if I was interested in the promotional 10 % savings when opening their credit card. I asked if this was a quick process, they replied yes, so I opted to open the account and save on my purchase. 

My total in purchases was {$180.00}, so a {$18.00} savings would have been received. Upon the completion the cashier informed me that XXXX XXXX needed additional information, but it would be ok, you can return when you get the card and we will issue you the refund when you have the card -- Her name being, XXXX. 

When I returned 3 weeks later with the card, the manager would not honor the offer and I simply asked why this was the case. Her response is that the only way to do this is to return all the items, then repurchase the items with the card. I said, ok... well here is the receipt of the items I purchased, so please proceed with the refund to card A and charge to my new TJ Maxx Card. She responded, this was not possible being that you do not have the items with you. I said, for staters this is not what your cashier informed me 3 weeks ago, and second, why does it matter? You can clearly see the items I purchased are on the receipt and you just said you could return the items I purchased ( hence the receipt ) and reapply these items to my new CC.

Now, to me this seems to me as a bait and switch credit card incentive, and the fact that they did not honor the 10 % offer is just poor management.

Yes, I would like them to honor the promotion, and close the account
Product: Credit reporting or other personal consumer reports

these inquiries are the result of identity theft, please remove them. XXXXXXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX ( Retailer ) XXXX XXXX ( Bank XXXX XXXX ( Retailer )
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Product: Credit reporting or other personal consumer reports

I got a notification that my credit score had dropped I pulled the report from my credit sesame account and showed my score had dropped XXXX points from my score being in the XXXX range now down to the XXXX range So I checked nothing was late or over 30 days late like my mortgage or car loan. 
I only had one credit card that went over the credit limit I checked the report on XXXX it was in the XXXX range then on XXXX it dropped XXXX points. 
Even if my some of credit cards are a little high you dont drop XXXX points I feel this should be corrected cause this is wrong I am XXXX XXXX partial retired and had a XXXX XXXX XXXX XXXX XXXX XXXX 
Please have Transunion correct this score it is wrong and unfair I always kept my credit up.
Product: Credit reporting or other personal consumer reports

I Have Alot Of Finance Hard Inquires On My Account That I Dont Recognize, Ive Been Trying To Get Help On Removing Them For Awhile Now, I Havent Gave Anyone Permission To Run My Credit, I Havent Gave Any One Permission To Do Anything With My Credit, This Has Been Happening For Awhile Now And It Has Brung My Credit Down So Much.
Product: Debt collection

Somethings suppose to be removed off my credit report thats been closed out and they want remove it
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the fraudulent accounts listed below be blocked and permanently deleted from my credit report as I am a victim of identity theft. Under 15 U.S. Code 1681c-2 ( a ) ( Section 605B of the Fair Credit Reporting Act ), I have the legal right to request the immediate removal of fraudulent information associated with identity theft from my credit file.

Fraudulent Accounts to Be Deleted : XXXX XXXX XXXX XXXX  Account Number : XXXX Fraudulent Amount : {$240.00} Date Discovered : XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Fraudulent Federal Student Loan ) Account Number : XXXX Fraudulent Amount : {$4700.00} Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Legal Basis for Request :

According to 15 U.S.C. 1681c-2 ( a ) ( FCRA Section 605B ) : " A consumer reporting agency 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 of a request from the consumer to block such information. '' Requested Actions : Block and permanently delete the fraudulent accounts from my credit report. Provide written confirmation stating that these accounts have been removed. Send an updated copy of my credit report reflecting the corrections. Timeframe for Compliance : As required by FCRA Section 605B, you are legally required to process this request within 4 business days from the date of receipt. If you require any additional information, please contact me immediately using the contact details listed above. I appreciate your prompt attention to this matter and expect confirmation of the deletion of these fraudulent accounts from my credit file. 

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

Hi, I have been exposed to identity theft and there is no way XXXX XXXX XXXX should have my information! Please remove this fraudulent account off my consumer report immediately!
Product: Debt collection

This company ( WFDS ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$24000.00} with XXXX, XXXX, and XXXX  credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reporting that I have missed 3 payments since XXXX, and have a {$200.00} balance. I have called and verify that I havent missed a payment and am in good standing, and was told that I would have to contact each of the credit individually to fix this error in reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  account Number : XXXX Has reported that my account has been charged-off while continuing to report a balance. According to the IRS Code ( Internal Revenue Code - IRC, 6050P ), when a debt is canceled and claimed as a loss, a 1099-C form should be issued to declare that cancellation as taxable income. I have not received such a form.

and still continue to report an outstanding balance to the credit bureaus, which constitutes a violation of the FCRA.

And also, I believe that the information currently reported is inaccurate and potentially incomplete, violating the requirements established under the FCRA, 15 U.S.C. 1681e ( b ), which mandates that all entries in credit reports must be complete, accurate, and verifiable. 

The balance of {$5100.00} exceeds the original credit limit of {$4500.00}. This needs to be clarified, as it could represent unauthorized interest or fees beyond the original terms of the agreement. 

In previous disputes, no evidence was provided to substantiate the accuracy of the reported data. I request that you initiate a detailed investigation with XXXX XXXX to confirm the validity of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat, payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Report : # XXXX Date of birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX Fl. XXXX XXXX : # XXXX To Experian XXXX. XXXX XXXX XXXX, TX XXXX Soc : # XXXX XXXX XXXX Driver Lic : # XXXX Phone : # XXXX My name is XXXX XXXX XXXX, and. I resign at a bow address. I request my Credit Report last month and I apply a credit free. 
I would like to know the cost to get my Credit History and my Credit Score whether by email or by regular mail. From the CFPB as soon  as possible. 
Im requesting my Credit History and Credit score from between XXXX through XXXX. 
I saw a lot of unfamiliar activity on my Credit Report that Im disputing and requesting removal. 

I am writing to dispute all of the following Information that appears on my Experian report. 

1 : XXXX  : Acc # XXXX Ive no recollection and I got no bill in the mail. 
2 : # XXXX : Acc # XXXX Ive no recollection and I got no bill in the mail 3 : # DIVER : Acc # XXXX XXXX Disputing the Red C. I owe XXXX nothing. 
4 : # XXXX// Acc : # XXXX XXXX No recollection never got a bill in the mail 5 : # XXXX XXXX XXXX # XXXX XXXX Acc : # XXXX. Disputing the Red I had no affiliation with any of these accounts or recognize the accounts in question A : # XXXX/XXXX Acc # XXXX B : # XXXX XXXX Acc #  XXXX C : # XXXX/XXXX  Acc # XXXX D : # XXXX/XXXX   Acc # XXXX XXXX : # XXXX/XXXX Acc # XXXX XXXX : # XXXX Acc # XXXX Enclose copies of Soc and Driver LIC Sincerely your XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at q copy of my credit report and noticed several inaccuracies on my account. This account is hurting to obtain credit. Its my understanding that the credit bureaus will be investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate. 

Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I want file a dispute on all XXXX credit bureaus and a debt collection about a card that I didnt use exactly my card was lost and somebody made a purchase XXXX on my credit card I been going through a lot so when I seen this and Im glad they closed the account but now its on my credit as a debt collection and I want it to be remove immediately because its slowing down my credit most of them inquiries is false and did even go through or happen I want to remove them too immediately the collection agency have gave false misleading practices violating annual XXXX and not only I didnt tell the debt XXXX to buy that debt to add to my credit report and they never sent a letter to my address or I never got it stating that I can dispute this debt in a certain amount of time 15 usc 1692c state that if the consumer notifies a debt collection the consumer must decease any communication thank you so much have a bless day. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX, received a collection notice from a collection agency citing I owe a debt to XXXX XXXX from XXXX This is inaccurate I do not owe any money to XXXX XXXX In this collection letter it does not inform me that I am able to dispute this debt. This is one of many times I have disputed this debt with this same collection agency for this same debt. my cease and desist has been ignored.