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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my fraud claim. 

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within XXXX business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XXXX As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of XXXX year, after which I XXXX request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 

I have contacted Experian several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 

Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required XXXX period. 

I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining. The following inquiries must be removed from my credit report IMMEDIATELY : - XXXX XXXX || DATE OF INQUIRY : XX/XX/XXXX - XXXX XXXX XXXX || DATE OF INQUIRY : XX/XX/XXXX - XXXX  XXXX XXXX || DATE OF INQUIRY : XX/XX/XXXX - XXXX  || DATE OF INQUIRY : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

PLEASE REMOVE THE FREEZE ON MY CREDIT REPORT. SEE ATTACHED DOCUMENT.
Product: Credit reporting or other personal consumer reports

I've disputed 3 times already to Experian to correct my personal information, my current address & date of birth, also 2 credit card accounts, but they have not corrected this yet. I've sent you sceenshots of my credit reports as of XX/XX/year> highlighting my discrepancies. Only Experian is displaying this information incorrectly & inaccurately. Please get my personal info corrected & those 2 unknown credit card accounts deleted from my profile. Thank you very much.
Product: Debt collection

XXXX XXXX/Commenity bank has called my brother in law, and parents regarding the debt I owed. They told me I need a lawyer to represent me or pay the card in full {$3600.00}. When I said I could not do that they said I need to pay {$1000.00} to make the account current. This is completely embarrassing and they are calling multiple family members.
Product: Credit reporting

Listed one of my employers as XXXX ; I only have one employer XXXX
Product: Credit reporting or other personal consumer reports

This is the account Ive marked as inaccurate. 
Collections Account XXXX XXXX XXXX - XXXX
Product: Credit card or prepaid card

XXXX credit card issued by XXXX XXXX. I closed card due to fraud charges, account was set up on autopay. XXXX refunded me personally by check after investigation in the amount of XXXX approx. Account closed with XXXX balance. Was on credit report as closed and XXXX and in good standing. About 3 months ago started getting bills for this account with a balance. Called numerous times, XXXX  claimed they refunded me before merchants credited and caused overage. Advised that was an issue with them and the merchant. They are now billing the account and reopened the account with out permission. Managers refuse to call back. The account should be closed with XXXX balance per fraud. It isn't the consumers issue when they fail to do a proper investigation or account review and make a refund error.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 


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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On XX/XX/XXXX I received the closing details for a refinance. I provided the ACH details and received the amount I had to pay to close on my original loan. From XXXX I received no information other than the closing date was XX/XX/XXXX. On XX/XX/XXXX I closed. The closing docs listed the same amount of cash to close I was required to pay. I confirmed the funds were in the account. The closing disclosure doc listed both the cash to close and the disbursement of funds date of XXXX I confirmed with the settlement agent that the funds would be paid before XX/XX/XXXX so that my original loan did not go past 30 days and he confirmed. On XXXX I called the mortgage company and they informed me there was an issue with the ACH because the cash to close amount was incorrect so the funds were never disbursed and a 30 day late was posted on both my credit as well as my wife 's. When I asked why, thy said on a recorded line that there was a backlog of documents, which is why I was never contacted. They said I needed to pay more money to wire funds to close the mortgage. The amount I had to pay was the exact same amount so they must have paid the difference. Their neglect and inability to communicate with me caused a negative impact for both my wife and me. My wife is not even on the new mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, I entered into a deferment with Toyota Financial for several months due to the covid and losing employment. My deferment was ending in XXXX of 2020. I was turning the vehicle in as early lease termination since the lease would be up in a few months anyway I could no longer pay for it due to the impact of Covid. On XX/XX/XXXX I was admitted to the hospital for emergency XXXX. Which I provided documentation. On XX/XX/XXXX I became extremely ill and was hospitalized and tested positive for XXXX. I remained in the hospital until XX/XX/XXXX. I was still under XXXX  due to a lingering XXXX  and on and off again XXXX. ( documentation provided ). I called Toyota Financial immediately and told them I couldn't return my vehicle until I was released from quarantine. I was released on XX/XX/2020. I called Toyota and was told someone would call me back within 10 days. On XX/XX/XXXX I called them since no call was received. They told me to find a local dealer and return the vehicle. I returned the vehicle on XX/XX/XXXX ( documentation provided ). I told them I was concerned about the credit reporting. The supervisor told me she would make a note to the account and I could dispute it. Which I did, two times with Toyota financial and two times with all 3 bureaus No one removed the 30 days late. This is unfair and It was a result of a pandemic and being contagious with a serious virus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous letters sent, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$3900.00}
Product: Debt collection

I received an alert from XXXX XXXX of a New Collection Account detected XX/XX/XXXX. I called the Sunrise Credit Service , Inc. ( XXXX ) XXXX the same day and discovered I had an outstanding balance with XXXX XXXX XXXX of {$2100.00} from charges made in XXXXXXXX XXXX XXXXXXXX. I did not make these charges. I do not know what these charges are for. I do not know who made these charges. Someone used my name and social security number to make these charges- which means I'm a victim of identity theft. The phone number, email and address used to make these charges are not mine and have never been mine. Sunrise Credit Service sent me Identity Theft Victim 's Complaint and Affidavit form to fill out - which I did and submitted XX/XX/XXXX. My incident number for that submission was # XXXX. I was again notified with an alert from XXXX XXXX of a New Collection Account detected XX/XX/XXXX. It was by the same collection service for the same charge. Apparently my identity theft claim had been denied by XXXX XXXX XXXX. Using XXXX XXXX XXXX XXXX online portal I protested the ruling, incident number # XXXX on XX/XX/XXXX. That day I received an email from XXXX XXXX XXXX acknowledging my inquiry & stating a time frame for a response from them of 14 days. Since this time I have filed a police report and am going through XXXX XXXXXXXX XXXX  service to help protect me from someone using my name and social security number again. 1. I never received information about what the charges specifically were from either XXXX XXXX XXXX  or Sunrise Credit Services. 2. I never received notice of denial from my Identity Theft claim with XXXX XXXX XXXX. 3. I have been unable to find out why it was denied- which according to the police is my legal right. 4. I have yet to hear the results of my appeal from XXXX XXXX XXXX from XX/XX/XXXX. 5. I have been unable to make contact with an XXXX XXXX XXXX customer service professional in the fraud department despite calling multiple times and being on hold for over XXXX documented hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a free annual credit report, XXXX XXXX XXXX, after filling out all information XXXX and equifax indicated it was unable to provide. I must send additional information via the mail and wait 15 days for proessing and further days to mail and recieve. Only XXXX was available online. I believe service by the other 2 reporting agencies is a delay tactic and they no longer provide your credit score.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a dispute letter to Experian along with my ID I received an email on XX/XX/2023 that it does not appear to be sent by me. I did send the letter and I feel that they are violating my rights by stalling and not having to look into the account. This is not the first time Experian has done this to me. I sent letters on these dates for the same account and received the stall letter each time XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and now XX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiries were not authorized by me. Never having given my permission for them to inquire about my credit status, they were unauthorized by me. 

XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRY : XXXX XXXX
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, CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 XXXX
Product: Debt collection

This is ridiculous I paid this not even knowing if it was a bill I owed because it was reported on my credit and it still reports as if I owe. I have disputed and it is still on there. Please help get this account removed Phoenix Financial # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX - ACCOUNT NUMBER XXXX XXXX/ XXXX XXXX  ACCOUNT NUMBER XXXX XXXX XXXX XXXX  XXXX - ACCOUNT NUMBER XXXX & XXXX XXXX XXXX  ACCOUNT NUMBER XXXX Never ensured that each periodic statement including the information required by section 1637 ( b ) of this title was mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date, this information was requested in good faith pursuant to rule 1002 and was never provided by XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER. This is an infringement upon me as a consumer and my rights to privacy. This account is unfair to me, illegal, fraudulent, and is not equitable to me as a consumer and this negative account is harming my XXXX XXXX. Delete this negative account and any late payments from my credit report. Thank You
Product: Credit reporting or other personal consumer reports

there are numerous inquiries in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : CXXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX  inquiry date XX/XX/XXXX XXXX XXXX XXXX  XXXX inquiry date XX/XX/XXXX
Product: Checking or savings account

Someone has tried to open a Bank of America account in my name. I am unsure of the correct course of action. XXXX searching suggested to come here and open a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

loan company illegally ran my credit for a consumer loan that i did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a major credit card with XXXX Mastercard. Recently XX/XX/2021 I entered into an agreement with them for 6 months with this card. The agreement is to pay {$50.00} per month at an interest rate of 5.9 % for the 6 months. I was told on XX/XX/2021 that I need to make the first inital payment of {$50.00} which I did with the rep. Going forward I also agreed to have the payments come out of my account each month. I confirmed that the account would be considered in good standing and current. I was assured " yes ''. On XX/XX/2021 I received a text that the account is past due. I immediately called XXXX mastercard and was told that I need to make another {$20.00} payment. I made the {$20.00} payment. I asked why is the account reporting now as late when I was assured after I made the {$50.00} payment the account would be considered current. I would have paid the {$70.00} if that is what they were requiring to go into this program on that day instead of the account showing as late. I am upset at the fact that I might be charged a late fee and in addition that it's going to be reported to the credit reporting agency 's again. I have been disputing with them about 2 negative remarks that are already reporting when in fact I went through this with them back in XXXX when the pandemic hit.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against [ Credit Bureau Name ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ Date of Credit Report ], I discovered discrepancies in the following account ( s ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under Section 611 of the FCRA , I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX bank any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.