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

My identity was stolen this summer. With my XXXX XXXX and XXXX, the criminal setup an account in my name with Experian to access personal info. I have been working for 5 months to get this account e-mail and phone changed to my e-mail and phone ( versus the criminal ). I was assigned case # XXXX by Experian. I e-mailed/faxed documentation in summer. No one will not reply to my e-mail messages. The membership number ( XXXX ) takes me to a chat bot that will not connect me to a human. I've called other Experian numbers, they all say I need to speak to membership ( I've been told this my fraud and also their main customer service number ). The one rep said that they even need to go through the chat bot. I feel like I've exhausted all my options. 

Police report is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Today 's date is XX/XX/XXXX i have tried on a few occasions to get rid of hard pulls that were fraud that i never applied for. Which I will fill you on the ones I am talking about. XXXX XXXX Inquiry from XX/XX/XXXX, XXXX  Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX and XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX. All four of these show up on my equifax and to the best of my knowledge i never signed anything or agreed for them to run my credit and would like removed off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$42000.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$45000.00} This complaint is my follow-up complaint to make sure the accounts are thoroughly investigated.
Product: Credit reporting or other personal consumer reports

Hey I just reviewed my credit report and I saw some fraudulent activities and its affecting my ability to gain credit
Product: Debt collection

Reference : Account # XXXX Delinquency reported since XXXX This Collection company, XXXX XXXX XXXX XXXX reports me in Equifax credit report company forever since this debt {$390.00}, which i am not owed them. I have been disputed with Equifax and this collection company many times since couple years as wrote and called them, but no resolving problem. Short story, around XXXX I was visited Dental office in my hometown, this office made mistaken by had done some things over charge, or unauthorized charge on my medical bill without my signature and approval in case of over limited health insurance. This cause me become the victim of collection fraud and bill fraud!!!! Pleas help me to resolve this problem not to harm my credit, and threat me fairly. Thank you! 
Note : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Client Medical/Health XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

The Bank is reporting inaccurate information to the credit bureaus. The account appears on XXXX as a closed account pay as agreed, however the same account do not appear on XXXX and XXXX Credit Reports. According to FCRA Rules all information must be accurate in all consumer credit reports.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Equifax permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report. 
XXXX XXXX XXXX - XX/XX/year> XXXX XXXX CARD SERV - XX/XX/year> XXXXL XXXX - XX/XX/year>
Product: Credit reporting or other personal consumer reports

Dear Credit Credit Bureaus, I am writing to express my deep dissatisfaction with the handling of my disputes regarding XXXX accounts that I strongly believe to be fraudulent and the result of identity theft. The accounts in question are XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX 

Despite multiple attempts to bring this matter to your attention, I have yet to see any meaningful resolution. I have repeatedly requested information under UCC 11 to validate these accounts, but to no avail. It is deeply concerning that despite my efforts, these fraudulent accounts remain on my record, in clear violation of federal laws. 

Furthermore, I have submitted an affidavit of identity theft, providing clear evidence of the fraudulent nature of these accounts. However, it appears that this important documentation has been disregarded, and a proper investigation into the matter has not been conducted. This failure to address my concerns could potentially lead to legal repercussions, and I am deeply troubled by the lack of action on your part. 

I am formally requesting that these fraudulent accounts be promptly removed from my credit report, and that all necessary updates be made without further delay. Enclosed with this letter, you will find a copy of the affidavit of identity theft that I previously submitted for your reference. 

Please be advised that this is my final attempt to resolve this matter amicably before considering taking legal action. I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to pursue all available legal avenues to ensure that my dispute is handled properly and in accordance with the law. 

I urge you to take immediate action to address this situation and rectify the errors on my credit report. I expect a prompt response within [ specify a reasonable timeframe ] confirming the removal of these fraudulent accounts. 

Thank you for your attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely, XXXX XXXX Enclosure : Affidavit of Identity Theft Social security number Lease with address
Product: Credit reporting or other personal consumer reports

I just obtained a copy of my credit reports and it shows a fraudulent account. Please see the attached copy of my dispute letters that were recently sent to the bureaus
Product: Mortgage

Rocket Mortgage will not stop calling me, sometimes 4 times a day after I let the know I had went with another lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT SHOULD BE SHOWN CLOSED PAID AS AGREED BMW ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THIS ACCOUNT IS BEING REPORTED WITH A BALANCE THAT IS NOT CORRECT
Product: Credit reporting 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 any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to file a formal complaint against XXXX XXXX  and XXXX XXXX XXXX regarding the misuse of my credit report, which violates federal laws and my consumer rights. 

I want to emphasize that I have already opted out previously from having my information reported, yet XXXX XXXX  and XXXX XXXX XXXX disregarded this opt-out and unlawfully reported information on my credit report, which is a clear violation of federal law and my rights. 

Furthermore, pursuant to 15 USC 1681 ( b ), which outlines permissible purposes for obtaining a consumer 's credit report, XXXX XXXX  and XXXX XXXX XXXX did not obtain my written consent to furnish any information on my credit report, nor did they provide me with the option to opt out. This is a direct violation of my rights under this federal law. 

Their actions also violate the Privacy Act of 1974, which mandates the protection of individuals ' personal information held by federal agencies and certain other organizations. By unlawfully reporting my information without my consent and ignoring my opt-out request, XXXX XXXX  and XXXX XXXX XXXX have infringed upon my privacy rights. 

Moreover, it is unlawful to report transaction history on a credit report without proper authorization, as stated in 16 CFR 313.7. This regulation prohibits the disclosure of sensitive personal information without the consumer 's consent, further highlighting the severity of these violations.

Additionally, 16 CFR 433.2, which addresses the preservation of consumer claims and defenses, is relevant in this context. This regulation ensures that consumers have the ability to assert their rights and defenses, including the right to dispute inaccurate or unauthorized information on their credit reports. 

I demand that XXXX XXXX  and XXXX XXXX XXXX immediately remove the inaccurate reporting from my credit report and update it to reflect that the debt is paid in full. Furthermore, I demand that they provide the following documents : the account lXXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX Failure to provide these documents would indicate that they can not prove that anything is owed at all. 

Moreover, I want to highlight that XXXX XXXX  and XXXX XXXX XXXX have committed identity theft by mishandling my social security number, which is a serious violation of my privacy and security. 

Neither XXXX XXXX  XXXX XXXX XXXX XXXX has the right to use the non-mailable addresses they have on file, and all communication must only be through the Consumer Financial Protection Bureau ( CFPB ). 

Failure to comply with these demands may result in further legal action. I expect immediate action to rectify these violations and ensure that my consumer rights are upheld in the future.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Report Act XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right privacy.

15 U.S.C 1681 Section 604 A. Section 2:11 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and seen there was accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act XXXX FRCA XXXX, section 623, subsection ( 8 ) ( D ). 
The following account is listed below : XXXX  XXXX  XXXX  # XXXX, XXXX  XXXX  XXXX  # 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

XXXX XXXX, XXXX : XX/XX/XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal mobile phone account opened at XXXX XXXX on XXXX, XXXX under the account number ( XXXX ) with a balance of ( {$3200.00} ), an account opened at XXXX on XXXX, XXXX under the account number ( XXXX ) with a balance of ( {$2200.00} ), a personal loan account opened at XXXX on XXXX, XXXX under the account number ( XXXX ) with a balance of ( {$720.00} ), a collections account opened at XXXX XXXX XXXX ( Account Number : XXXX ) on XX/XX/XXXX with a balance of ( {$480.00} ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

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 Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX 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: Credit reporting

Theres XXXX accounts 1 ) XXXX XXXX Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$7100.00} Past Due : {$2000.00} 2 ) US DEPARTMENT OF EDU Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : That I hhave been disputing since XXXX. I have submitted the disputes to Equifax directly along with a copy of my police report clearly showing these items on my report. I will fax it to you directly as proof.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections XXXX, XXXX ( f ) and XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I recently discovered that On XX/XX/year> I received an email from federal student aid indicating my loans from the XXXX XXXX would be discharge. The letter indicated that I did not have do anything. My loans would be automatically forgiven. On XX/XX/year>, I applied for borrower defense for the XXXX XXXX XXXX of XXXX. On XX/XX/year> I filled out an application for XXXX XXXX XXXX. On XXXX I received a letter in the mail from my XXXX, Aidvantage which stated " we received an overpayment for XXXX was owed a refund.Once contact information has been verified a refund will be sent within XXXX. '' If they determine I am not eligble, they would let me know. Once contact information has been verified a refund will be sent within XXXX. '' I verified my address with Aidvantage at least XXXX times since. My aidvantage account does not reflect and discharge or refund processing. I believe putting in XXXX recent borrower defense applications may have restarted the review process. The servicer keeps ensuring that is not the case. the XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and Aidvantage only see the status of my recently submitted applications. which is in review.
Product: Debt collection

I applied for a credit card way back in XXXX I was working a lot at the time and my credit was perfect I had no credit trouble. Then hard times came I bought a home over inflated in XXXX right before the housing crisis. Then work slowed so I had to cut back my bills. Unfortunately this credit card capitol one being the card was not at all trying to work with me, so I was left with no option but to not pay. They would take money and charge so much interest it was as if I never paid them anything. Then when I asked about making a deal I was resoundingly told no. So after 7 years I checked my credit report after years of abuse from creditors that I recently found out were banned from collecting debts in the first place! Phone calls at all hours, threats of credit ruin, threats of being sued, I was afraid to keep money in my bank account because I thought they would take it. It was really bad and I didnt know being in my XXXX that it wasnt legal to do that. Which brings me to my main complaint, I am now XXXX years old! This account is soooo old and it shouldnt be delinquent on my credit report still!!!! Even after a dispute they just said we dont agree with the dates the consumer stated were true! Outrageous! I opened this account when I was in my XXXX I am XXXX! They keep moving the date up of when I opened the account and it just keeps hanging on my credit report. Capitol one is the worst bank I have ever dealt with in my entire life! Please help if it is possible.