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

I have been a XXXX overseas for 22 years. When I saw my credit used in the USA and I was not in the USA I sent all 3 credit FICO agencies every required evidence as well as the companies claiming they had lent money to me. Now I have two companies not removing their reports. They are XXXX XXXX and XXXX XXXX today and the algorithm is falsely claiming they are true plus XXXX XXXX now says I have a late payment I have XXXX late payments I also am not the owner of the loans taken I have proof of identity theft and I want these companies removed who keep this fake evidence on my report
Product: Debt collection

on my credit report I have a collection of {$950.00} from a company called XXXX Collections. I do not know this company or know what this collection is about.
Product: Credit reporting or other personal consumer reports

On my credit report there is incorrect address information listed as I never lived at any of these addresses. The incorrect addresses listed on my credit bureau are listed below : XXXX ) XXXX XXXX XXXX XXXX XXXX, Florida XXXX and XXXX XXXX XXXX XXXX Florida XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Finance Protection Bureau, I am writing to bring to your attention a serious issue that I have been facing with fraudulent inquiries made on my credit report with all three credit bureaus ( XXXX, Equifax, and XXXX ). Despite numerous disputes that I have raised with the credit bureaus, they have refused to remove the fraudulent inquiries, which is causing me undue stress and financial harm. Please see below a list of inquires I want removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPT OF ED, XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), credit bureaus have a legal obligation to maintain accurate and up-to-date information on consumers ' credit reports. They must also take reasonable steps to verify the accuracy of the information that is reported to them, and remove any information that is found to be inaccurate or incomplete. 

In my case, the fraudulent inquiries that have been made on my credit report are affecting my credit score and making it difficult for me to obtain loans or credit. I have made repeated requests to the credit bureaus to investigate and remove these fraudulent inquiries, but my requests have been ignored or denied. 

I demand that the credit bureaus take immediate action to investigate the fraudulent inquiries and remove them from my credit report in accordance with their obligations under the FCRA. I also request that you take appropriate action to enforce the provisions of the FCRA and hold the credit bureaus accountable for their failure to comply with their legal obligations. 

Thank you for your prompt attention to this matter. I look forward to a resolution that will help me restore my credit standing and repair the damage caused by the fraudulent inquiries. 

Respectfully, XXXX XXXX Formally known as XXXX XXXX
Product: Credit reporting or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX, several accounts were opened under my name without my knowledge or consent. These fraudulent accounts were the result of actions taken by individuals who exploited me during a period when I was a XXXX XXXX XXXX XXXX. Specifically, the accounts with XXXX XXXX XXXX ( opened XX/XX/XXXX, with a balance of {$840.00} ) and XXXX XXXX XXXX ( opened XX/XX/XXXX, with a balance of {$3900.00} ) are not legitimate and do not reflect my true financial history. 

Upon discovering these fraudulent accounts, I took immediate action by filing a police report and gathering the necessary documentation to support my claim of identity theft and victimization. I have contacted both the credit bureaus and the companies involved, requesting that these accounts be removed from my credit report as they were established under fraudulent circumstances. 

Despite these efforts, these accounts remain on my credit report, negatively impacting my credit score and financial standing. I am seeking the removal of these accounts from my credit report and any associated derogatory information as per the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX Protection Act ( TVPA ). 

I appreciate your prompt attention to this matter and look forward to a resolution that corrects these inaccuracies on my credit report.
Product: Debt collection

XXXX sold to Jefferson Capital System for collection. 
Date Opened XX/XX/2022 with Jefferson Capital System {$250.00} Account Number ( s ) : XXXX {$420.00} Account Number ( s ) : XXXX {$600.00} Account Number ( s ) : XXXX This debt has been disputed multiple times and they continue to resale this same debt and accounts to new collections agencies. This is fraudulent account and they are attached to the police report for identity theft but the collection agency keep selling the debt to new agencies. I have directly disputed these same three accounts with the creditors and other agenies but this debt keep showing up on my credit report.
Product: Credit reporting

XXXX continues to place a collection account on my credit report. I have disputed this several times and they have previously removed, only to insert it back on my report again. The account is something regarding " online information services '' to which i have never had an account.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Re : Acct # XXXX AFNI, INC.  Partial account # XXXX XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I owe {$80.00} as of XX/XX/XXXX, collection account. $ XXXX Monthly payment past due as of XX/XX/XXXX, This is a formal notice that your erroneous claim is now disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( XXXX XXXX XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC :  Attorney General 's Office CC : XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I had spoke to one of the workers at a checksmart  letting her know that i would be able to pay on my loan on XX/XX/2019 and it was before the XX/XX/2019. I was expecting my paycheck to be in my account on the XX/XX/2019 but checksmart took my whole paycheck. I'm angry i have rent and other bills to pay on top of that I'm getting my children back so imagine how upset and angry i am.
Product: Credit reporting or other personal consumer reports

I HAVE PERSISTENTLY CONTESTED THE INACCURACIES IN THE INFORMATION PROVIDED TO EQUIFAX, XXXX AND XXXX. UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED AS OF NOW. 


Equifax : REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX : REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX : REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, NV, XXXX XXXX XXXX - XXXX XXXXXXXX XXXX  XXXX - XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, I didn't authorize these inquiries listed, and the name is incorrect on my credit profile
Product: Credit reporting or other personal consumer reports

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

15 U.S. Code $ 1681c-2 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 allege identity theft, not later that 4 business days after the date of receipt. it has been 30 days and your are in violation of this law because i am a victim of identity theft!!!! please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion to the accounts listed IMMEDIATELY!!!!
Product: Credit card or prepaid card

Received letter dated XX/XX/19 closing account to dishonored payments. Upon inspection I have made several calls and payments in the last 3 months since Synchrony Bank has taken over this account for Sams Club. I have also received two refunds for late fees. I have made over a dozen calls to Synchrony Bank to get this corrected as it may effect my credit and we are looking at buying a new car. I pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a student thats currently reporting on my credit report with Dept of EducationXXXX . I did not agree to the terms of this loan nor did I sign a promissory note agreeing to these terms. And according to the FCRA they can not report this account to my credit file.
Product: Credit card

I work for a XXXX  company. I was supposed to get XXXX done, but due to my XXXX  advice I did not do any XXXX. So the account was supposed to be closed out but it wasnt and now past due payments are being reported and now there is a delinquent on my account. This has never happened to me before.I have been battling with it since XXXX. I have reached out to each party involved and things have only gotten worse. 
Its been XXXX  Months and this affected my credit score significantly. 
I do not owe any money because I did not do any XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I called Lexis Nexis after getting declined for a checking account they stated they needed to verify where I live I send my passport, social #, and XXXX XXXXXXXX card with name and year.. they declined on XX/XX/year> on this day I mailed to Lexis Nexis..passport, ss #, Department of Justice letter that has my address, a post office invoice with my address from my local post office with the same zip code, a adverse action letter from bank where they declined me a checking account on XXXX XXXX with my living address.. ohio food stamp card, XXXX XXXX  XXXX 
I'm requesting at this point for them to except the documents that where send, if not I will take further action against Lexis Nexis.. if they choose not to except these documents please stop sending me mail to this address and take this address off my credit report immediately because it's a violation and please send me proof that you took this address off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus seem to throw my letters out or do not do anything on my file. I have late payments that are not true. I want the inquiries I did not authorize removed. I have several accounts that do not belong to me. My addresses are wrong as well. I am attaching a letter of explanation.
Product: Debt collection

I received a call from TSI stating we owed {$1000.00} for unpaid balance to XXXX XXXX from XXXX, XXXX. It was my name on the complaint but the address was XXXX XXXX XXXX XXXX, XXXX MN & we sold that house in XXXX. This call came in on XX/XX/XXXX. They had no proof of the transactions. They told me they would contact XXXX XXXX XXXX XXXX would send an itemized statement of the transactions. I was suspicious that TSI didnt have that information since they had acquired the bill. Also they had my phone number & I had never heard from either company before. Thank you.
Product: Credit reporting or other personal consumer reports

has come to my attention that you have included information in my credit report without obtaining my written consent to furnish or obtain my credit information as required under 15 USC 1681. I request that you provide documentation evidencing that you have obtained such written consent from me.
Product: Credit card or prepaid card

This is not related to any compliant filed in the past and is a completely new case. On XX/XX/XXXX I was contacted via phone by Chase Executive Office and was told they were working on my fraud case. The case number is XXXX and I was asked to email my police report for credit card to XXXX which I promptly did. I have sent multiple email follow ups and have received no response. I attached the police report along with XXXX tracking information for the fraudulent purchase to them. I want this new case resolved. 

I also want Chase to stop demanding payment from me on this charge of XXXX until the case is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this information directly with the bureaus for a while now and it's ridiculous. Experian has asked me to provide proof of personal information which I have. I've sent you a few certified letters with the information you requested and you still have information that doesn't belong to you. 
I only have one address and I need you to remove the other addresses that don't apply to me. 
I've sent you validation with my License and a few different utility bills. Remove these other addresses from my credit file.
Product: Debt collection

Received a letter, dated XXXX XXXX, 2016 from ARA , Inc. ( collection agency ), XXXX. XXXX XXXX, XXXX XXXX, IL XXXX ( no XXXX XXXX addressed provided, indicating they had obtained and now is the legal owner of my XXXX XXXX account, Acct # XXXX amounting to {$1400.00}, which is now due in full. If I do not submit the indicated monies within 30 days, their office will obtain a copy of the judgement and mail a copy of this verification. They stated that the debt and any applicable interest and/or fees have been fully transferred to their office ( transferred from where? ). I have no indication of why they would be threatening to sue because there is no indication in my credit file of this debt. The only gas card I had with XXXX was 15-20 years ago or longer and I believe it was paid off ( if not, definitely not what they are indicating ). After receiving this threat, I researched this company and found out that it is indicated to be a scam that is run by scammers. It has a history of making threats, harassment, intimidation, and bullying consumers. I desire to have no phone contact with this company, only written if indicated because I do not need the frustration and anxiety, having to take care of my military XXXX husband and health issues of my own. The FTC, FBI, and the Justice Department needs to investigate this company to stop them from pursuing apparently old out of SOL debts. It apparently buys debts for pennies on the dollar and illegally makes a large profit. I would appreciate any help that you may provide in solving this issue, as it have been a hardship and much aggravation in my already stressful life. I do not owe this money and I am also filing complaints with the Attorney General of North Carolina and Attorney General of Illinois.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized Hard Inquiries on my Experian credit report that I do not recognize by XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Ive reached out to XXXX, Trans Union and XXXX and ask them to remove addresses that were not mine to remove credit cards that were opened with those addresses and to remove inquiries that were put on my credit report with those addresses and it keeps on being denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion report shows an account change made on XX/XX/XXXX obtained through 3rd parties. I received an alert from XXXX XXXX   about changed account reported by TransUnion stating dispute was resolved. On XX/XX/XXXX I received an alert from XXXX a collection account was reported by XXXX with a credit limit of {$2400.00} opened XX/XX/XXXX. The reporting source was TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a formal request to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on XX/XX/2020 and a second request on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute.

I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 5 months now and I have not received any responses to my requests from TransUnion. I have enclosed a copy of my dispute letter along with copies of the USPS Tracking Details proving that TransUnion received my dispute letters on two occasions and has not formally responded to my inquiries.