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

This is my another request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following made a hard inquiry on my credit report without my authorization :  Institution Information   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  Last Reported by  XXXX   XXXX   XXXX ,  2017  Bk Of  Amer  Last Reported by  XXXX   XXXX   XXXX ,  2017  Bank  Institution Information Bk Of Amer   XXXX   XXXX , TX  Institution Information   XXXX  Last Reported by   XXXX    XXXX   XXXX ,  2017   XXXX , FL  XXXX  (  XXXX  )  XXXX   XXXX  (  XXXX  )  XXXX
Product: Debt collection

On XX/XX/2018 I made contact with the XXXX XXXX XXXX about this company, because an entry appeared on my credit report without any knowledge of the company or the amount of money owed. I requested a validation of debt from the company in writing and through the XXXX XXXX XXXX and MidWest Recovery assured they would honor the request and mark all three credit bureaus as account amount disputed. To date I have not receive anything in mail from MidWest regarding the debt owed and to my understanding 5 days after contact the company should honor by sending communication via US mail about the debt owed..
Product: Credit reporting or other personal consumer reports

Complaint Regarding Improper Reporting of XXXX Account on XXXX, TransUnion, and XXXX Credit Reports I am filing this complaint regarding the inaccurate and improper reporting of an account by all three major credit reporting agencies : XXXX, TransUnion, and XXXX. This complaint pertains to violations of 15 USC 1666b and the Fair Credit Reporting Act ( FCRA ). Below are the details of the account as listed by each credit reporting agency : XXXX : Listed as XXXX, Account Number XXXX XXXX TransUnion : Listed as XXXX Account Number XXXX XXXX : Listed as XXXX, Account Number XXXX Nature of the Issue The reporting of late payments on this account is improper under 15 USC 1666b, which states : " 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. '' Based on my review of this account, XXXX failed to adopt reasonable procedures to ensure that billing statements were mailed or delivered at least 21 days before the payment due date. This failure renders any late payment reporting on this account invalid under federal law. 

Violation of the Law XXXX violated 15 USC 1666b by failing to provide billing statements in compliance with the required timeframe while also reporting the account as late from XXXX - XX/XX/year>. 
XXXX, TransUnion, and XXXX perpetuated this error by reporting late payments based on information that is not legally enforceable under federal law. 
This reporting also constitutes a violation of the FCRAs mandate to ensure maximum possible accuracy ( 15 U.S. Code 1681e ( b ) ).

Supporting Information I request that each credit reporting agency obtain documentation from XXXX demonstrating compliance with 15 USC 1666b , specifically confirming that each periodic statement was mailed or delivered at least 21 days prior to the payment due date. Provide a signed affadavit from XXXX indicating that they certify that their company is in complaince with 15 USC 1666B and attest to the truth of the evidence provided. In the absence of such proof, the agencies must : Remove all late payment notations from this account. 
Remove the account from the credit report entirely if it can not be verified as accurate.
Product: Debt collection

I do not have any connection to this company at all. I have never owed this company anything. I have never agreed to or signed anything with this company ever. 
I have not supplied proof under the doctrine of estoppel by silence. XXXX v XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and as a result, a fraudulent account has been added to my credit file. As per 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following fraudulent account be blocked and deleted from my credit report : Fraudulent Account to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried ab out 5-10 ti mes to talk with someone from Equifax inc but I kelp getting a voicemail or a machine asking me for some information. On my credit report it shows that I have an open account with  XXXX  but on my   XXXX   report I filed a dispute with them and after 30 days it was removed but its showing up on my Equifax report which it should not be there cause my wife paid it thought a collection company called  XXXX   XXXX   XXXX   XXXX   XXXX  . I tried to talk with someone from the collection agency but they were not any good in helping me do something about this. In case you need their number its  XXXX . I hope you can do something to help me out to get this straighting out for me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this complaint to request your assistance in investigating and resolving an issue with my credit reports maintained by Experian, XXXX, and XXXX. Specifically, there are old and negative items that should no longer appear on my credit report under the Fair Credit Reporting Act ( FCRA ). 

Pursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o, I believe the credit reporting agencies are in willful or negligent noncompliance with their obligations under the FCRA. These violations have resulted in continued harm to my credit score and financial well-being. 

The specific issues include : Inaccurate or outdated information : Negative items that have exceeded the statutory limit of 7 years ( or 10 years in the case of bankruptcies ) are still being reported. 
Failure to verify disputed accounts : Despite my prior disputes, the credit bureaus have failed to provide adequate documentation to verify the accuracy of these negative items, as required under 15 U.S.C. 1681i. 
Negative impact on my creditworthiness : These inaccuracies have caused harm by impacting my ability to access credit and financial services at fair rates. 
To resolve this matter, I request the following : The immediate removal of all outdated and unverifiable negative items from my credit reports. 
Confirmation from each bureau that these items have been deleted or corrected. 
I have attached supporting documentation, including copies of my credit reports highlighting the outdated and negative items, previous dispute letters, and any related correspondence. 

I kindly request the CFPB to assist me in holding Experian, XXXX, and XXXX accountable for their compliance under the FCRA. I trust that your involvement will result in a thorough investigation and prompt resolution of this matter. 

Thank you for your time and attention to this issue. I look forward to your response and resolution. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

My grandmother went to get a car around XXXX and she was not approved because of her credit was limited so she asked me to cosign for the car. Unfortunately she XX/XX/XXXXon XXXX of XXXX and we tried to notify the dealership about the problem and they never responded and told me that it was now my problem. They later came to reposes the car without even notifying me or calling me back. Now it popped on my credit report as a repossession and I never even had a chance to make any types of arrangement. I feel like this was handled with complete lack of faith to help from the bank. I even sent them proof
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent accounts in my file that are reporting on Transunion Credit Bureau. I am a victim of identity theft and did not make the charge or the account. I ask that the account be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed that my report has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Given the inaccuracy and the significant impact on my financial well-being. I demand the removal of all inaccuracies. This misreporting violates section 623 ( a ) ( 1 ) ( A ) of the FCRA. Equifax data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After reviewing my credit report I noticed a collection account from Wakefield & Associates Inc of XXXX XXXX Colorado. The collection was for an account of XXXX XXXX XXXX XXXX. After I looked up the entity name I found that it was a medical bill. Using this information I looked up all areas of operation of that entity in Arizona and only found 1 near my residence. This hospital appears to be a XXXX hospital in XXXX Arizona. 

I was a victim of an employment scam in XX/XX/2018. I made a report then to the consumer protection bureau in regard to that incident since it involved credit cards in my name. I am of 100 % certainty that this account does not belong to me. I am in no need for a XXXX hospital needs, I am XXXX and no history of XXXX XXXX. I have only been to the hospital one time in the last 10 years and that hospital was not this hospital. Another reason I know this bill is not mine, I am a 100 % XXXX veteran and 100 % of my medical costs are covered by the XXXX XXXX. Another issue I noticed is that hospitals in Arizona use the XXXX XXXX XXXX XXXX to collect medical debts in Arizona. 

I believe I was a victim of identity theft and would like this collection removed immediately from my credit report. I have filed a dispute with the credit bureaus today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my XXXX Credit report and has been going back in forth with them disputing fraudulent accounts that they are reporting. The following accounts do not belong to me ; XXXX XXXX XXXX XXXX ( fraudulent charge off account ) XXXX XXXX XXXX  XXXX ( fraudulent collections account ) XXXX XXXXXXXX XXXX  XXXX ( fraudulent credit card ) I have never done business with the creditors or originators of these debts. I have supplied XXXX and these creditors with supporting information and still to date I have not received any mail or phone correspondences. 

I have asked XXXX numerous times to provide me with the proof they have to verifies these debts belonging to me, and they have failed to do so ...... 

Also XXXX has my name spelled wrong on my credit report so how did they even verify these debts belong to me .... please see all uploads
Product: Debt collection

XXXX XXXX, XXXX I have been plagued by the mistakes of XXXX going back to XXXX and most likely prior to that time. I have attached a letter I wrote to them back to XXXX which was my third request to them pointing out their mistakes and never received a replies to any of my letters. I cut the service in XXXX XXXX and went to XXXX XXXX and XXXX continued to bill me for three more months. I have asked for an accounting of my account and never received this. They sent a collection agency after me and I told them this would not be paid as XXXX actually owes me money. I travel frequently for work and can be gone for months at a time and really just did not have time to deal with a problem of {$130.00} dollars. 
They put a collection on my credit report back in XXXX and just recently they assigned another collection agency who filed a collection on the same amount driving down my credit score down once again. If you look at my credit these people are the only ones I have ever had an issue with. 
I am requesting a complete investigation of my account as I believe the root cause is somewhere along the line they changed the long distance telephone service to non-long distance and every time a call was made long distance charges were being assessed ( who would sign up for that??? ). I had an automatic payment set up, however my XXXX XXXX who is living at the property would pay the additional amount out of funds I was giving her. 
When I inquired on this on XXXX XXXX XXXX, I spent hours on the phone and finally was given to somebody in the back office who discovered the problem and said this could take months to fix, however was supposed to change over the service at that time back to long distance. Again thinking this was taken care of, I was notified again the service was shut off?? Good grief what does it take to get something fixed and why was this so complicated? At that point I was frustrated and canceled the service going with XXXX XXXX for the service provider in XXXX XXXX and XXXX continued to bill me for another three months. As you can see they owe me money. 
In addition, I told them all communications should come to me at my residence in PA and that never happened as well. 
I am requesting a complete audit of my account and I really think this goes back to XXXX when I relocated. I want whatever refund is due back to me and my credit cleared. I also believe because of the damage this has done to my credit I should be compensated accordingly. If not, I will go to the media and every agency out there to continue to have this fixed. I will not go away as this needs to be resolved once and for all as it is unbelievable the service that is provided with calls being offshored and I really think they just want you to give up and pay for their mistakes. 
The collection agency is IC System XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX Account NO XXXX IC System reference NO XXXX Sincerely, XXXX XXXX
Product: Checking or savings account

I have been away from home and came back On XXXX and discovered several unauthorized transactions posted to my debit card, with no goods or services attached and no way to contact the companies in question that billed me. I had left my phone at home as there was no way to use it where I was going and left most of my cards as well. I contacted chase to file a fraudulent transaction report and the result is attached. Upon contacting them and asking why my claim was denied they said the activity was consistent with past activity but they wouldn't supply any specific information on the matter as to what that actually meant. I have been doing some research on these companies billing me and identified that they are used for internet gaming and gambling, casino payment processors. I believe one scenario that may have occured is that one of my minor children or family members who were visiting got ahold of my phone and debit card and made the charges ( no one will fess up ). Or someone accessed my digital wallet and was able to make the charges. At any rate I am out nearly XXXX dollars and Chase refuses to look into it due to " past activity ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Without my consent Credit Acceptance sent my name, address, & wrong loan current balance information of {$16000.00} to the Credit reporting Institutes. On their website is a different total balance of XXXX. Reporting wrong information and not validating the debt is a violation under the FCRA 15 U.S.C. 1681-1681x 15 USC 1681c By Law this supposed to be investigated and I found inaccuracies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/year> Equifax Disclosure Department, XXXX XXXX XXXX, XXXX, GA XXXX. 
Re : Dispute of Inaccurate Information in My Credit Report Dear Equifax, I am writing you to dispute the following information in my file. I have reviewed my credit report and have identified several inaccuracies. I am requesting that these items be investigated and removed from my report. The items I am disputing are listed below : Account : XXXX Account Number : XXXX Account : XXXX XXXX Account Number : XXXX Account : XXXX XXXX XXXX Account Number : XXXX Account : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX Account : XXXX  XXXX Account Number : XXXX Account : XXXX XXXXXXXX Account Number : XXXX According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to my dispute within 30 days. Please inform me of the outcome of your investigation in writing at the address listed above. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

SinceXX/XX/XXXX, I have sent numerous certified letters to all three major Credit Bureau and XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, was paid in full inXX/XX/XXXX. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status : EQUIFAX : a ) XXXX XXXX XXXX Acct No. XXXX XXXX : a ) XXXX XXXX XXXX Acct No. XXXX XXXX : a ) XXXX XXXX Acct No. XXXX Sometimes betweenXX/XX/XXXXto XX/XX/XXXX, XXXX XXXX claimed I had an outstanding debt of {$2500.00} and misrepresented to the major three credit bureau ; in which I disputed. I was not aware nor did XXXX XXXX advised of the outstanding debt! The 60 months term commenced inXX/XX/XXXX is a clear violations of the FCRA.
Product: Credit reporting or other personal consumer reports

Credit Karma says they are having an issue getting my credit report from XXXX. They said they are receiving an error EVERYTIME they try and get the credit report. I called XXXX and XXXX said credit karma needs to call them and resolve this issue that XXXX can not call them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, ( XXXX ), XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 falseinformation consists of credit card account1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  dealer services XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I made my payments on time and the company processed my payment for next day instead of the same day. This information is reporting inaccurate on my credit report.
Product: Credit reporting or other personal consumer reports

TransUnion fails to provide me with my credit report details or allows me to proceed further with dispute details and/or submitting additional documents pertaining to already opened or new disputes. 
Upon requesting access to my credit report... information provided by TransUnion comes up blank. No options to access dispute center and/or to submit relevant information pertaining to negative information and/or compromised accounts. 
TransUnion has no records of my credit history that spans from XXXX and listed oldest account since XXXX. 
XXXX lists 6 negative accounts, but won't provide me with access/information pertaining to these account or allows me to dispute said information. 
XXXX lists XXXX account as revolving line of credit, rather than remaining balance. 
XXXX will not allow me to obtain information from previous disputes and/or update information pertaining to new disputes. Company lists oldest account dated to XXXX and has no information for me having credit accounts since XXXX. 
XXXX fails to remove/amend/correct negative information on my report despite being provided ( numerous times via certified and priority mail ) supporting documents substantiating my claim. 
XXXX was provided Police & FTC ID theft reports, payment history records, detailed chronological chain of events and explanation of incidents that occurred pertaining to alleged late payments, but failed to correct it.