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

I called Experian after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Names : Addresses : XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX Accounts : XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 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.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these items are inadvertently resulting in me being extorted.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code 168c-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 results from alleged identity theft, no later than XXXX business days after the date of receipt. 

You have XXXX  days and if the accounts arent removed you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes 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 : ( XXXX ) 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 federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of the verifiable proof, you must remove the accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received a letter dated XX/XX/XXXX from F.H. Cann & Associates , Inc from XXXX, NH phone ( XXXX ) XXXX. The letter identified this company as a debt collector. The verbiage of the letter indicated that I owed {$610.00} to XXXX XXXX XXXXXXXX XXXX. 

All my credit cards are locked with each of the credit bureaus. It was not until I filed my takes in XXXX that I discovered my identity had been stolen. I am retired living in FL and I do not do any online courses. My identity has been compromised. The IRS has indicated that someone filed taxes using my XXXX and XXXX at my address. What was missing on the IRS tax form was my full name. I filed an identity theft report with the IRS. 

I called the debt collector phone # and a someone answered, then hung up. I called back and the same person answered but did not hang up. I explained the debt was not mine. The company rep was rude and said to call the college, that the debt was mine. He wanted my XXXX #, which I did not provide. I responded my identity was stolen and asked for the last name of the person who owed the money. since only my first and middle name appears on the debt collection letter. The debt collector rep would not answer and told me to contact the college before hanging up. There is only an account # noted with the name of the college, but no phone #. According to the letter I can only dispute the debt in writing by XX/XX/XXXX either by letter or on their website. 

I filed a fraud alert with XXXX on XX/XX/XXXX and was advised to file a complaint with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. U.S. Bankruptcy Court has violated my rights 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 to do so. 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 7 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XX/XX/XXXXXXXX XXXX XXXX To Whom It May Concern, Dear, Dear, Experian, / XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : [ dispute_item_and_explanation ] XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX  Closed Account charged off. {$16000.00} written off. {$150.00} past due as of XX/XX/XXXX. 
XXXX XXXX {$22.00} XX/XX/XXXX XX/XX/XXXX 0 % Status Updated Balance Balance Updated Last Payment Date Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : - Comments : {$150.00} {$15000.00} 144 Months XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XX/XX/XXXX Open Open/Never late. 
XX/XX/XXXX {$1000.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX % {$18.00} {$1000.00} 120 Months Individual DEPT OF EDUCATIONXXXX XXXX XXXX XX/XX/XXXX Open Open/Never late. 
XX/XX/XXXXXXXX  {$1700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 0 % {$31.00} {$1700.00} 120 Months Individual
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I filed a complaint with your agency on XXXX XXXX XXXX ( XXXX ) regarding the recurring issue of reporting of my Auto loan as delinquent although I have sent payments to the po box address I have been sending payments since XX/XX/XXXX. Late last night, I received notification from Experian of the results of my dispute filed ( Report # XXXX ) and learned that XXXX reported my account 60 days delinquent XXXX XXXX. I did receive your agency email stating that XXXX had responded that it was working on my issue and indeed they are as they have reported and additional delinquency even though I sent them a copy of two money orders totaling {$900.00} to their national call center email on XXXX XXXX indicating the payment was mailed XX/XX/XXXX. Since early XXXX, XXXX has blocked online access to pay on this auto loan forcing me to mail in payments or use their call in system which charges nearly {$13.00} as a fee just to simply swipe a debit card. I have experienced a long history of lack of due diligence with this institution as on or about XXXX XXXX, over $ XXXX was added to my loan to cover premiums on GAP insurance supplied by XXXX XXXX  XXXX I changed my full coverage auto insurance from XXXX XXXX  to XXXX and this was added to my loan even though there was no lapse. XXXX stated a letter was sent to an old address in XXXX  -even though I moved out of that address in autumn XXXX and listed my XXXX  address with all my creditors. Clearly XXXX 's lack of due diligence has escalated to a point of maliciousness and this recent action was executed in retaliation. I'm retired after 29 years of Active military service XXXX XXXXXXXX ; however, NO ONE deserves to be treated in the matter that I have been by this financial institution
Product: Debt collection

Called and said they were first with a Phoenix Financial. Then said XXXXXXXX XXXX XXXXXXXX County. I declined to give them my personal info nd birthday, they said this was an official matter from the doctors group then after refusing again to give my info knowing it is a scam they said have a nice day and hun up. I called the number back, they said thank you for calling back on a calling line is this a XXXX XXXX. Again not me and suspicious and I said I was reporting the number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit. The fraudulent inquires are below : Chase Card : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

I recently downloaded the XXXX XXXX app because I want to get serious about getting my credit score up. That's when I saw the 2 items on my XXXX score.

1. Wakefeild and Associates opened XX/XX/2014 for {$940.00} and the original creditor was the XXXX XXXX.

2. Wakefeild and Associates opened XX/XX/XXXX for {$590.00} and the original creditor was also the XXXX XXXX.
Product: Debt collection

I have been contacted by Trans World Systems. They ask if I am XXXX XXXX and then I said Yes. They said they are calling for XXXX.I ask who they are and they tell me they can not talk to me unless I give them my birthdate, last 4 numbers of my social security number and my address. I only know XXXX XXXX as they were my XXXXYear old mothers pharmacy which she owes a small bill which has been disputed. I have not received any letters in writing and my mother is ill and uses my address. All her mail comes to me. I do not know for sure if this is a collection agency, if they have my mothers name. They are calling 3-4 times a day on the XXXX  number and XXXX. Trans World does not come up on the phone screen only XXXX Fl on the cell with a NY # XXXX  and on the landline-XXXX, fl,XXXX. As they do not say they are a collection agency, they could be scammers. I keep asking them to send me a letter.
Product: Mortgage

To Whom This May Concern, I am a resident of California and a XXXX American Veteran. I am requesting your urgent assistance with a problem I am experiencing with the U.S Department of Housing and Urban Development ( HUD ). I currently have an FHA loan on my home. Due to personal hardship following a job loss, I requested a payment modification with my mortgage company ( Nationstar ). I was granted the modification. I soon decided the only long term option I had was to sell my home. I put my house on the market and soon entered into Escrow with a buyer. During the title search I learned that there was a {$25000.00} lien or second mortgage put on my home by HUD which was part of the payment modification that I knew nothing about. Nationstar doesnt have a record of any of this either. Now I am waiting on the state ( HUD ) to provide some type of information so that I may proceed with the sale of my home. HUD has provided zero proof or information regarding this lien and am just getting the runaround when contacting them. I have been waiting for 2 months now, and time is not on my side. This is going to cost me my home if the state does n't provide something so I can sell the house with a clean title, payoff my mortgage company and attempt to rebuild my life. I 'm not asking for a handout or for any waiving of money that I actually owe, I 'm asking for your help in getting this cleared up or at least some explanation from HUD. Thank you for your time and assistance in this matter. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX currently have a Fruad account and unauthorized inquiries appearing on my credit report.

Account 1. XXXX XXXX XXXX {$160.00} Inquiries 1. XXXX vall Date of inquiry XX/XX/XXXX 2. XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Checking or savings account

I attempted to make a purchase at snakeriverfarms.com using my Ally bank debit card twice. Each time the charge was declined despite getting a PIN code via text to validate the card both times. I called Ally Bank and was told they view XXXX XXXX XXXX as a fraudulent company and the transaction will never be approved. Keep in mind, this is checking account and debit card. This is my money. Its not like a credit card where they have the ability to decline charges at companies they dont like because its their credit funds. This is a bank declining me to spent my funds with a well-known business ( snake river farms ). This type of behavior from Ally should be illegal. You cant tell me where I can and cant spend my money if I can verify the charge. This is ridiculous and should be investigated.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX XXXX XXXX XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.
Product: Credit card

I think the account might not be valid. VyStar Credit Union Headquarters. must confirm in a legally binding statement that this claim is legitimate and doesn't have any issues like breaches of agreement, lack of consideration, or significant changes, and that the original lender received proper value. Also, they must assure that the transfer of the alleged account was done in good faith with everyone 's agreement. If they can't provide this sworn statement, I demand the removal of the account from my credit record and their records.VYSTAR CU XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate Chase Bank credit score reporting practices. They are discriminating on the basis of neighborhood XXXX composition or income when they hand out " free '' credit scores. Evidence from today XX/XX/18? My FICA score with XXXX is XXXX, with XXXX credit score is XXXX, both excellent ratings and deservedly so. My credit score with Chase is XXXX, a B score, and it contains misinformation regarding my account history. 

What Chase is doing to me is irrelevant -- nothing will change in my life. What Chase is doing to people on my block and in my neighborhood is a crime. Chase is preventing my neighbors, who have no idea that their credit scores are being underrated, to suffer the consequences when buying a house, home, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company-without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX  XXXX Date Opened XX/XX/2022 Balance : {$69.00}
Product: Vehicle loan or lease

New car purchased at XXXX XXXX of XXXX ( Maryland ) on XX/XX/2021 with a combination of trade-in and new auto loan. 

Loan was granted ( also by Capital One ) on XX/XX/2021 but dealer or bank will not process payoff of loan linked to trade-in. 

Trade-in value for the car was over {$14000.00} while balance of loan for this trade-in was less then {$2000.00}. 

XXXX has caused additional interest charges and also need to make an extra car payment, and unnecessary and customer-unfriendly confusion to keep track of refunding of this excess payment ( I am not sure whether from Capital One or the dealer, or if dealer will keep the excess. ) Only after repeated calls did I get a call back from the finance manager, who then gave me condescending answers without answering why they would have received a 10-day payoff yet the loan was not paid off in 10 days. ( Today is XX/XX/2021 - 14 days after trade-in ). 

Dealer prominently advertises they offer auto loan through your bank. Please engage with dealer directly.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX please block this information from my credit 605 cr.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute inaccurate information that has been posted to my consumer report. I recently discovered that there are accounts on my report that I believe to be a result of identity theft following a data breach of my personal information. Ive called in and tried to remove information but customer service said the bureaus where suppose to remove information. 
Account Details Accounts Name : XXXX XXXX XXXX XXXX Account Numbers : XXXX | XXXX Date of Discrepancy : XX/XX/2022 Description of Discrepancy : Unauthorized Use of XXXX, Identity theft filed I am deeply concerned about the presence of these accounts, as they are not a result of any legitimate transactions or agreements made by me. Given the circumstances of a data breach involving my personal information, I strongly believe that these accounts are fraudulent and do not reflect my financial activities. 
I kindly request that XXXX XXXX Bank thoroughly investigates this matter and promptly removes the disputed accounts from my consumer report. I also request that any associated negative marks or derogatory information related to these accounts be removed as well. 
Enclosed with this letter are copies of documents that support my claim of identity theft and the unauthorized nature of these accounts. 
I am committed to resolving this issue as swiftly as possible and restoring the accuracy of my consumer report. I appreciate your attention to this matter and expect your prompt response. 
Please communicate with me in writing to inform me of the actions taken to investigate and resolve this dispute. You can reach me at the contact information provided above. 
Thank you for your immediate attention to this matter. 

Ive disputed these accounts but they continue to be verified. The credit bureau wont remove these inaccurate accounts without XXXX XXXX removing them Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 usc 1681a ( XXXX ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction below.