23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Complaint Regarding Fraudulent Account on Experian Credit Report Dear Sir/Madam, I hope this letter finds you well. I am writing to file a formal complaint regarding a fraudulent account that has been reported on my Experian credit report. I recently discovered this account, and I have no knowledge of its existence. The presence of this fraudulent account has caused me considerable stress and XXXX. 

Below are the details of the fraudulent account : Account Type - Detail : Auto Loan Bureau Code : Joint Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 73 High Credit : {$17000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX I would like to emphasize that I have never opened or authorized an auto loan account with the mentioned details. This fraudulent account has appeared on my credit report without my knowledge or consent, and it has negatively impacted my credit standing. 

I have already taken several steps to rectify this situation. I contacted Experian to report the fraudulent account and requested its removal. However, I believe it is necessary to escalate this matter further and bring it to your attention. 

I kindly request your assistance in investigating this matter thoroughly and taking appropriate action to have the fraudulent account removed from my credit report. I have attached copies of supporting documents, including credit reports, that validate my claim of identity theft. 

Additionally, I have filed a police report with my local authorities to document this incident. Enclosed, please find a copy of the police report as further evidence of the fraudulent activity. 

I understand the seriousness of identity theft and its potential consequences. I am taking all necessary steps to protect my personal information and prevent further fraudulent activity. Placing a fraud alert and freezing my credit reports have been implemented to safeguard my financial well-being. 

I appreciate your attention to this matter and request that you provide me with regular updates on the progress of the investigation. I trust that you will handle this complaint with the utmost care and urgency it deserves. 

Thank you for your prompt assistance in resolving this matter. Please do not hesitate to contact me if you require any additional information or documentation. 

Yours sincerely,
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$9500.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$9500.00} ; XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$5300.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XX/XX/XXXX ; XXXX - XXXX XX/XX/XXXX ; XXXX - XXXX XX/XX/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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I called and spoke to a representative and explained that I do not about this card, I did not authorize this card I am a victim of identity theft, I sent over my documentation showing that I'am a victim of identity theft they did not care they were very rude and unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX Account # XXXX 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.
Product: Mortgage

This attached document is a " Qualified Written Request '' ( QWR ) in compliance with and under the Real Estate Procedures Act, 12 U.S.C 2605 ( e ), ad Regulation X at 24 C.F.R 3500, and the Gramm Leach Bliley Act and it was sent to the servicer, Statebridge Company, LLC. Also, attached is a letter from the servicer received in response to the Qualified Written Request. Assistance is requested in obtaining a complete, full disclosure rponse to the attached QWR as is our right under the above act.
Product: Checking or savings account

On Friday, XX/XX/XXXX my XXXXyear-old child received a promotional flyer from Citibank advertising a generous cash bonus if s/he opened a new checking or savings account and maintained a balance of {$50000.00} or {$15000.00} for 30 or 60 days, respectively. 

The flyer was addressed to my XXXX-year-old with the exact spelling of his/her name and exact address. 

Neither my spouse nor I have a current Citibank account. I had a XXXX credit card but that account was closed approximately 5 years ago and I have a different last name than my child. 

My child does not have a savings or checking account with any bank, does not have a college savings plan, or any other financial products. S/he does not have an email address or any online presence. 

When I called Citibank to get information about why my XXXX-year-old was receiving promotional material, I was told by someone in " Client Relations '' that my complaint was being " forwarded to a 'back-office team '. '' They could not give me an estimate on how long the investigation would take or when I should expect to hear back. They could not or would not give me a number I could call to follow up except for the general customer relations number. 

When I emphasized that it is illegal for minors to open checking or savings accounts without the consent of a parent and asked for more specific information on what Citibank was going to do to resolve my complaint, they stated they could not do anything else. 

I restated what I had been told. That my complaint was forwarded to a " back-office team '' who would investigate it and get back to me in an unspecified timeframe and that the only possible way to follow up was to call the general customer relations number. The response to that was " that is the proper expectation. '' I demand to know how Citibank got my XXXX-year-old child 's information and why they are sending promotional material to a minor.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Outdated Addresses Under FCRA Dear Sir/Madam, I am writing to formally request the removal of outdated addresses from my credit report under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681c, which requires that credit reporting agencies maintain accurate and up-to-date information.

Upon reviewing my credit report, I have found the following addresses, where I have never lived, and which are outdated and no longer associated with my current residence. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are no longer accurate, as I now reside at : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I request that these outdated addresses be removed from my credit report, as maintaining them could result in confusion and inaccuracies in evaluating my creditworthiness. Under the FCRA, I am entitled to have my credit report accurately reflect my current residence. 

To verify my identity and current address, I have enclosed the following : A copy of my government-issued ID. 
A copy of a recent utility bill showing my current address. 

Please delete these outdated addresses from my credit file and provide me with written confirmation once the changes have been made. According to the FCRA, you are required to investigate and correct any inaccurate information within 30 days. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of these corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/20 Today is XX/XX/20 and I still havent heard from these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items listed in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous items which are being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX DEPT OF ED XX/XX/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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute the repossession listed on my credit report under account number last four 1001 ]. Date XXXX XXXX Amount XXXX Under 15 U.S. Code 1681b ( a ) ( 2 ), credit reporting agencies and furnishers of information are permitted to access and report consumer information only for purposes explicitly authorized by law or with the consumer 's written consent.

I believe this repossession was reported without proper authorization or verification as required under the Fair Credit Reporting Act ( FCRA ). Furthermore : I did not provide consent for this information to be furnished to credit reporting agencies.

The reporting of this repossession appears to violate the permissible purposes outlined in the FCRA.

To resolve this matter, I request the following : 1. Immediate Deletion : Remove the repossession from my credit report as it is not being reported in compliance with 15 U.S. Code 1681b ( a ) ( 2 ). 2. Cease Reporting : Stop all unauthorized reporting of this repossession to credit bureaus.

3. Provide Documentation : If you believe this reporting is valid, provide written evidence of your legal authority to furnish this information.

Failure to comply with this request may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies.

Please confirm in writing that you have received this letter and outline the actions you have taken to address my concerns. I expect a response within 30 days as required by law.
Product: Student loan

In XXXX of XXXX I received correspondence offering assistance from Student Assist Plus, a student loan forgiveness program. I received a welcome letter, a client agreement, XXXX form, form authorizing automatic debit from my bank account, as well as a Student Discount Plan Enrollment Agreement. Student Assist retrieved $ XXXX month up until cancellation on XXXX of XXXX. Student Assist was asked two months prior to stop ACH debit and continued to take money until current stating they had no knowledge of my request. They also stated that XXXX, whom I pay my loan to, was under investigation and that I could not maintain my current payment status without their assistance. It is unfortunate that we attend school and make barely enough to live an repay the high loan costs only to be additionally duped by an agency that alleges to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information on my XXXX credit report multiple times and it continues to stay. Old Navy/Synchrony Bank account is reporting 120 days late. Synchrony bank provided me an affidavit that they would correct their reporting and remove the 120 day late inXX/XX/XXXX. As of XX/XX/XXXX the account was still reporting 120 days late. I disputed with XXXX while providing the affidavit and twice now they are continuing to report inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this concerns : Im initiating this complaint because of some concerns I have about the way the credit bureaus continue to report negative Items on my report even after I have twice sent certified letters asking them to delete the negative accounts. I have stated in my letters to XXXX, Transunion, and XXXX that I have never entered into a contract with the below mentioned companies and I requested that they send me a signed document of my contract with the companies mentioned below. I am aware that under the FCRA guidelines the credit bureaus are responsible for ensuring that they are reporting all accurate information as this could adversely affect consumers in a negative way. I am also aware that when you contact the bureaus concerning an Item which is not correct they are responsible for showing proof of the legitimacy of the items being reported. In my experience I have sent two rounds of certified letters and have waited over thirty days for responses both times. The initial letters yielded responses back from the bureaus within the 30 plus day time frame. With the second round of letters I have only received one response from XXXX stating they would not re-investigate my dispute anymore because the accounts were verified on their end and I would have to contact either the companies or an attorney to prove that the accounts reported do not belong to me. They also refuse to send me the documentation I requested which is for the accounts to be verified and shown that they are accurate and valid accounts of mine. The accounts in question are as follows. XXXX XXXX XXXX ( XXXX, TransUnion ) XXXX/XXXX/XXXX {$680.00} XXXX XXXX XXXX ( XXXX, XXXX ) XXXX/XXXX/XXXX {$990.00} XXXX XXXX ( Charg e off XXXX, TransUnion closed sold off ) ( XXXX transferred ) XXXX {$120000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/2023 to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/2023. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$320.00} ; XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$950.00} ; XXXX XXXX XXXX : {$390.00} ; XXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX.
Product: Debt collection

I recently became a victim of identity theft, where someone fraudulently obtained and misused my personal documents. This unauthorized access has led to various consequences, impacting my financial and personal security. I'm taking immediate steps to address the situation, such as filing a police report, contacting credit bureaus to place fraud alerts, and updating passwords for increased security. It's a challenging situation, but I'm actively working to mitigate the effects and protect my identity moving forward
Product: Credit reporting or other personal consumer reports

It appears that I have received a credit report recently and to my dismay, I discovered that I have become a victim of identity theft. This unfortunate incident has had a significant impact on my family 's ability to purchase a home. Please remove the fraudulent accounts from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so we had a used car business in XXXX operating under a LLC. We moved out of state a year ago. We had a floor plan for used car dealers to buy inventory for resell with a company called XXXX ( XXXX XXXX XXXX ). My grandmother who passed away XX/XX/XXXX of this year who co-signed this note, and I signed. We had a issue with one car left on our floor plan. They have plastered this information all over our PERSONAL credit reports. XXXX removed the item several months ago, and just yesterday it was reinserted on my credit report ( s ) I have already mailed documentation to the three major CRA 's but XXXX  and XXXX do not want to remove the item. I am pretty much at my whit 's end with this. I have since obtained my license in the State of XXXX, and I am trying to get my business back up and running after over a year. The collection agency is Caine and Weiner.
Product: Credit reporting or other personal consumer reports

The following hard inquiries are fraudulent and do not belong to me, therefore, they need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I had a checking account with Citizen 's account for over 25 years and to assist my daughter 's college endeavor, I took out a Home Equity Line of Credit ( HELOC ). It was paid by auto-withdraw b the Bank every month for which I have statements from my checking account # XXXX which the bank did illegal activities i.e. not ever providing me with a statement, therefore, I may NOT owe anything anymore!!!? They REPORTED ME FRAUDULENTLY AND  MALICIOUSLY TO THR CREDIT BUREAU AS NON- payment giving me a bad credit score!!!! 
Now, I call the Bank and am told that I do not have a HELOC which is leading me to wonder WHY did the Bank report me and XXXX XXXX from the Office of the Chairman wrote that I paid late there ( 3 ) months in 2015 and provided me with a phone # to contact her if I have questions yet I called over TWO DOZEN TIMES to no avail?! I want the fraudulent/malicious report to the Credit Bureaus REMOVED and the paperwork/statements of my HELOC which the Bank tells me I DO NOT HAVE?!?!?! Copies of my bank statements can be provided if/when necessary as I do not know how to attach or make copies of 25 or the many pages as I am not working in the professional capacity set up for secretarial circumstances but I do have my checking account XXXX statements reflecting withdraw of money to my HELOC.
Product: Credit reporting

Account listed XXXX under XXXX different account numbers. Mortgage servicing transferred between XXXX companies but only XXXX loan. Experian refused to correct and when I tried to upload documentation (included here) Experian placed a block on me so I could not. The XXXX date of delinquency was XX/XX/XXXX and the account fell off all XXXX reporting agencies by XX/XX/XXXX. Unfortunately the duplicate account is still present on the Experian report. By phone on XX/XX/2015 I spoked with (XXXXTeam Specialist) for Experian (would not give me any more identification) informed me that it is my job to verify the data with the creditor and to give Experian the name and number of who I talked to and they would follow up. I informed him that I wanted to know who Experian talked to for validation of my data and XXXX informed me that they did not have that information and was not required to have it. I asked him if the verification was done by automated response and he could not answered. I have enclosed the documents I was unable to upload through Experian below to validate my claim and hopefully get my Experian credit report to show accurate information. I have included a more detailed version of events below. Thank you.