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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 
2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/ Delete this account.
Product: Debt collection

I submitted an Identity Theft Affidavit to the CRA who then notified PROFESSIONAL CREDIT MANAGEMENT that all four of these collections were the result of fraudulent activity. Was successful with deleted them from XXXX and XXXX. But PROFESSIONAL CREDIT MANAGEMENT continues to verify, update and ignore FCRA. I 've sent several letters and attempted to contact the company. The consumer financial Bureau is the last attempt before I commence filing a lawsuit against this company who is reporting fraudulent accounts on my credit report. All 4 of this collection accounts are unknown collections. 

Items Name| 1. PROFESSIONAL CREDIT Account Number : XXXX XXXX. PROFESSIONAL CREDIT Account Number : XXXX XXXX. PROFESSIONAL CREDIT Account Number : XXXX 4. XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

- [ ] I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided. Due to identity theft this should be removed. 



- [ ] # XXXX These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX 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 federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


- [ ] # XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than XXXX business days after the date of receipt
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and disappointment regarding the unresolved inaccurate items on my account. Despite multiple attempts to rectify this issue, the fraudulent charges remain, causing ongoing distress and financial inconvenience. This lack of resolution is unacceptable and has severely impacted my financial stability and trust in your institution. It is critical that this issue be escalated immediately within your organization. The persistent presence of erroneous transactions on my account is not only a misrepresentation of my financial history but also a potential security risk. I demand immediate and decisive action to resolve this matter. I require the following actions to be taken such as Immediate Removal of these accounts. If this issue won't be solve, l would have no choice but to escalate the matter further, including seeking assistance from regulatory authorities to ensure compliance and protection of my consumer rights. The following items should be remove as soon as possible : XXXX XXXX Balance Owed : {$2300.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX  Balance Owed : {$2400.00} ; XXXX XXXX XXXX  Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Owed : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I used my Venmo credit card to book two tours from XXXX on XX/XX/. The two transaction amounts were {$120.00} and {$180.00}. ( they are posted in USD and the original transaction was in XXXX ). I canceled the tours on XX/XX/XXXX and XXXX sent me emails that they have issued refunds regarding my cancellation. ( please see attached emails for evidence ). However, I never received the refunds from Venmo credit card. I have contacted them several times and they open the dispute at the beginning however they closed it and said I didn't give them evidence. They never told me a place that I can upload evidence )
Product: Credit reporting or other personal consumer reports

XXXX, Experian and XXXX XXXX are reporting is reporting XXXX accounts that Have a cease communication per 15 USC 1692c in order which the debt collector has been notified about, and has agreed to stop all forms of communicating through all mediums which include reporting on my consumer report. Further more XXXX XXXX, and Experian, XXXX is still reporting the upgrade accounts inaccurately and has refused to remove the same accounts from my consumer report. 

Attached is proof from the debt collector they will no longer contact me, and close the accounts. I need to make sure XXXX, XXXX XXXX, and Experian remove the XXXX accounts immediately from my consumer report
Product: Debt collection

I reached out to Portfolio Recovery Association, LLC. 
XXXX XXXX XXXX. 
XXXX, VA XXXX Re : XXXXXXXX XXXX {$480.00}, {$710.00}, {$490.00} I sent a letter to this company and all three credit bureaus disputing the debt in XXXX. Portfolio Services responded with only one bill showing incorrect name and incorrect address. One the credit report it is showing incorrect address, incorrect name, an incorrect date of last activity on all three bureaus are different. When asking for the credit bureaus to revalidate the debt to verify what company was reporting the incorrect information Portfolio Recovery Association, LLC. however, I have never signed a contract with this company. They can not verify the debt belongs to me. They can not verify a contract. This company could not show proof of the debt. This company violates the Fair Credit Reporting agency. They did not verify their proof of trying to contact me to validate the date, they did not report telephone calls for collecting the data, they did not validate they are approved by XXXX XXXX law to provide collection services in XXXX. Furthermore, the date of the debt showing on my credit report dates back to XXXX as date of last activity on my credit report. However, on XXXX, the date of the last activity shows XXXX and finally XXXX. 

The Federal law of Consumer Fair Credit Reporting states " all Credit Bureaus must report accurate information. Collection Agency in the State of XXXX has to show proof they can collect in the state of XXXX. Prior to placing any debt on your credit report, they must show due diligence proof that they made attempts to collect, verify and notify the debtor of the actual debt. I have never heard from this collection agency. When trying to get them to validate that this debt in fact belongs to me they did not send any contractual proof where I authorized their company or any other company to have access to my personal information. 

I also placed a security freeze on XXXX XXXX, XXXX, XXXX XXXX, and XXXX as well as requesting all companies send me an accurate and up to date credit report so I can dispute inaccurate information. I have not received any information from XXXX. All other agencies have verifiable credit freezes. I am in preparation to take these companies to State Court and Federal Court if necessary to ensure as an XXXX American Female my rights are enforced and upheld by the courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account WELLS FARGO XXXX which has been deleted by XXXX and XXXX . XXXX and XXXX have both completed their research and determined that WELLS FARGO was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was on my credit report. These are disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a fraudulent account that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this fraudulent account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEM : XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Shellpoint Mortgage Servicing sent me an escrow update letter in XX/XX/year> stating that my escrow account would be severely deficient in the next year and that my monthly payments would have to increase by nearly $ XXXX as a result. They came to this conclusion by adding an additional tax payment during the upcoming year ( which would have resulted in a 50 % overpayment of my taxes ), and by estimating my escrow payments in the coming year were somehow scheduled to be reduced by $ XXXX compared to what I was then paying. In neither instance did they provide any documentation to justify either assumption. 

After being contacted by phone and website submission repeatedly, a formal request for correction was made via XXXX in XXXX. To date, the only response has been to send me two form letters claiming Shellpoint needed more time to assess the situation and in the meantime they continue to overcharge me for my escrow account.
Product: Debt collection

I have repeatedly asked The Revenue Group not to call my phone number and they are so rude every time even telling me on XX/XX/XXXX Thats fine maam, well call tomorrow I know this is hareassment as I have repeatedly asked this company to stop calling my cell phone from 20 phone numbers ringing once and hanging up.
Product: Debt collection

****My LAST 4 SOCIAL XXXX, the system kept saying I put XXXX # XXXX in the XXXX social # field. **** I started getting letters from lawyers office saying I'm being sued by a debt collector because I owe capital one {$13000.00} for a account that was opened in XX/XX/XXXX, charged off XX/XX/XXXX ... I used to have a capital one account bout 10 years ago, limit was round $ XXXX, I never had a credit with a limit that high. I closed the account because of fraud and identity theft issues that kept happening. I have no knowledge of the balance/account they are saying I'm being sued for.
Product: Checking or savings account

Navy Federal Credit Union suspended my account from receiving debit cards today, XX/XX/2021. I would see a reason if my claims were illegitimate, but not giving me a card all of a sudden is illegal and unfair without warning or providing some documentation as to what I did wrong. I requested an executive escalation to force you to provide a reason as to why they decided to discriminate against me, today, XX/XX/2021. This is just plain unfair.
Product: Credit reporting or other personal consumer reports

Notice someone applied for credit card in my name. Identity theft report attached at the bottom. 
XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I had a 2-year phone installment plan and contract with XXXX. I ordered the phone online and it shipped to my address but we originally thought the device was lost or stolen and not delivered. It turned out it was delivered fine but XXXX still had the device marked in their system as lost/stolen. So 3 months into my contract on XX/XX/year> XXXX randomly dropped my access to my account and said my full contract term of 2 years was due in a single bill. I told them I can not afford 1XXXX XXXX at once and needed the installment plan. XXXX then told me the only way to restart the installment plan was for me to sign a new 2-year contract essentially under duress. I was told to pay XXXX XXXX or sign a new contract even though all the issues I experienced were at the fault of XXXX. They should have made me send back the original device before allowing me to activate my phone and contract ... which their system automatically cancelled after 90 days. An XXXX phone rep then voided my original contract and told me to go into an XXXX store to sign a new contract. After this ordeal I decided to switch to XXXX XXXX and use their contract buyout of XXXX $ to switch to them from XXXX and have XXXX XXXX pay off the switch fees. So after all this I still tried over 20 times to contact XXXX with XXXX XXXX employees trying to port out my phone line and setup payment in full for termination of the debt. I offered to settle the debt many times with XXXX directly but their own phone representatives told me " I do not have access to the account in my name and can not submit a payment for it. '' XXXX essentially had my single phone number and line billed under 2 accounts, 1 of which I could not access to even pay which is the debt they are trying to collect on. So XXXX rolled the 2 year contract debt into a new, false account that their employees setup in my name without authorization and after voiding the initial contract. These account numbers were different than when I setup and started with XXXX, thereby proving their fraud in trying to collect this debt. My original account number was ending in XXXX, I never had an account I authorized ending in XXXX like XXXX is trying to fraudulently to collect under. Below are photos of emails showing my account numbers and times of correspondence I am alleging. I tried to resolve this debt for months before having to move on with life. I also can get a written witness statement from the XXXX store employee who signed up my account.
Product: Checking or savings account

I lost my wallet with state id and social security card in side I recently start trying to fix my credit and I see that Im not able to open a bank account for a fraudulent account open under my name XXXX with Bank of America and also other I havent been able to have my own bank account in years because of this .. please can I receive some help or steps to clear this off my name I even reported to irs because someone filed taxes in my name on XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements + under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 155. 
financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Since the courts do not report bankruptcy to the three ( 3 ) credit bureaus, they acted on their own. I previously requested A Method Of Verification of this account that they deemed as verified. Who was the person in whom they spoken with, and for any documentation to support theory. Including dates and times, Also in addition, In accordance with the FCRA, the lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account should be removed immediately ; ( 1 ) US Bankruptcy, 15 USC 1681 Section 602 ( e ). states I have a right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ). Section States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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 in accurate. I'm demanding that the accounts above be removed and deleted immediately.
Product: Debt collection

On XX/XX/XXXX my friend called me upset because a lawyer called her saying they were sending deputies to her place of business to serve me with papers for a lawsuit. She informed them that I did not work there and was not there but the woman continued to be mean and told her to give me a message which was her phone number and a case number. 

I called the number to XXXX XXXX XXXX XXXX and was told by XXXX that it was regarding a credit card from XXXX. The woman claimed the card had a {$500.00} limit and I owed the bank {$700.00}. She went on to say I was being sued for over {$4000.00} ( she said the extra {$3000.00} was for court fees ) and a wage garnishment would be starting. I told her I had no idea what this debt was and asked why hadn't I been contacted before. I also asked why they called my friend 's store looking for me. I have lived at the same address for seven years and have received no mail whatsoever regarding this matter. I've had the same cell phone number for 15 years. The woman claimed the business was listed as my employer at the XXXX County Clerk 's office. After hanging up I contacted the clerks office and was told they don't have that type of information. 

After going back and forth about me having no idea what this debt is about, I was told to ask for a chain of title from the bank that issued the card. I called Matrix the bank and was told they didn't have any information before XX/XX/XXXX and was told to contact United Debt Holdings where I was told to contact XXXX XXXX XXXX where no one answers the phone. I have left several messages. The recording says someone will contact you within 24 to 48 hours but its almost two weeks since my first call. 

I just want proof of this debt and I want this lawyer 's office to stop calling my friend. I also find it odd that this debt isn't on my credit report and just surfaced out of nowhere. XXXX has very bad ratings online and I can see why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection report of {$68.00} dollars on all my credit reports for XXXX XXXX being reported by XXXX XXXX XXXX un XX/XX/2018. It is the only derogatory collection on my report thus far. I paid off the bill but I was requesting for a pay to delete for it to come off my credit but they are saying they can not delete it off my report even with the paid item. It is showing also that I had disputed this item still though I had gotten a letter stating that they were reporting the debt correctly. I was writing a request for both the bill and the dispute remark both to get deleted off my credit because paid in full and the remark will not help my credit scores. I appreciate your consideration on this. This was a medical bill for my daughter that I overlooked with the company long ago. I didn't see that bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$5000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XX/XX/XXXX