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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX -or- XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ Identify item ( s ) + XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - Finance/Personal ( XXXX ) XXXX Collections XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$500.00} Needs Attention XXXX XXXX XXXX XXXX {$300.00} please remove all items due to and resulting from the identity theft that should be blocked, by name of the source, Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity Copy of Credit Report
Product: Vehicle loan or lease

Wells Fargo issued financing at higher rate off credit report .... credit report was supposed entered wrong. Received letter from Wells Fargo with correct credit score. Contacted Wells fargo... they sent out letter just indicating financing was done with correct credit score.
Product: Debt collection

Ive received a letter from XXXX notifying me about my {$180.00} due balance, set up an arrangement online and start paying to the actual site and they have still hit my credit report saying I owe a balance of {$180.00}. I am asking for this collection to be paid and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have contacted Experian several times about the non- factual inquires located on my credit report. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Also Experian has had several glitches which is where the mix up with these accounts came from being on my credit report. aS YOU WILL SEE MOST OF THESE ARE DUPLICATES. REMOVE ASAP Please contact the companies below and investigate such occurrence. Also, the accounts listed have also been deleted by Other Credit agencies, please follow suite and delete these immediately. 

As part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

Please delete these non-factual records off my account immediately. 
ACCT NAME INQUIRY DATE XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I am a victim of Identity fraud. I had to sue a Chief of Police in Minnesota because he was accessing my personal information for over 30+ years, and giving it to his drinking buddy to harass me, impersonate me, threaten me, assault me, open accounts in my name, and sent others to try to kill me in Minnesota ( also ) Colorado after I settled the Lawsuit in U.S. Federal District Court in Minnesota XXXX I was contacted by XXXX XXXX  about a debt I have no knowledge of when I lived in Colorado. I had to moved to Nebraska after I had been assaulted, and almost killed in Colorado. I was contacted over and over again by XXXX XXXX. I had changed my phone number, but they keep calling me over and over again. I was contacted by a law firm which took me to court about the debt. I went to court. The law firm didn't show, and the case was dismissed. The law firm again sued me, and again they didn't show up, so the judge again dismissed the case. The account was removed from my credit report, however, after the court case was dismissed it was added again back to my credit report. I had contacted the debt collection agency via email, and I had submitted a complaint on them for harassment. I sent them the links to my District Court Federal Lawsuit, my account information, and to stop harassing me. They have continued to call me at all hours of the day. I keep blocking their robot-calls as they mask it as coming from a local phone number in Nebraska. I kept blocking them, yet they continued to call my phone. I went to recheck my credit report, and see they relisted the debt again even after I sent the information of the Federal Lawsuit in Minnesota. I have filed dispute 's on XXXX XXXX XXXX XXXXXXXX XXXX. Online the accounts have been removed, or are on/under investigation, yet XXXX XXXX has a glitch on the site that will not allow me to dispute this account. I called all 3 credit report agencies to secure my account, fix all the false information that was recorded or placed under my name, social security number, etc. I am trying to repair my credit score back to the high XXXX 's it was, but XXXX XXXX keeps adding the account which keeps lowing my score over and over again by XXXX points or more. I keep being denied credit because of this bank and Portfolio Recovery XXXX XXXX as they keep renewing the account as active or unpaid. I can not repair my credit if this company keeps harassing me, and keeps adding the account after I have it remove or disputed, and they are not answering my emails on my past ( and ) current Lawsuit 's or the information I submitted about being harassed over and over again by them. The Chief of Police I sued still have all my past and current information ( including ) my Legal name change in court.
Product: Debt collection

To Whom it may concern, Im writing this complaint with multiple concerns. My brother & I have very similar names and my XXXX  XXXXXXXX score seems to be attached to his name and I can not get through to XXXX. I do not know what, if any, credit information is on file with XXXX but Ive found it impossible to get in touch with them to explain the issue. 



For the medical debt, I had no knowledge of a {$650.00} bill that went into collection until it appeared on a credit report while applying for the mortgage. I called the collection company ASAP and paid the debt off with the understanding that they would remove the collection account from my credit report and were sorry for the miscommunication. Months later, Im now applying for a new mortgage and the collection is still there but the debt shows paid. The collection company would not provide a letter or do anything to remove this from my credit report ( despite promising my payment would have it removed ). 



If someone can please help get my credit reporting information correctly associated to my name it would help a lot. If you review my history, one would see that Ive always had good credit/managed my expenses. This collection account is hurting me financially in a rather significant way and is fraudulent.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Ally Financial Account Number XXXX Dear XXXX I am writing to dispute the inclusion of Ally Financial account number XXXX on my XXXX credit report. I believe my identity has been compromised, and I want to bring to your attention the discrepancy in reporting among the credit bureaus. 

All other credit bureaus, including XXXX, have promptly removed the negative account from my credit profile upon investigation. I have evidence to support this resolution. However, XXXX has not responded within a reasonable timeframe, exceeding 30 days for their investigation. 

Given that XXXX has already taken corrective action, I urge XXXX to expedite the removal of the contested account from my credit report immediately. Your swift attention to this matter is crucial in rectifying the impact on my credit standing. 

Thank you for your prompt assistance in resolving this identity theft issue. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My account was locked by credit karma on XXXX so I reached out to the company to fix the issue and I was told my account was closed and cant be reopened and they told me I would receive an email explaining why. I did receive a email but it only stated that my account had been closed and gave me a number to call for immediate assistance. I called the number and the my gave me no information and told me to wait 5 to 7 days for an email explaining how to receive my funds. I waited 7 days and reached back out because I didnt receive an email. I spoke with XXXX different people and they all told me they cant tell me why my account was closed its under investigation and Ill receive a email. I still never received an email and my funds are still frozen
Product: Debt collection

am writing to request your assistance in resolving an issue with my XXXX credit report. I am a victim of identity theft and recently discovered an unauthorized account listed on my report. The account appears only on XXXX and not on my XXXX or XXXX reports, suggesting it may be fraudulent.The account in question is with XXXX/Sunbit, with the following details : Account Number : XXXX Company Name : XXXX/Sunbit Account Type : Installment Account Amount : {$120.00} Company Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX have never dealt with this company, nor did I authorize any transactions with them. I believe this account was opened fraudulently due to identity theft. 
In accordance with 15 USC Section 1681i of the Fair Credit Reporting Act, I request that XXXX remove this unauthorized account from my report. I have already taken steps to protect myself, including reporting the theft to the FTC and filing a police report. 
Please confirm the removal of this account. By the end of the day today .Thank you for your prompt attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

On more than one occasion I applied for a loan or credit card that showed pre-approved and/or outstanding approval odds through credit karma and was denied. This put hard inquiries in my report, kept me from getting other credit and brought down my credit score.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is 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 XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX , GA XXXX ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$760.00} ; XXXX XXXX Balance : {$580.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

When trying to apply for a small loan it always saying that it want impact on your credit score but it does and when I apply always says decline I have a good job with great income but most of the system always denied or decline my offer and even when I'm trying hard to get back on track sometimes we face hardship and some of the loan offer don't try to work with u instead they just mark u as a negative credit
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped 65 points due to the way XXXX XXXX reported the pause in student loan payments granted by the CARES Act to the credit reporting agencies. Account was in good standing and there were no other adverse actions that would impact my credit only change was the pause in payments automatically granted by the govt. All parties contacted ( XXXX, Equifax, XXXX, XXXX  ) insist the error is not theirs and will not make any adjustments, meanwhile I have been harmed financially and unable to make any improvements to my finances in the middle of a pandemic.
Product: Vehicle loan or lease

My name is XXXX XXXX and I have a very heartbreaking and shocking XXXX experience to share. I recently, XX/XX/XXXX, financed a XXXX XXXX XXXX from XXXX. The car was receiving regular oil changes every XXXX XXXX months. About XXXX weeks ago I went to pick up some dinner and when I left the restaurant and got back into my car, it would not start. Then I reached out to my insurance and they told me that they would send me a tow truck. When the tow truck arrived the gentleman that was driving the tow truck checked the oil in my XXXX and he said the car had no oil in it. This was very strange to me because I recently got my oil changed on XXXX, XXXX. He towed it to a shop and it was evening so it wasnt until the following morning that I received a phone call from the shop stating that the engine was seized due to the car, not having any oil in it. That is mind blowing to me that the car didnt have oil in it because like I said, I was regularly getting the oil changed and I never saw an oil spot anywhere that I had the car parked. I have heard bad things about the XXXX XXXX XXXX engine and how it was built. Which also shocked me being that this vehicle is a XXXX vehicle and I have only known the quality of XXXX. Neither my XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX something XXXX XXXX XXXX XXXXXXXX XXXX or my XXXX XXXX XXXX have failed like this XXXX XXXX XXXX has. Im embarrassed for XXXX because to tell you the truth XXXX was always my favorite car brand. 

The fact that this car is XXXX years old and taken care of is an absolute embarrassment for XXXX for XXXX engine to have seized. I am XXXX with XXXX XXXX and have a basketball playing XXXX XXXX XXXX son with a car-less mom. Thank you for taking the time to read this.
Product: Money transfer, virtual currency, or money service

Towards the end of XXXX to XXXX unauthorized transactions hit my account. My XXXX got hacked and they was buying XXXX and crypto through my XXXX and XXXX. I XXXX  XXXX Customer Service and a Rep name XXXX answered. Just was adamant about helping me stop the hackers. I was afraid and confused because he was telling me my info was being sold on the dark web and the hackers had my XXXX processing to buy more XXXX and crypto. He said I needed to hurry to the bank and get the XXXX out and send it to his Supervisor XXXX XXXX so the transaction can be reversed. I was nervous afraid and confused and didnt know what to do because I didnt want to lose my money. I was distraught and afraid the entire time. He had me download an app that allowed him to get into my phone remotely. He started going though everything tell me what to do to fix the hack. Well I wired the XXXX in emotional distress and was scammed thinking I was stopping hackers from taking all my money. Wells Fargo ( Scammer bank ) denied my claim and XXXX denied my claim saying it was authorized. I authorized it as part of an unknown scam/fraud. I was not in my right mind because I was afraid all my info was on the dark web, the hackers were taking my XXXX, and I didnt know what to do. The same day I authorized it I went back 1 hr after and informed them of the scam and they said I could not do anything until it post. At that point I had an XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. They took all my savings and Im now almost homeless because I cant make ends meet.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information.

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections / charge off were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation. 

Thank you.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is my new attempt to dispute the items in my credit file which impacted by incorrect credit information. Again, Im sending over a new Identity Theft Report # XXXX & XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any items in my file that resulted from a mistaken credit reporting, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1600.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XXXX XX/XX/XXXX XXXX Balance Owed : {$1600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AN # XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX, XXXX, XXXX XXXX BANK XXXX XXXX Opened : XX/XX/XXXX XXXX Balance XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX Please note that you have XXXX business days to REMOVE the reporting of any items in my credit file that resulted from an inaccurate credit reporting. I do not consent to XXXX or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

A bill of XXXX was sent to me from an Ultabeauty Mastercard credit card opened at Ultabeauty store in Florida. I called the company to stop future purchases and investigate the account and charges made with the card. They agreed to cancel the card and investigate fraud. They said they would notify me by mail after the investigation is completed.
Product: Student loan

I had all of my student loans paid off in full and now they are saying that I owe them {$13000.00}. I called them and sent them proof of my payments such as their own receipts and they have not gotten back to me or erased the debt. I had paid off my loans in full and then they got a new website and started sending me statements with due dates on XX/XX/23. It has been months since they have gotten back to me and now they are sending me delinquency notices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want XXXX XXXX to report a positive a positive payment on my account. XXXX XXXX is part of a class action settlement due to issuing XXXX insurance. As part of the settlement I am suppose to receive a 30 day delinquency removal from my account. I am working hard to be on time on my payments and to be current.
Product: Credit reporting, credit repair services, or other personal consumer reports

back in XX/XX/2019 I been paying all my utilities, phone, internet, water through XXXX XXXX XXXX and was using experian boost. It once had my score to XXXX now being that it has all been erased it went down to XXXX stating bank changed security. I called my bank and being that experian boost is not one of their features that can not assist. I called experian and they claim they can not fix error. Not only that experian keep putting incorrect information in my report. I filed complaint 3 times stating identity fraud and it is still showing on my report. I need it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly requested corrections to my name spelling, address, employer etc. and they've failed each time to honor my request. I'm sick of sending certified letters to them asking them to correct the information I've asked to have removed from my report. It's not rocket science therefore shouldn't be difficult. They have left the erroneous info on my report without correcting it. This time I want it corrected and a report showing that they've done so.