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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 had XXXX  and when covid first hit we were no longer working so I disconnected my service to get the free service for low income since I was on public assistance because it was the height of the pandemic where thousands were dying a day there was no way to return equipment every the was closed and the rep that closed my account said there is nothing that can be done and that my account balance would be XXXX. Since then I've had 4 different collection agencies including the most recent that put the XXXX back on my credit reports each time it has been put on I dispute it the XXXX agencies remove it and then it passes to a new collection agencies it feels like a scam and the current one XXXX XXXX XXXX never contacted me no notice or phone calls nothing at all and less than six weeks ago it was a different collection agency I spoke with them exploit the situation and she claimed to dispute it on her end I never heard anything else from XX/XX/21 when we spoke and when I checked my credit since I was planning on moving I see that it bas now changed hands again and its this agency now I can't even move my credit is ruined and they have been doing this to me through I the entire pandemic even when I contracted XXXX  and felt like I was XXXX I had to stop and dispute this while shivering with XXXX XXXX I would really like this to stop please make these people stop doing this too me my life was destroyed by contracting XXXX losing my job and now my credit is completely ruined because I never owe anyone no matter what I was going through financially I even took loans out that I'm still paying back now to survive and make sure I pay all my bills on time
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

This account has violated my rights ; Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 seven 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. 

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602. A. STATES I have a 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 15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : No consumer reporting agency may make any consumer report containing any oof 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

Over the past year I have noticed several charged off accounts on my credit reports that are constantly reporting inaccurtely. THe debts were discharged by the original creditors. Once a debt has been written off by the original creditor, it then becomes TAXABLE Income for me. I have reached out to the three major credit bureaus for months after months. THese bureaus are constantly ignoring my request and at the same time, they continue to report inaccurate information to my credit report. This is a direct violation of my rights under the FCRA. Taxable income should not be reporting on anyone 's credit profile.

The fact that the credit bureaus are constantly saying that the debt has been verified is very strange to me. I
don't understand how you are verifying a charge off. Once it was charged off by the original creditor, it is then TAXABLE INCOME for me. Again, TAXABLE income should not be reporting as a debt on a credit profile. THis is a direct violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Il XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX XXXX {$25000.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT IN AN IDENTITY THEFT REPORT AND THEY SENT ME BACK A RESPONSE AS VERIFIED AN UPDATED THE ACCOUNT I NEVER RECIEVED ANY GOODS NOR APPLIED FOR ANYTHING WITH THIS COMPANY.SOME OF THE ACCOUNTS LIKE XXXX  XXXX XXXX, XXXX XXXX, AND XXXX  HAS BEEN REPORTING CLOSED FOR OVER 7 YEARS AND STILL THERE, AND THOSE ACCOUNTS WERE FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my report and saw that there are accounts appearing that I am not aware of where they came from. Below are the accounts appearing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also attached a copy of my FTC complaint pertaining to these accounts.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 seven 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: Checking or savings account

I have two accounts with Marcus, one has been open for a long time and recently opened a joint account. Marcus has blocked all my access to both of my accounts on XXXX XXXX claiming they couldn't verify my joint account owner. Mind you they blocked both of my accounts and refused to get me access to even see the funds in my account since last week so I have not been able to log into my account. After multiple verification calls and discussions with all different representatives, we were advised that we should initiate the closure of the joint account in order for me to get the quickest access to my personal account. In order to do so, we would have to move the funds out of the joint account which we agreed to do so but then they blocked the transfer out for no reason. I had called again, initiated another transfer, confirmed next day with a Marcus rep that it went through but it never showed up in my external account so gave them yet another call and again they blocked the funds going out of the account for no apparent reason. At one point the representative switched the account numbers and tried to withdraw funds from my external bank instead of sending funds there which cased another delay on the funds coming out because as Marcus claim it, they saw that I stopped the wrong transfer so they cancelled the correct one too despite the rep telling me all went through when I called to confirm the next day. I'm now a week with out access to my funds, all the bank representatives tell me different things on why the transfers apparently can not come through and why I'm unable to close the account and get access to my second personal account where I hold all of my life savings, just being more time to hold my funds despite me calling daily and trying to get access to at least see my account. I have been a loyal Marcus client for years and they are now refusing to give me access to my account and my funds. I have already spent over 10 hours in the last week on the phone with them and I'm lost as to what else can I do if they continue to block my transfers which they advised me to do so I can close the account and get access to the other unrelated account on my profile.
Product: Mortgage

I began a Mortage modification on XX/XX/XXXX. SPS continued losing documents and did not send a letter confirming having recieved all the documentation until XXXX XXXX. SPS did a property evaluation in XXXX, XXXX XXXX and XXXX. In XXXX they sent a letter stating that I withdrew the request on XX/XX/XXXX which is incorrtect. SPS claimed that they were going to excellerate the modification several times due to their error. The error of not prorperly precessing the modification. SPS did nothing but require me to resubmit an entire package again. SPS is delaying the modification thus forcing the boworroer to pay higher interest than with a modification in place. The borrower has been forced to accumulate high interest cost due to the slow modification process and SPS inabilty to contact the owner and inform him of modification availible for investment property in a timely manner. These factores have eroded the equity the owner had in his property and gavin it to the lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal  so remove it or verify it with the court system. If no proof found, therefore it must be deleted. Chapter   XXXX Bankruptcy : Bankruptcy Reference number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my report that I do not recognize. I am certain this is fraud related as I have already put a security freeze on XXXX of my reports from the credit bureau in hopes to stop this from happening over and over again
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested on XX/XX/2021 for an investigation on accounts that are on my credit report. After over 30 days their still has not been any written statement showing and proving the accounts on my credit report are accurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Chex Systems : XXXX. XXXX XXXX XXXX XXXX There are a total of 5 inquiries from XXXX XXXX XXXX XXXX. Four of those inquiries were not authorized. Aside from the initial inquiry in XX/XX/XXXX, all other inquiries should be account reviews, which are soft inquiries that are not viewable to other companies. Please remove the inquiries from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please remove these inquiries. 

XXXX. XXXX XXXX XXXX XXXX I inquired about opening account with this credit union but decided not to apply. I did not sign any application to open a checking account and the company had no authorization to pull my report. Please remove this inquiry from my report. 

XXXX. XXXX XXXX There are three inquiries associated with this company. Each inquiry is from a company that I did not contact, much less did I apply to open an account. Please remove the XXXX XXXX XXXX inquiry that occurred on XX/XX/XXXX. And please remove the two inquiries on XX/XX/XXXX for XXXX XXXX XXXX and XXXX XXXX XXXX 

XXXX. XXXX XXXX I have never contacted this company and certainly did not apply for credit or a bank account. Please remove this unauthorized inquiry from my report.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavors to tell credit bureaus 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE ITEMS ON MY REPORT THAT ARE NOT MINE. ACCOUNTS: 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 or prepaid card

I thought I was talking to Vanillagift.com, but it was a scam to sign me up with their company called XXXX, Savings now and later and Moinitor Protect ID, they took my card number, name, email, address, phone and birthday all the while saying they were going to help me with my vanilla gift card. I found this phone number online after seaching for check your balance on vanillagift.com. It was not the card company, it was a scam. They also said they were going to charge me XXXX for their services for these 3 companies. 
Twice i got disconnected and had to call back, the third time the women who answered the phone said she could help me with my XXXX, which I do not have, so that was fishy too. After I hung up with them and actually talked to vanillagift, there were charges at a dry cleaners in XXXX XXXX California and I live in Illinois. So my card has now been blocked I have to wait for charges to be reversed and get a replacement card from vanilla. 

The company that claims it is XXXX XXXX XXXX XXXX now and later XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear [ CFPB ], I am filing an urgent complaint regarding fraudulent charges and accounts that appeared on my credit report. I am a victim of identity theft, and unknown individuals have opened accounts in my name without my consent. Despite my repeated attempts to resolve this, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate these transactions. These fraudulent accounts were initially removed from my credit report but were later re-reported without proper notification. The accounts were reinstated without notifying me within the required 5-day window, as mandated by 15 U.S.C. 1692g ( Validation of Debts ), which constitutes a clear violation of my consumer rights. Additionally, the accounts are reported with inconsistent dates across different bureaus, suggesting further inaccuracies. The failure to notify me and provide the necessary documentation is illegal and violates my rights under 15 U.S.C. 1681 ( Fair Credit Reporting Act ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits the furnishing of inaccurate information to credit reporting agencies. These unlawful actions have caused significant harm, and I demand immediate removal of these fraudulent accounts from my credit report. I am prepared to pursue legal action against both the bureaus and creditors involved for their failure to comply with federal law and protect my consumer rights. Thank you for your prompt attention to this matter. THESE ARE THE ACCOUNTS : XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries : XXXX 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 filed a dispute with the credit bureau. There is inaccurate information on my credit report. It is damaging and hurting my credit worthiness. I do not have a contract with the collection agency, that is reporting to all three credit bureau. I do not owe this collection agency. They should not be able to knowing violate the Fair Credit Reporting Act by reporting inaccurate information and failing to properly investigate the inaccuracies being reported.
Product: Debt collection

I filed a dispute with my Bank of America Credit card company for a {$42.00} that I was supposed to receive as a credit from a merchant but never did receive it. Although Bank of America agreed to start an investigation, there was no credit issued to my bank. Therefore, I never got back my {$42.00}. Now Bank of AMerica stated they could not favor my side and ask me to pay back the {$42.00} that they had credited to my account ( although they never processed the refund for me in the first place, stated they would process the refund once they favor my side ). I could not reason with customer service representative because they stated they gave me a temporary credit but I have never seen it on my statement.
Product: Checking or savings account

My identity Where Stolen & Used To Obtain Goods & Services In My Name I Fouled Police Report With My LOCAL police department after my Credentials Where Stolen & Have Attached It Aswell As My Identifying Documents With Mail I Sent To Chexsystems
Product: Debt collection

For the past month, Credit Control, has been blowing up my phone with repeated calls. Its excessive, annoying, and a clear violation of the FDCPA under 15 U.S.C. 1692d ( 5 ) which prohibits causing a telephone to ring repeatedly or continuously with intent to annoy, abuse, or harass.

Lets talk about timingbecause youve also managed to violate 1692c ( a ) ( 1 ) by calling at inconvenient times. Now, let me ask you : When is it EVER a convenient time for you to contact me? Because Ill tell you right nowits not while Im working, busy, or just trying to live my life without being harassed by endless calls from your company. 

I have documented these calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is reporting fraudulent inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. 
I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX