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

I XXXX XXXX, is submitting this complaint myself and there is no third parties involved I have been a victim of identity theft pursuant to 15 USC 1681c-2 the consumer reporting agencies must block and remove accounts/inquiries resulting from identity theft within 4 days the consumer reporting agencies failed to do so. My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained posessescision of goods, services, or money as a result of one or more of the transacations that I am seeking to block. The consumer reporting agencies are violating my consumer rights pursuant to 15 USC 1681 ( a ) ( 4 ) I the consumer has the right to privacy. The consumer reporting agencies are infringing upon my privacy. Pursuant to 15 USC 1681 ( 2 ) ( A ) ( I ) reports containing information solely as to transactions or experiences between the consumer and the person making the report is EXCLUDED from a consumers report. Pursuant to 15 USC 1681 ( 2 ) ( A ) ( B ) any authorization or approvals of specific extensions of credit is also EXCLUDED from a consumer report. The Consumer Reporting Agencies violated several laws under the FCRA. I am demanding that they remove / block the requested accounts and they compensate me for their violations or else I will be seeking legal action. Attached will be the Affidavit I sent to them as-well as my social, id, and invoice proving that I am who I say I am. I also want to remind the consumer reporting agencies that pursuant to 15 USC 1681a ( e ) the term investigate consumer report means to interview friends, neighbors, or associates of the consumer and a consumer reporting agency can not have any factual information on a consumers report. Yet their claiming they investigated my report knowing damn well they never interviewed any friends of neighbors of mine. I XXXX XXXX, formerly known as XXXX XXXX is fed up and will be seeking legal action please view the attached documents below. I am submitting this complaint myself and there is no third party involved. If the Consumer Reporting Agencies ( Equifax, XXXX, XXXX ) think about rejecting this request I am demanding that they sign an affidavit under penalty perjury!
Product: Debt collection

Wells Fargo is reporting a debt for {$1100.00} dated XX/XX/2012. This account was sold to XXXX XXXX, XXXX without my knowledge. I never received written notification of this debt being reported to the Credit Bureaus, therefore I had no opportunity to dispute.
Product: Debt collection

Dear CFPB, Today I have asked Zwicker & Associates to cease and desist from contacting me and to date XX/XX/2022 they are still sending threatening letters and communication regarding a debt that was part of identity theft. They sent to me a docusigned document that I have no recollection of even completing nor signing. I say to myself if I received the alleged amount I wouldn't have any debt at all and there is more than one account that was created summing a lot more total dollars. 

I received a letter from the IRS on XX/XX/2022 Integrity & Verification Operations, Program Manager which gets no more legal than this. I am still being plagued by identity theft and have since been instructed by the IRS to contact the three bureaus, local police and in this case my name was signed the same way. It's obvious that it is east for anyone to create accounts make payments etc.., According to the IRS agent they had my bank account information and address etc..in which they did an entire tax return and according to the IRS they submitted documents being me XX/XX/2022 twice and it was accepted on XXXX XXXX with a signature as well. In the meantime I ask that while I continue to work on my ID theft that they " DO NOT '' contact me anymore and that includes mailing to me threatening letters stating that they are trying to collect a debt that isn't owed by me.This is not my debt! None of this is true, none of this alleged debt is mine. XXXX XXXX went so far as saying they contacted the XXXX Police Department and lied about who they spoke with and any validation. Their response to me was they stated that it wasn't ID theft yet they have a police report on file with all of the listed accounts. If XXXX XXXX would have done its job when I contacted them regarding my ID theft we would not be hear today. This demonstrates their lack of integrity and how the unethically handles business. 

This is " NOT '' my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's accounts on my report inwhich I have no knowledge of, however the credit agencies are constantly reporting information inwhich is not backed up by any type of physical documentation and if so still wasn't provided to me by either reporting agency. This is indirect opposition to the language of the FCRA, it clearly states that if you can not provide this information in physical form then you must STOP reporting it, XXXX, Experian and XXXX. And the account in question is XXXX XXXX XXXX and all Inquiries dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed now three times with nothing back and information is still inaccurate. There are different names, addresses etc reporting on my credit and things that don't belong to me. 

What do I do for the credit agencies to fix these?
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you that your recent actions concerning the collection of an alleged debt are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws. I have thoroughly documented the following For example, repeated calls to my place of employment despite being informed that such calls are not permitted. 

For instance, failure to provide the legally required validation notice within XXXX days of your initial communication with me. 

These actions are not only unlawful but also constitute harassment. The FDCPA ( 15 U.S.C. 1692 ) strictly prohibits debt collectors from engaging in abusive, deceptive, and unfair practices. By violating these regulations, you are liable for damages, including statutory damages of up to {$1000.00} per violation, actual damages, and attorney fees. 

Given the repeated and willful nature of these violations, I am hereby notifying you that I am escalating this matter to the office of the Attorney General of XXXX XXXX and XXXX. I am also considering additional legal actions against your agency to seek full redress for the harm caused by your actions. 

Effective immediately, I demand that you cease all forms of communication with me and any third parties in connection with this alleged debt. This is a formal cease and desist notice under the FDCPA. Any further communication from your agency, except to confirm receipt of this letter or to provide proof of debt validation as mandated by law, will be considered a further violation and will be documented as such. 

Please be aware that I am fully prepared to take legal action if these violations continue. This letter serves as evidence that I have provided your agency with notice of your violations and of my intent to pursue legal remedies. 

I expect a response in writing within XXXX  days of receipt of this letter, confirming your compliance with my requests. Failure to respond adequately will result in additional legal action, and a copy of this letter will be forwarded to the Consumer Financial Protection Bureau ( CFPB ) as well. Remove these fraudelent tradelines off of my credit report as I have attahced XXXX identity theft reports below.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 


Account Name : XXXX XXXX XXXX XXXX Has different account numbers, Incorrectly reported as late, incorrect date of last payment, different payment histories and multiple creditors with different names and addresses This item must be deleted from my report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
I have attached documents with highlighted inaccuracies to validate my dispute. 

Sincerely yours,
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

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 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. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX/ XXXX XXXX. XXXX XXXX XXXX. XXXX 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 no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX 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 were eliminated and not verified by others bureaus I don't 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 I 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, credit repair services, or other personal consumer reports

This dispute involves XXXX XXXX and an inaccurate reporting of my account status to Transunion, XXXX, and XXXX. After challenging the validity of the account I received feedback from Transunion, XXXX, and XXXX which stated that the account was being reported as verified as accurate and updated. After several attempts to get them to verify this information I went through some olf files and was able to find a settlement letter dated XX/XX/2016 stating that the account had in fact been settled. I also found a cancellation of debt which was provided by the company in XX/XX/2016. After the bureaus continued to report the status of this debt as negative, I sent all of this information to them and reached out directly to XXXX XXXX. Their response was that theyd reported all of the information in question correctly and since the bureaus had already reached out that they would not reinvestigate the matter. After receiving the letters XXXX then changed the account status to paid, but allowed all negative payments to that point to remain with the status being FP or " failed to pay ''. This again impacts my ability to purchase a new home, apply for business credit, etc.
Product: Payday loan, title loan, or personal loan

I went to XXXX on XX/XX/2019 to see what personal loan offers were available for me, to consolidate some debt that I had with XXXX, Lightstream, and my credit card company. I put in all of my relevant information ( name, address, annual income ) and was presented some offers. Lightstream came up as the top offer, with a 6.49 % APR. I selected this offer by clicking " continue '' I was sent to Lightstream 's application page, filled out all of the appropriate information, and was notified that my application was being processed.

I was contacted that same day by a representative, who asked more questions about the purpose of the loan. I explained the three sources that would be consolidated. At that point the representative stated that it's a Lightstream policy not to re-finance their own loans. There was no reference of this policy anywhere in the application process. The representative stated that we could try for a lower amount, so we went ahead and excluded the Lightstream loan amount that I wanted to re-finance. At that point ( same day ), I received another email asking for additional documentation ( paystub ) which was used to verify my income. After verification, the representative told me I was being offered a 9.39 % APR, to match the one with my existing Lightstream loan. They said that if I could get a better rate somewhere else, they would match it, but that's it. At this point they had done a hard credit pull, which lowered my FICO  score by 54 points. I no longer qualify for prime lenders to make competitive rates, and would be locked in to only accept Lightstream 's offer.

I consider this to be unfair, deceptive, and abusive practices. If this bait-and-switch hadn't been designed, I would have applied through other lenders that I would have been a good candidate for, before my FICO was lowered ( e.g. XXXX and XXXX ).
Product: Debt collection

Closed / settled account falsely claimed as open and overdue. Ameris Bank is falsely claiming I have an overdue account with for an Auto Loan with account number. It was resolved on XX/XX/2015. Payment was made to XXXX XXXX XXXX XXXX and I have a copy of both the invoice, the payment receipt, and the settlement offer. 

It appears this account may be a transfer from XXXX XXXX as the account was originally opened with XXXX. I suspect at some point during their merger they reactivated my account and started falsely impacting my credit.
Product: Debt collection

CREDIT MANAGEMENT LP has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. CREDIT MANAGEMENT LP has called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed my information to be accessed by an unauthorized 3rd party who has the ability to access all of my personal information for potential monetary exploitation.
I never allowed Equifax to store this information nor to host it in a manner that it could be compromised. They willfully did not attempt to store my data in a manner that would be consistent with reasonable identity protection and are unable to provide me with clear answers as to the following : 1. Who took my information?
2. What information of mine was compromised?
3. What steps are they taking to protect me?
4. Should someone attempt to use my data in an unscrupulous manner, will Equifax cover the legal and time costs?
Product: Bank account or service

XX/XX/XXXX my Health Savings Account could not be accessed by a Key Bank teller. We then discovered XXXX checks totaling {$7900.00} had been written on this account XX/XX/XXXX-XX/XX/XXXX ( none of them written to health professionals ). I did not check this account routinely since I last used it in XX/XX/XXXX. I filed an affidavit of fraud with Key Bank, filed a police report ( they could not help since identity theft is hard to prosecute ), checked the credit bureaus for other fraud ( none was found ) & assumed I would get reimbursed by Key Bank. However, Key Bank refuses since it had been greater than 60 days since the fraud occurred & the discovery & report of fraud. I have contacted local , county, state and federal agencies asking for help. The WA State Attorney Generals Office has started an investigation # XXXX. I believe the office forwarded my information to you but suggested I do so as well. If you decide to help me & need more information about any aspect of this case, please let me know & I will send everything I have. I have talked to several people & not one person I spoke to is aware of this rule. I would love to get my money back but even more I would love to have agencies responsible for protecting money, notify consumers when an account is opened, this rule exists. Consumers should have to sign they understand this rule. 
Thank you for your interest. If you can help me, I would so appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The thirdy party XXXX has an account open in my name that does not belongs to me I continue to dispute these XXXX account that is under XXXX but the credit bureau will not removed these account that are XXXX old and counting. Every year XXXX keep reopening the account I stead of being closed and removed. Under code15us 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian has a false payment report in their system from XXXX XXXX XXXX as late payment for the month of XXXX 2017 attach as well XXXX 2017 is receipt of payment made on time. 
Please removed late payment status Removed late payment status from XXXX and Experian for the month of XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the guidance provided by the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documents along with a letter from an advocacy group assisting me as a victim of XXXX XXXX, specifically XXXX XXXX. This situation falls under the provisions of the XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 

I kindly request that this information be blocked from my credit report within four business days, as required by Section 605C of the Fair Credit Reporting Act ( FCRA ). As a victim of human trafficking through debt bondage, I request that all related accounts be blocked and deleted from my report. 

Please ensure the following accounts with TransUnion are removed from my credit report : XXXX XXXX  XXXX XXXX Account Number : XXXX Balance : {$21000.00} ( Auto Loan ) Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$3200.00} ( Apartments ) Opened : XX/XX/XXXX XXXX. XXXX Account Number : XXXX Balance : {$700.00} ( Personal Loan ) Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$1300.00} ( DTE ) Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$760.00} ( Phone Line ) Opened : XX/XX/XXXX 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you to request the deletion and removal of the following accounts and information from my consumer report. It is imperative that these accounts and information listed below are not reported on my consumer report. This action is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Therefore, I urgently request that you remove these accounts and information from my consumer report without delay, as they are in direct violation of multiple laws. I expect immediate action to rectify this situation.
Product: Mortgage

My name is XXXX XXXX I have been receiving calls from Specialized Loan servicing center. They have been calling me over my dads acct. I know its a mortgage because they disclosed some of his information on a acct I have no part of. My dad never gave them my number called them twice to tell them to remove my number XXXX company is rude and refuse to stop harassing me over a loan I do not owe
Product: Debt collection

I am reaching out to formally register another complaint against XXXX XXXX XXXX due to the harassment and maltreatment I've experienced, particularlysince XX/XX/XXXX, following my submission of a complaint to the ConsumerFinancial Protection Bureau ( CFPB ). The activities of your company, I believe, breachSection 1006.14 ( a ), which enforces the Fair Debt Collection Practices Act ( FDCPA ) section 806 ( 15 U.S.C. 1692d ). After being granted approval for a skip payment, Global Lending Services LLC misrepresented the skip loan, which led to anunjustified past-due notification on my credit report. Such misrepresentation hasnegatively impacted my credit score. Furthermore, my access to the online portal hasbeen unjustifiably deactivated despite my active loan status with your company. It'simportant to note that since the initiation of our loan agreement, all car paymentinstallments have been made in full and in good faith. Section 1006.14 ( a ) clearlyprohibits a debt collector from any conduct whose " natural consequence is to harass, oppress, or abuse any person in connection with the collection of a debt. '' Theactions of Global Lending Services LLC, as I have experienced them, fit within thisprohibited description