23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX XXXX XXXX at XXXX XXXX XXXX opened a balance in the amount of {$2900.00}. This is an apartment community in XXXX, Ohio. I called the apartment community and their corporate office and they said they had no record of me living there. I told them this charge was appearing on my credit, I asked them for proof of residency. They do not have it. I also asked for proof of my identification and signature on the lease agreement, they didn't have that either. 

The charge is for a month of rent for the fall of XX/XX/XXXX per the collection agency, but the apartment complex knows nothing about it. In the fall of XX/XX/XXXX I lived at another apartment community that I worked for. I have witnesses with my previous supervisor and records showing my dates of residency. I never occupied an apartment at XXXX at XXXX XXXX. When I spoke to someone at their corporate office they said maybe it was identity theft, but again they have no lease or documents proving that I owe or stayed there. 

For the past five years I have completed paperwork to remove this debt, I have struggled to try to purchase a home or even lease an apartment. Everything has had to be under my husbands name. I need this debt removed, I never lived or even applied to live at this community and they have been affecting my credit score for 5 years for collecting a debt I don't owe.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANYS DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Product: Debt collection

Debt Collector reporting false information on Credit Report. First Date of Delinquency as XXXX, XXXX dated of delinquency was XXXX, will not put account into closed status causing monthly continual reporting on credit report, also reporting as XXXX XXXX XXXX, false representation. On XXXX report reporting terms which is against regulation for collection agency. Attempts by myself to obtain verification of all information have gone unresponded to. Dispustes thru Credit Reporting Agencies have verified false infomation. contacted HSBC original creditor they will not tell me anything saying pra owns debt now, and that they can not verify debt. i dont know how credit agencies are verifying this then, my only thought is pra is verifying for hsbc. XXXX deleted XXXX lines off my report stating information was not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Last 4 of Social Security : XXXX XX/XX/1993 XXXX XXXX XXXX XXXX, CA XXXX XXXX These accounts have been opened fraudulently without my legal consent or permission. The credit bureaus will not remove. I have filed police reports as well. 
Please have them remove these inaccuracies immediately. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness, and I will seek damages if they are not removed and you are unable to provide the necessary documentation. 
It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Failure to comply with the deletion demand if you are unable to provide METRO 2 COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the State of YOUR STATE. Additionally, if you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal and punitive damages available by law. 



ACCOUNTS : XXXX XXXXXXXX XXXX {$4200.00} XXXX {$1100.00} XXXX XXXX XXXXXXXX XXXX {$890.00} XXXX XXXX XXXXXXXX XXXX {$520.00} XXXXXXXX XXXX XXXX XXXX XXXX  {$300.00} XXXX XXXX  {$3400.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX {$550.00} XXXX XXXXXXXX {$1100.00} XXXX  XXXX XXXX  {$1200.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX  {$480.00} XXXX XXXX {$180.00}
Product: Checking or savings account

I recently incorporated and started a XXXX, XXXX XXXX. I transferred {$2000.00} from my personal checking to the XXXX  acount. The money was debited, then it disappeared. It was never moved to the XXXX  account. I have spoken with bank of america, and they say the money is gone, and they don't know where it is. I was also told that if I don't put money into the business account, I will be fined. No one can tell me what happened. The person I spoke with said don't worry, {$2000.00} isn't that much.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : Charge Off XXXXXXXX XXXX XXXX XXXX {$1800.00} XXXX  XXXX XXXX {$510.00} XXXX & XXXX XXXX {$8700.00} Collection XXXX XXXX XXXX XXXX {$980.00}
Product: Credit reporting or other personal consumer reports

I can't be affected by things that don't belong to me, I need this to be removed immediately XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, wrong information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 via certified mail tracking Transunion is in receipt of a package i sent to include : proof of my identity, proof of my address, FTC Identity theft report no. XXXX, the alleged account details, credit report dated XXXX with fraudulent account listed, credit report dated XXXX with the fraudulent account listed, a written statement that someone stole my identity, and to immediately remove the alleged account that is fraudulent and causing me personal harm. 

On XX/XX/2023 by phone call I followed up because the alleged account is still showing on my credit report. Per 15 USC 1681c-2 Transunion is legally required to remove alleged identity theft accounts within 4 days after receiving written notification by the consumer. I called multiple times which includes more than one occasion I was disconnected while being transferred to a supervisor or also more than one occasion the agent went silent and then disconnected the line. The agents i spoke with are XXXX, XXXX, supervisor XXXX, XXXX, XXXX XXXX, supervisor XXXXXXXX XXXX., XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, supervisor to a supervisor XXXX XXXX. 

Supervisor capacity agent XXXX XXXX says Transunion has the authority to decline or rescind any block and this is also fraudulent activity by Transunion and per 15 USC 1681b-2 Permissible purposes of consumer reports I have *not* given Transunion or any consumer reporting agency written permission to furnish my private information. 

My rights as a consumer are being violated and I request that Transunion comply and remove the alleged account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX / XXXX XXXX & XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX writing to formally dispute an inaccurate item on my credit report. The information related to an account with XXXX XXXX XXXX  is incorrect and should be permanently removed from my credit file. 

The details of the disputed account are as follows : Creditor Name : XXXX XXXX XXXX Account Status : Closed In Collections/Charge-off Balance Reported : {$17000.00} Date Closed : XX/XX/year> Payment History Issues : XXXX days late, multiple missed payments Upon reviewing my credit report, I found errors and inconsistencies related to this account. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough investigation into this matter. I believe this account is inaccurate or unverifiable and should be deleted entirely from my credit report. 

Please find enclosed copies of my identification and supporting documents for verification. I kindly request that you investigate this claim and remove the account from my credit report immediately. If the disputed information can not be verified, I expect it to be deleted in accordance with the FCRA. 

I would appreciate a written response confirming the results of your investigation. If the account is not removed, please provide documentation verifying its accuracy. Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
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. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Credit reporting, credit repair services, or other personal consumer reports

I really need assistance with making sure the bureaus delete this fraudulent account and it stays deleted. Last much I reviewed my credit report online as i do every month and I noticed a new account XXXX XXXX XXXX for {$1900.00} which turned out to be a XXXX collection, I was immediately alarmed because I have not been to the emergency room or hospital in years nor have i visited a doctor. I called the company thinking surely they have me confused with another because I have a very common name but more alarming still it was my information! I went to the police station right away to report this fraudulent use of my information and disputed the account with all 3 credit bureaus as fraud. So far the account remains, I will attach a copy of the police report. Please help.
Product: Debt collection

I received a letter stating that I owe an amount on this account. I ran my credit report recently and I found it listed by  XXXX   XXXX   XXXX , and had it investigated and removed. They have now sold it to you so that you  may h ave a chance to make a few bucks.   I have never lived at the address in question and have no intention of paying you or anyone for a bogus reporting of information.   Therefore, I ask that you cease and desist any and all actions on this. Failure to do so, I will fill a complaint in small claims court against your company and report this fraudulent information to all concerned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never consented to this information being furnished, infringing upon my right to privacy. 


XXXX XXXX XXXX ( CLOSED ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED XXXX  XXXX AND ALL INQUIRIES
Product: Debt collection

This medial collection company by the name of MSCB INC has falsely reported a medical collection on my credit report. They have a balance of {$1800.00} listed on my credit report. However, my insurance company XXXX XXXX XXXX XXXX has already covered what they can cover and per the previous notices i have received from the XXXX XXXX XXXX in XXXX about this medical collection, it stated that the remaining balance of the debt was {$400.00}. The medical collection agency has failed to send me any notices and has also failed to send proof of the alleged debt in the amount of {$1800.00} that they are falsely reporting on my credit report.
Product: Debt collection

My check is being garnished for a debt that is not mine, they said I was surved paperwork and I wasnt. Didnt receive anything about this .this debt is over 8 years old. Garnishment will cause me to be homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX  XXXX  violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit file for others to see. 

They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my credit report. This is a violation on my consumer protection rights.
Product: Debt collection

I am unaware of this debt, I didnt have an opportunity to dispute this information. If in fact you believe you gave me proper notification then please send me the certified mail receipt with my name and my signature on it.
Product: Debt collection

I had fraudulent activity on my account, resulting in debt of XXXX XXXX the bank is saying that I owe them XXXX $ because they cant reverse XXXX money transfers. I am a full time XXXX XXXX with no money to pay this back. Especially when it was fraud
Product: Credit card or prepaid card

XX/XX/2022 XXXX and XX/XX/2022 XXXX XXXX issued inquiry. 
There were unauthorized transactions made with this card. 
Noticed collections on XXXX XXXX  Filed dispute with all XXXX credit beauros Dispute was corrected and collection was removed. 
Transunion has Deliberately denied me to dispute fraudulent activity on my consumer report. 
My credit score dropped XXXX points From XXXX to XX/XX/2022 XXXX to the fraudulent account.
Product: Credit card or prepaid card

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Checking or savings account

I have been trying to close my deceased mothers account I have visited 3 times and called once. Each time I am told a different set of requirements. I have submitted death certificate and order from the probate court. To no avail. It appears to me they are purposefully making difficult to close this account to keep account at a very low rate. .05 %. Feel unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending disputes over the last six months in order to have some inaccurate accounts deleted from my credit report. To give them credit they have deleted most of the accounts so Im grateful for that. However, there is still an account remaining that is inaccurate. I disputed the account in question last month but it wasnt deleted or updated to never late. All 3 credit bureaus are reporting different information for the same account which is a clear violation. Also, XXXX has determined my account to be reported as never late. This is all my proof for the account needing to be fixed immediately. Its extremely important for me to have this matter resolved as my credit score has been holding me back from moving forward in life.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX under the account number XXXX. Medical account under XXXX opened on XXXX under account XXXX, XXXX opened XXXX under the account XXXX. XXXX XXXX opened on XXXX under account XXXX, XXXX opened on XXXX in the amount XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing in my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved. On XX/XX/2021 I submitted a dispute with Equifax and its been over 30 days and I havent heard anything back in regards to that dispute. This is unacceptable.
Product: Debt collection

I am submitting this complaint today to have my credit restored and to inform CFPB about this companies misconduct. I had a Wells Fargo Account ref # XXXX. The account has been closed and Wells Fargo is attempting to pursue collection activities by updating the balance every month on a debt that is past the statute of limitations. This misconduct had damaged my credit more than legally permissible which is a violation of FCRA. Attached to this complaint is a copy of small claims suit I filled up and readied to be filed if the issue will not be resolved with CFPB 's intervention.
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 15 USC 1681. 
XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help, I noticed I have some inaccurate " late payments '' on my credit file. I have disputed the accuracy of this account several times but I was never notified of the investigation results. Pursuant to the Fair Credit Reporting Act XXXX XXXX XXXX, an investigation must be complete in 30 days. Since the investigation was not complete it is a violation to my consumer rights and this account must be updated to " paid on time '' or deleted. It is also a violation of my right to privacy and it harm my general reputation for this inaccurate information.
Product: Debt collection

On XXXX XXXX reliant capital solutions reported I owe a debt of {$1000.00} for XXXX XXXX. I dont own that debt. I requested the original Copy of the debt but never received it
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Tennessee XXXX XXXX XX/XX/year> Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear to whom it may concern, Re : Settlement Offer for Account Number XXXX I am writing to propose a settlement offer for the above-mentioned debt. As you are aware, I have been experiencing financial difficulties and have fallen behind on my payments. After careful consideration, I am offering to pay 25 % of the outstanding balance in a lump sum payment. 

This offer is a one-time settlement proposal, and I believe it is a reasonable and fair compromise considering my current financial situation. I am willing to work with you to find a mutually acceptable solution and avoid further collection activity. 

If this offer is acceptable, I request that we enter into a written settlement agreement that includes the following terms : The creditor agrees to delete the account from my credit file upon signing the agreement. 
The creditor reports the account as " paid '' or " settled '' to the credit bureaus, once settlement is paid. 
The creditor waives any remaining balance and agrees not to pursue further collection activity or legal action. 
If I fail to make the agreed-upon payment, this settlement agreement shall be deemed void, and the creditor may : - Put the account back on my credit file - Pursue collection activity or legal action to recover the full amount of the debt Upon completion of the settlement payment, I will be eligible to apply for credit and conduct business with the creditor in the future, subject to the creditor 's standard credit approval processes and terms.

Please let me know if this offer is acceptable, and we can discuss the details of the settlement agreement. If not, I would appreciate any alternative proposals you may have. 

Thank you for considering my offer. I look forward to your response. 

Sincerely, XXXX XXXX XXXX