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

I am submitting this complaint regarding the Fraudulent information reporting on my Credit Reports. The last letter I sent to the Credit Reporting Agencies was XX/XX/2022 with complete attachments of my Personal information. I am a victim of Identity Theft and I have reported the theft of my identity to the FTC. The items I am disputing do not relate to any transaction that I have made or authorized neither did I received any benefits as a result of the identity theft. Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. The items listed below are the results of the Identity Theft, therefore I am requesting the Credit Bureaus to comply with the law and remove these from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  Balance {$0.00} XXXXXXXX XXXX XXXXXXXX {$0.00} XXXXXXXX XXXX Balance {$850.00} XXXXXXXX XXXXX Balance {$0.00XXXX XXXX XXXX XXXX  XXXX Balance {$83.00}
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance Owed : {$60.00} XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block inc ) .due to inadequate customer service and unfair practices, XXXX violates the consumer financial protection act ( cfpa ) specifically Cashapp failed to take timely and effective measures to prevent and fraud of their platform leaving my account vulnerable and unprotected.Further more, their dispute process resolution was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation E.these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT THERE ARE ACCOUNTS ASSOCIATED WITH THEFT ON MY CREDIT REPORT. THE ACCOUNT WAS REMOVED NOW IT REAPPEARED ON MY CREDIT REPORT AGAIN I AM REQUESTING THAT THESE ACCOUNTS BE REMOVED IMMEDIATELY. 

1. XXXX XXXX XXXX ACCT NUMBER : XXXX 2. XXXX ACCT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XX/XX/2022 XXXX tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report. 

Foursight XXXX XXXXXXXX I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report. 

CPS XXXX I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report. 

XXXX  XXXX I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report. 

XXXX XXXX XXXX I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report. 

XXXX XXXX XXXX XXXXXXXX I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report. 

XXXX XXXX XXXXXXXX I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report. 

XXXX XXXX XXXX XXXX I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report. 

XXXX  XXXX I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report. 

XXXX XXXX I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report. 

XXXX XXXX XXXXXXXX I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report. 

XXXX  XXXX I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report. 

XXXX XXXX XXXXXXXX I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report. 

XXXX XXXXXXXX I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report. 

XXXX XXXX XXXX XXXXXXXX I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report. 

XXXX XXXXXXXX I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report. 

CPS/XXXX  XXXXXXXX I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report.
Product: Debt collection

On XXXX XXXX, I contacted Nationwide Recovery System and XXXX XXXX XXXX regarding a bill for XXXX. I informed both companies, I never received any written correspondence about this debt, nor a phone call. The companies admitted they did not have my correct phone number or mailing address. They have since submitted this debt to XXXX and XXXX. As of XX/XX/24, the debt was removed from XXXX, but they added it to my XXXX credit file, which has caused an adverse drop to my credit score. I am closing on my house, and can not afford to have this mistake they made affect me from closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the XXXX breach, I started to get concerned about my credit and wanted to make sure that my information was correct and up to date. I enrolled in a credit monitoring website called XXXX XXXX  XXXX and from there I was able to take a look at my credit report. I started to noticed a few credit inquiries for banks that I did not apply for. This was alarming because i never authorized the credit companies to look at my credit history. I immediately contacted XXXX, Transunion and XXXX to place a block on the fraud inquiries. 

XXXX XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, My name is XXXX XXXX, former address XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. My previous FHA Loan was with LOANCARE Servicing. I sold my home in XX/XX/XXXX because I am XXXX XXXX military and had to move to XXXX LOANCARE is reporting 19 late payments on my account which is completely inaccurate and I have the bank transcripts to prove this, which have been sent to them through two different disputing agencies. There was partial payment made throughout the history of the loan by mistake from when my spouse, who was going through 2 years of XXXX and XXXX, made partial payment. Unfortunately while I was XXXX, she had to remember and cover down some of our bills. This was also provided in the dispute sent to LOANCARE. Right now I am XXXX and my Wife ( In remission from XXXX ) and XXXX year old Son are XXXX  because the reporting of my mortgage payments is false and I can not receive a new home loan. 

I would like them to report what payments were missed and what payments were late and also provide some form of documentation to me in the meantime while my credit updates so that I may in tern provide this to a new lender in an effort for a new loan. If I made a payment for XX/XX/XXXX, in XXXX of XXXX it should report as such. If XXXX of XXXX was missed, then that should report as well. At least then I can pinpoint the time and location of why the payment did not make it to the mortgage lender, for example, I received a XXXX XXXX XXXX bill in XXXX of XXXX, or I was out to sea and unable to access internet or communication devices. 

Thank you for your time and If you can provided any assistance in this matter I would greatly appreciate it. 

XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right tp privacy.

15 U.S.C 681 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.C1 681s-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: Payday loan, title loan, personal loan, or advance loan

The company that provided service did not finish and what they did was not followed according to trademark product to make it a solar product. I dont know if they even used it to be honest, so created a bigger expense for me-so lt failed! I also did not know that there would be a lien on my house. I tried and tried to resolve with company that did job, but they kept giving me the run around. I called ygrene to let them know situation and they said they cant help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 

XXXX XXXX XXXX
Product: Checking or savings account

My identity was stolen and I have many fraud disputes. I turned in all the transactions in question. XXXX XXXX of the claims were not covered. The bank accused me of changing my story. When I filed these complaints I didnt know, now an X friend, a friend was taking my card at night and using it. I have lost thousands of dollars. When I found this information out I gave the bank the name, address and phone number of the criminal. Later in the process I also found out my identity had been stolen. The bank didnt care and is still refusing to refund my money. They are telling me to get restitution against the criminal. I have been working with the police to prosecute these individuals. The bank has been supoenaed for all photos of the criminal and to this day has only provided videos totaling about 7 photos. I also went to the local branch, identified the same criminals, which I had already reported to the bank, and they refunded me 4 transactions but they never refunded any other transactions with these same criminals in the pictures. There are about 60 to 80 transactions involved. The bank has also claimed in writing that I authorized these transactions. Why would I be willing to prosecuting these individuals if I authorized these transactions? The bank has continually called me a liar. My case got more details as I investigated things more so I continually updated the bank. I told them about my identity theft and later they said I never reported that. I never lied to them they just dont want to return what is mine. One day there was about 8 transactions totaling over {$1500.00} and they said that I changed my story and I authorized these transactions and they are dead wrong. I only added information as I found it out. This bank is treating me like the criminal instead of the real criminals. The bank also told me I had to file a police report. How can a bank require that? They also closed three past accounts already so I have no access to these claims.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX998 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of 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 XXXX 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 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 XXXX XXXX XXXX. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 did not authorize XXXX XXXX Transunion, and XXXX to access or use my credit information. At no point did I open an account with this company or give them permission to use my credit information. 

I believe this action violates the Fair Credit Reporting Act ( FCRA ), specifically [ cite specific sections of the law, e.g., Section 604 for permissible purposes of consumer reports, Section 609 for disclosure of information to consumers, etc. ].
Product: Credit reporting or other personal consumer reports

ACCT # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX Dear XXXX XXXX XXXX, I recently received a debt collection notice from your office with an account number # XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this
Product: Debt collection

I have used the online message center to update Chase on my unemployment but when I send an update, they immediately start calling, every hour or two and never have record of any previous update, conversation and promise to pay. The collection calls last an hour or so with lots of " I'm sorry '' and promises to record the information provided, but they never do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells fargo is reporting late payments after my loan was paid off. I paid my loan off in XX/XX/XXXX, which the attached report shows it was XXXX balance paid off. Then when I got a new credit report pulled in XX/XX/XXXX Wells Fargo has 2 NEW late payments on a PAID OFF and closed account for XX/XX/XXXX and XX/XX/XXXX. 
I disputed these and the bureaus and Wells claim they are valid. I want to know exactly, how NEW LATE PAYMENTS are accurate when the account has been paid. This has affected my financing and caused me to LOSE a house. So Wells Fargo needs to delete these late payments or the next correspondence will be from my attorney. The bureaus are in violation as well. I mean this is ridiculous.
Product: Credit card or prepaid card

This is basically the same issue as before. Capital One is claiming they dont have payment when last time they miraculously cashed the check. This time they were sent a check fie {$26000.00} XX/XX/2023 and they STILL have not cashed it. Meanwhile they charge late fees and interest????
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Please confirm the information shown in this collection account. The unverified account, FINANCIAL CREDIT NETWO ( XXXX XXXX XXXX  ) XXXX, is still reporting on my credit report in violation of Federal Law. This account was already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation. If unable to, remove this account immediately.
Product: Credit card or prepaid card

Company closed the account with a balance of {$1700.00} and now send me some collections letters and harassment calls daily. I have to block the number from my phone getting so many calls daily. Account was closed X/XX/17 and never get any issues until now. I want the harassment to stop and the letters immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

? = Data Point is QUESTIONABLE in its reporting I = Data Point is INCONSISTENTLY reported across displayed bureaus, an infraction of the 5th point of XXXX XXXX Five points of compliance! 
M = Data Point is MISSING and or is DEFICIENTLY reported as compared to what is most likely information that SHOULD OF BEEN adequately reported! 
U = Data Point is else wise UNPROVEN, as reported! Undocumented claims can NOT be assumed valid nor compliantly reported! 

RISE XXXX XXXX XXXX Account # : XXXX I U? 
Account Type : Installment I U?

Account Type - Detail : Unsecured loan I U?

Bureau Code : Individual I U? Account Status : Derogatory I U? Monthly Payment : I U?
Date Opened : I U?

Balance : I U?

No. of Months ( terms ) : I U?

High Credit : I U?

Credit Limit : I U?

Past Due : I U?

Payment Status : I U?

Last Reported : I U?

Comments : I U?

Date Last Active : I U?

Date of Last Payment : I U?

Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, resulting in several fraudulent accounts being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts to ensure the accuracy of 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 XXXX XXXX XXXXXXXX ] Specifically, I am seeking the removal of 4 unauthorized accounts. It is essential that my credit report reflects only accurate and legitimate information.

Additionally, my personal information was exposed in the Equifax data breach, which has further compromised my identity and contributed to this fraudulent activity. I expect this matter to be handled with urgency and diligence to restore the integrity of my credit report.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. have never been late on payments for the account ( XXXX XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Student loan

I have been paying my student loans for 11 years. I was on Autopay and never missed a payment. About 1 year ago I lost my job. I now have no money while I am looking for a new job. XXXX of my lenders allowed me to deffer my loans as was the case when I graduated college. However XXXX XXXX now Navient has refused to grant me defferment and insists I pay them {$150.00} to deffer my loans for 3 months. I told them I have no money and did not pay. Navient has began harrassing me instantly by missing XXXX payment. I have received like XXXX calls from XXXX different numbers from XXXX to XXXX. This is plain rediculaous. What other business harrass people like this? I have no money to pay them and am now requesting all information be sent by mail. What are my options.