23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Today 's Date XX/XX/XXXX DOB- XX/XX/XXXX SSN- XXXX ( FTC XXXX ) - XXXX Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject XXXX Identity Theft Dispute under FCRA 605B To Whom It May Concern, I am writing to formally dispute fraudulent information on my credit report under the Fair Credit Reporting Act ( FCRA ) 605B, due to identity theft. Between the year XXXX very important documents that verified my immigration status were lost. Included in those documents were my XXXX XXXX, Social Security, XXXX ID, and files that noted down any important detail about my life. It took me a very long time to replace most of those documents. I decided for the first time to create an account on these credit bureaus and have seen that there is a lot of false information attached to my credit profile. I truly believe these accounts were opened by a 3rd party who found my lost information but never turned them in.

As an immigrant I was unaware of how easy it was for people to steal your identity. I am hoping for the best results regarding the following accounts below.

The accounts listed below do not belong to me and were fraudulently opened using my personal information.

I have attached a copy of my Identity Theft Report, as well as supporting documents, including a government-issued ID and proof of address. Pursuant to 605B of the FCRA, I request that you immediately block the fraudulent information from my credit report and take the necessary steps to prevent it from being reinserted in the future. 


The fraudulent accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 demand that these accounts be blocked from my credit report immediately and that any and all inquiries related to these fraudulent accounts be removed as well.

Under 605B ( c ) of the FCRA, you are required to block the fraudulent information within four business days of receipt of this valid identity theft report. Failure to comply will result in further legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal recourse. 

Please send me written confirmation that these accounts have been blocked and removed from my credit report within the required time frame. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I noticed sum transactions on my account that I didnt do and chime bank closed my desput and when I asked about reopening the matter and a credit they denied it
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXXXXXX Balance : {$21000.00} XXXX XXXX Balance {$10000.00} XXXXXXXX XXXX XXXX Balance {$8800.00} XXXX XXXX XXXXXXXX XXXX Balance {$13000.00}
Product: Credit reporting or other personal consumer reports

I have previously disputed US BANKRUPTCY COURT - XXXX XXXX XXXX XXXX XXXX, regarding bankruptcy dated XX/XX/year>, with all credit reporting agencies. In response, they verified the information as accurate, claiming they had confirmed the details with the courts. 
After reaching out to the courts directly, I received a response that is attached here. It clearly shows that the courts do not report to any credit reporting agencies. This indicates that the previous verification with the courts was either an error or potentially fraudulent. 

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgments ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

Regardless, the reporting of this information fails to meet the requirements of FCRA Section 611 ( 15 U.S.C. 1681 ), and as such, the bankruptcy entry must be deleted from my credit file immediately. Additionally, under FCRA 15 U.S.C. 1681b, any entity reporting or accessing my credit information must have a valid permissible purpose. I have not authorized any such permissible purpose for the continued reporting of this bankruptcy. As no lawful reason exists for this information to remain on my report, I demand its immediate removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX accounts # XXXX AND XXXX. 

Settled in Full with XXXX XXXX XXXX on XX/XX/2020 account representative is XXXX XXXX. I did receive letters settled in full for both accounts. 

I spoke with three different people at XXXX XXXX XXXX XXXX on XX/XX/2020. One advised they no longer own this debt they sold it to XXXX XXXX XXXX. I called back to ask for a letter stating that and was informed they do not have a letter to indicate that and was transferred to member services. I was then advised there was no update that payment has been fulfilled. I called three times to XXXX XXXX XXXX to find out when will it be reported back to XXXX XXXX XXXX XXXX as it has been over a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Account Details : Collections Agency : XXXX XXXX Amount XXXX Background : I had disputed this collections account with the credit reporting agencies, and it was determined that the account should be deleted from my credit report. However, I recently discovered that the same collections account has been re-added to my credit report. 

Request for Action : I kindly request the Consumer Financial Protection Bureau to investigate this matter promptly and ensure the permanent deletion of the aforementioned collections account from my credit report. I believe the re-addition of this account is unjust and a violation of my consumer rights, and I seek your assistance in resolving this matter as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I received a letter in the  US  mail fro m Macy  's on  XXXX   XXXX ,  2017. Th e letter advised that my recent request to obtain credit had been denied. The letter was addressed to me under my maiden name. I immediately contacte d Macy 's Cust omer Service to advise I did not authorize the request for this credit. I requested a copy of the application details to be mailed to me. I was advised I needed to contact the New Accounts Department which was open M-F  XXXX  -  XXXX  at  XXXX . On Monday  X/XX/17   , I contacted  Macy 's N ew Account Department, I was informed I needed to contact an alternate department at  XXXX . At  XXXX , I spoke with  XXXX  who advised the request for credit was not processed because I have a security freeze on my credit file. I requested a copy of the application,  XXXX  confirmed with her supervisor it would be mailed within  7-14  business days. I sent a written letter following up to my request for records and mailed it certified mail, tracking #  XXXX   XXXX   XXXX   XXXX   XXXX  whic h Macy 's r eceived on  X/XX/17   . Since I received no response from  Macys,  I sent a second letter to request a copy of the application on  X/X/17   , tracking #  XXXX   XXXX   XXXX   XXXX   XXXX , which  Macy 's rec eived on  X/XX/17   . Both mailings included copies of my FTC Identity Theft Complaint and the face sheet referencing the Police Report I filed relating to my identity theft. As of today,  X/XX/17   , I have not received a written response from  Macy 's regarding the application details. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am entitled to the business records relating to the fraudulent request for credit. The law directs these documents are provided to victims of identity theft at no charge, and without requiring a subpoena, within thirty ( 30 ) days of my written request. I am filing to complaint due to Macy 's not responding to my request.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am writing to dispute an unauthorized trade line that continues to be reported on my credit file by XXXX XXXX  XXXX and the three major credit bureaus ( XXXX, Equifax, and XXXX ) despite my multiple disputes. This illegitimate XXXX XXXX XXXXXXXX account listing is the result of fraud and identity theft, which I am a victim of. 

I have never opened or had any relationship whatsoever with XXXX XXXX  XXXX. I did not authorize this account, provide any personal information for its creation, nor have I ever had any access or made any charges on this fraudulent account. Despite disputing this inaccurate entry multiple times, XXXX XXXX  XXXX and the credit bureaus have continued harassing me about this account that has nothing to do with me. 

Under the Fair Credit Reporting Act ( FCRA ) : - 15 U.S.C. 1681c-2 requires blocking reporting of any information resulting from identity theft - 15 U.S.C. 1681e ( b ) mandates maintaining reasonable procedures to ensure maximum accuracy - 15 U.S.C. 1681s-2 ( a ) prohibits furnishing information to a credit bureau if notified of identity theft - 15 U.S.C. 1681i requires conducting reasonable investigations of disputes Additionally, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692d, 1692e prohibit harassment and the use of false, deceptive, or misleading representations connected with attempted collection of a debt not owed. 

The continued presence of this fraudulent XXXX XXXX  XXXX account and the unrelenting harassment about it by XXXX XXXX XXXXXXXX and the credit bureaus violates multiple federal consumer protection laws, as outlined above. As an identity theft victim, I have an absolute legal right to have this inaccurate and illegitimate information blocked, deleted, and no longer pursed or reported. 

I demand XXXX  XXXX XXXX and the credit bureaus immediately : 1. Investigate and remove the unauthorized account 2. Cease all harassment, collection efforts, and reporting related to it 3. Implement procedures to prevent its re-insertion per FCRA requirements Please promptly investigate this matter, take corrective actions, and provide me written results within the statutorily mandated timeframes. I am prepared to pursue all legal remedies for any continued violations of federal law, including filing complaints, seeking damages, and attorney engagement.

Enclosed is documentation and a copy of my identity theft report. I trust you will undertake a timely resolution to this serious matter that is severely damaging my credit and consumer rights.
Product: Payday loan, title loan, personal loan, or advance loan

I have been with Penfed for quite a few years now since leaving the service. I am a 100 % XXXX XXXX Veteran whom also is deemed XXXX through SS at this point. I use Penfed not only for banking but have a credit card and a personal loan through the credit union. Up until recent, I had never had a late payment ( if anything paid over ), nor have I even overdrafted the account. I reached out twice now to ask the credit card on the account to be closed and a hardship be placed on the account. I was asked to submit proof of why I am unable to pay and enclosed XXXX months of medical records showing me and out of the hospital with major health issues. My body is deteriorating as the VA said it would. I was told to submit proof of inability to pay. So twice I am told that me submitting that I receive XXXX and am unable to even work a cash job due to the progression of health issues and my hospital stays being extended more and more is not proof? What else do I need to do? I have asked for help and am instead ignored with accounts held open and exorbitant fees attached. I need hardship or help on the card or loan, what else can I do and why are they refusing to help me?
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a clearly states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX and the Consumer reporting agencies XXXX XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX XXXX, Resurgent and LVNV funding whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX, LVNV funding and Resurgent never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been trying to get in contact with these companies that claim that i am in debt to them to tell them that the debt is not mine. i have sent in many documents stating the obvious errors concluding the inaccuracies of the account. i have noticed this for quite some time and the information is incomplete. it has taken a toll on me financially. My lawyer has been notified to stop the company from contacting me and i kindly demand your quick response and to remove these accounts from my reports ASAP. Thank you.
Product: Debt collection

To Waypoint Resource Group : My credit report has an account ( {$770.00} ) reporting that is unknown, unverified and is a violation of the FDCPA and the FCRA and MUST BE DELETED FROM MY CONSUMER REPORT. I asked for specific documents to be sent to me. This did not happen. Since you are still reporting the unknown account on my consumer report, I will be preparing to take further action for damages for each month this account has been reporting on my consumer report, up to {$1000.00} per violation. And I will be seeking for other damages as well, under the FCRA and the FDCPA. ( WAYPOINT RESOURCE GROUP WILL BE HELD RESPONSIBLE )
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Its saying that my student loan ( PHEAA ) thats being shown on my credit score has increased from a possible missed payment. Its stating that between XX/XX/XXXX to XXXX XXXX I had a balance increase of {$22.00} from {$5500.00} to {$5500.00}. Also and increase of {$18.00} from {$4900.00} to {$4900.00}. Also, its showing between XX/XX/XXXX and XX/XX/XXXX and increase by {$22.00} from {$5500.00} to {$5500.00}. Between XX/XX/XXXX and XXXX XXXX and increase by {$17.00} from {$4900.00} to {$4900.00}. This is false! My student loans have been cleared on my credit report. I dont have any missed payments on my student loans and iam in good standing with my creditors. This is a mistake and it has brought my credit score down 22pts. I called the creditor to verify if I was late on a payment and they said I didnt have one scheduled until XXXX. I still made a payment of {$10.00} on XX/XX/XXXX just To be sure that I made a payment. My confirmation number for this is XXXX This was originally PHEAA WHICH IS SHOWING UP ON MY CREDIT PROFILE but, my loans been transferred to XXXX XXXX and aes XXXX which are now In charge of collecting my debt. Im not behind on any of my student loan payments, so, why is this showing up on my account an now, has brought my credit score down 22pts? Please correct this problem. My creditor for PHEAA IS XXXX AND YOU CAN CONTACT THEM BY MAIL OR NUMBER. XXXX-XXXX-XXXX  address department of education XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX If theres another creditor thats showing up for any other student loan, that shouldnt be since my account has been cleared of student loan payments, it would be from AES. A confirmation number for them will be XXXX. Their contact information is as follows. Number XXXX-XXXX-XXXX  address American Education services XXXX XXXX XXXX XXXX, MD XXXX Both of these accounts are up to date an shouldnt be in delinquency or in a negative balance. I havent missed any payments and I have confirmation numbers of me calling my creditors to verify this issue. They both said Im up to date and in good standing with them. I have no late payments or missed payments that I havent already payed for! Please correct this issue and take this off of my credit report. It has dropped my score down tremendously. Thanks again credit karma for all the help in correcting my depts. 

Ps : I didnt attach my account info or name or address to the papers Im sending because I dont want to give out my personal information if I dont have to. If you need anything else from me I can be contacted through my email XXXX or cell XXXX-XXXX-XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX XXXX
Product: Checking or savings account

I reported my debit card stolen in XX/XX/XXXX to the card company from the county jail I was in when I found at money was off acct.ive been prison sense that time & I don't get released until XX/XX/XXXX now at time I made report to card company & police there was XXXX dollars missing ok then more money was deposited to acct from my XXXX company that card company contuied to put on card that was stolen now it looks like this person my ex boyfriend who stold card out of purse who got my info out of my purse took the money admitted to my daughter & husband got the old money & new deposit out of acct now I never gave or told him he could do that & why would company keep letting someone take my info and keep getting my money when I'm in prison if anything they should have to give me money back after I reported card stolen that XXXX XXXX kept getting after I made report could you please help me
Product: Debt collection

I contacted customer service and spoke to an agent to cancel my service. This was due to poor reception in my area. I was advised to return all equipment which I did. The only reason I paid the collection was to have it removed from my credit reports as it should have never been reported in the first place. They are in violation of the FDCPA for erroneously adding a derogatory item on my credit report. This has caused my scores to be impacted negatively and I have been denied credit and had to pay higher interest rates. I am requesting that this is immediately removed from my credit reports. This has impacted my XXXX XXXX XXXX XXXX XXXX reports.