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

This is my six attempt to notify you 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. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Again, 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. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$7900.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$2300.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$460.00}, DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$4600.00}, DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$2800.00}, and DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity theft. My information has been exposed in the XXXX data breach. The following accounts, inquiries, and inaccurate addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me. I am submitting this complaint today to inform you about this matter. I researched on how to remove the fraudulent information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$570.00} XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 an identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

An incorrect address appears and has not been removed after I wrote Equifax on XX/XX/2020 - letter is attached.
Product: Credit reporting or other personal consumer reports

I am filing this complaint under the provisions of the Fair Credit Reporting Act ( FCRA ), as Experian has failed to adequately address my concerns regarding the accuracy of my credit score and the factors influencing it. 

On XX/XX/year> and XX/XX/year>, I contacted Experian to dispute inaccuracies related to my credit score. Specifically, I believe my credit score does not accurately reflect the information contained in my credit report. This discrepancy may be due to errors in how the score was calculated or weighted, or inaccuracies in the underlying data being used.On XX/XX/year>, my credit score decreased significantly due to a 60+ day late payment reported to Experian. However, Experian has been unable to provide me with the specific account and the late payment does not appear on my credit report. I have also contacted all creditors with which I have a relationship and all have confirmed that my accounts are in good standing. Note : After contacting both XXXX and XXXX, neither credit bureau reported a late payment or changed my credit score like Experian. 

Despite my efforts to dispute this matter directly with Experian, I was advised by three Experian representatives separately to hire a third-party credit advisor, which I believe is an inappropriate redirection of my legal right to dispute under the FCRA. Experian failed to provide adequate support in initiating an investigation into my dispute. I explicitly asked several times if there was an additional help I could receive from Experian to address the error to my credit score and was told no. I have spent over two hours attempting to resolve this issue with Experian, making more than 25 phone calls to their customer service. Unfortunately, the majority of these calls ( over 75 % ) were routed through automated messaging systems that either disconnected the call or aggressively promoted an upgrade to a paid Experian membership, rather than providing the assistance I needed. 

Under the FCRA, I am entitled to have Experian investigate disputes related to both the accuracy of the information on my credit report and the calculation of my credit score, as the score is derived from their reported data. Experians refusal to directly investigate my dispute constitutes a violation of my rights under the FCRA and fails what they are legally obligated to do under 15 U.S.C. 1681i ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/XXXX, I sent this credit bureau a copy of my FTC ID THEFT REPORT, a copy of my police report and a letter requesting to removed accounts : XXXX XXXX XXXX ac # XXXX and XXXX account XXXX ac # XXXX ( high balance {$26000.00}, opened XX/XX/XXXX ). On the letter I sent to this credit bureau, I quoted the stipulations of FCRA 605B which states that " a reported fraudulent account, with required documentations MUST be removed within 4 business days upon receipt ''. Again the letter, FTC ID THEFT REPORT and POLICE REPORT was sent to them XX/XX/XXXX. Clearly, this credit bureau has violated and showed negligence and none compliance with the FCRA stipulations. I will see legal assistance if these accounts will continue to be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have violated my rights, I have the right to privacy, they can not purchase my accounts without my written instructions. 


{$4600.00} Open balance XXXX XXXX XXXX XXXX  Original creditor XXXX Opened XX/XX/2021 ( 1 yrs, 6 mos ) Account status Open Type -- Responsibility Joint Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXXXXXX {$230.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/2021 ( 1 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX
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 XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 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 CREDIT BUREAU 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 collections 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: Debt collection

my Bankruptcy Chapter XXXX case # XXXX was XXXX as of XX/XX/2021 but XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX keeps created small claim /debt claim case citations and calling me. My newest case is XXXX at XXXX XXXX XX/XX/XXXX in XXXX XXXX, Texas. 

The lawyer on the last page is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to inaccurate information reporting on my credit report. It has been well over 60 days and I haven't received any investigation results. I have accounts that are reporting inaccurate on my credit report. There are accounts that I will list that says I have missed payments when I have always paid as agreed. Also my information has been exposed In the XXXX data breach and I need the accounts that have been opened due to my information being exposed deleted. This is a violation of the FCRA and they have to be reported correctly.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking to verify : XXXX  XXXX XXXX Account number : XXXX
Product: Debt collection

I have submitted letters asking to verify the debt was indeed my debt and they have failed to submit proper documentation. There is no signature or acknowledgment that account was my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/23 I submitted a dispute for Ashro company {$430.00} which close my account and sold the loan. I asked them to update my information by taking this info off because loan no longer belong to this company. They reported back to me that I couldnt disputed it again and it wouldnt be removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX which I have had a XXXX balance for over 6 months, reported my XXXX payment as late. I double checked, and the balance was still XXXX. I am set for auto-pay just incase there would be a fee. There was no payment due, no balance, and they marked me LATE. I contacted them about it and they told me to fix it through the credit bureaus myself!!!
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, 15 USC 1681 Section 602 ( a ) ( 4 ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. I am the consumer and XXXX, TransUnion and XXXX are the consumer reporting agencies. I as the consumer have the right to protect my private information and ensure that it is not being shared, which also aligns with 15 USC 1681 ( s-2 ) which states that 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. A person shall not furnish information relating to a consumer to any consumer reporting agency if he person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and the information is, in fact, inaccurate I have contacted all 3 credit reporting agencies via certified mail on XX/XX/2023 about the reporting of the inaccurate information on my consumer report. No correspondence nor corrections has been received for either of the 3 credit reporting agencies. I have attached proof of my only mailable address to this complaint.
Product: Money transfer, virtual currency, or money service

I went to XXXX my friend and it sent to someone else and then when I went to go get the information to get my return Wells Fargo stated that there was nothing else they can do and then random things started getting took out my account which led to my account getting overdrawn and they closed my account after I reported everything as fraud they still shut down my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

1. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
2. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
3. Did not consent to authorized this inquiry XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXunder the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence
Product: Credit reporting or other personal consumer reports

Every time i try to check my credit report or credit score i get this message saying it is not available. 
" Equifax We are temporarily unable to provide your credit score. Please try again later. ''
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Ones failure to deposit my direct deposit from my employer on XX/XX/XXXX after midnight like normal. Capital One had cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your full assistance in investigating this matter to ensure my rights upheld. Thank You
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy, XXXX XXXX XXXX ARKANSAS XXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED XX/XX/2019 that is not mines listed on my credit report, I have filed an Identity theft report with the federal trade commission as well, the report number is XXXX. I have filed a previous complaint XXXX and nothing has not been done. Please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to have these items stricken from my Credit Report with Experian, XXXX and XXXX. 

Experian is still showing the Federal Student Loans that were transferred to XXXX and forgiven under XXXX XXXX XXXX XXXX ( documentation attach with XXXX loan balance ). 

XXXX is the worst. They have duplicate Student Loan Information. One for XXXX XXXX XXXX and the same that was transferred to XXXX. This is incorrect. They are duplicating a loan that was closed under XXXX XXXX XXXX XXXX for which I have attached documents from online account and a letter I received recently. 

The last is XXXX, that reflects the XXXX XXXX ( XXXX ) and who blocks me from disputing or submitting a valid dispute for the erroneous information online under my rights under the FCRA. 

The XXXX Bureaus have been contacted multiple times even through your agency and they STILL refuse to correct the problem for which the dispute has been active more than 30 days. As a result of the duplicate reporting and erroneous data, they have negatively affected my credit where creditors have reduced my credit limits or closed my accounts. 

This is in direct violation of the FCRA. They are not fixing the problem although I have given them the evidence. I have waited long enough to have this fixed and these bureaus do what they want and ignore the facts. They report wrong and are continuously negatively affecting my credit.
Product: Credit card or prepaid card

I need Synchrony to STOP pulling my credit. My credit score has taken a serious downward turn because of the numerous inquiries from Synchrony Bank. 

My score has dropped XXXX points due Synchrony keeps pulling my credit report over and over. 

I have ( XXXX ) credit card accounts with Synchrony Bank and they have continued to pull my credit. 

They have done nothing but ruined my Credit systemically. One account at a time taking the rest of my credit with it. This bank is the absolute worst. They lowered my credit limit on 3 of my credit cards without notice and never responded to my inquiry as of WHY. Ive been making monthly payments and have never been past due. Theyre worthless and dont communicate.
Product: Debt collection

On or around XX/XX/XXXX I discovered multiple inaccuracies on my credit report, including but not limited to, two capital one credit cards, with charge-off balances of {$510.00} and {$300.00}. On or around XX/XX/XXXX, i sent correspondence to Capital one in an attempt to dispute the fraudulent accounts and all charges associated therein. Capital one failed to respond. In XX/XX/XXXX I filed an Identity Theft Report with the FTC and sent a copy of same along with correspondence to each credit bureau identifying all fraudulent accounts and further requesting that all unauthorized charges be blocked from my credit report pursuant to FCR.605 ( B ). On XX/XX/XXXX I advised that I did not open or authorize this account, and I requested that it be closed immediately. I requested that the company send me written confirmation that I am not responsible for charges on this account, and to take appropriate steps to remove information about this account from my credit files. Because the information the company reported is the result of identity theft, and inaccurate, I requested that they stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). To date, the company continues to report two fraudulent capital one credit card accounts which continue to negatively effect my credit. Capital one has not and can not provide any credible evidence to establish that the credit card accounts were opened by me and I continue to maintain that I did not authorize the accounts and/or receive any benefits as a result therefrom.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

INCORRECT ADDRESS : XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXXXXXX INCORRECT NAME Reported : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, INCORRECT Telephone Numbers Reported : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX INCORRECT Employment Data Reported : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I opened a Kracken crypto account the end of XXXX XXXX and made buys for two weeks. I tried to make a buy in XXXX and they froze my account. II have been trying to close my account since then with dozens of Emails with their support team I could still not access my account. They kept saying security reasons. Now I received an Email from Kracken saying my problem was solved and my account was closed. I did NOT close my account and my {$2000.00}. did not go back to my bank. They seem to have stolen my money. Fraud or incompetence, one or the other. I even bought a cold wallet and they still denied access to my assets. This is not a good company..