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

I am so disgusted by the fact that I've wasted so much time attempting to recover anything about my identity. There is absolutely no point and it isn't because experian is reporting truth, or that they make things hard to dispute, they simply don't put one ounce of effort in from the bottom to the highest person I've spoken with at their company. 
I have decided to just give up on trying. 
I spent the last 2 weeks on the phone calling creditors with a restoration specialist, XXXX XXXX. Nearly all day from XXXX XXXX to XXXX XXXX, calling and sitting through the things that I do on a daily basis with these XXXX who seem to only exist to waste time, with her listening to the entire conversation and identifying herself as being from experian. The first time i've had any shred of hope at all. 
After we were finished, she referred me to identity theft insurance and created a claim number. She said that she thinks I am due a lot ( I'm having trouble even getting a claim submitted for the things that are covered by this policy which seem like nothing ). She also said that a couple of the creditors that we spoke with, I may need to take to court and if I do that I should have my attorney subpoeina our phone calls as evidence that I do not owe these creditors anything. She also filed new disputes for me on a ton of things. I felt like I was maybe going to make it out of this alright. 
Im sitting up at midnight looking at my credit report because I can't sleep like usual. I see that every single one of the disputes she submitted were ruled " unchanged '' mostly because I've reported them in the past, they did nothing in their investigation, and then ruled against me a day or two later. So now they are simply referencing their lazy effort from months ago, and saying " we didn't actually do anything, we just saw it was already disputed so we ruled against you. '' I can go on for a full novel about the injustice created by experian every single day. But I want this to be read, so I'll just say that on the first page of this complaint it asks what my complaint is about. Part of me wants to file a separate report for all of these things because every single one of them has happened nearly every single day since XXXXXXXX XXXX : Incorrect information on your report ( account or personal information incorrect, information not mine ) Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit monitoring or identity theft protection services Problem with fraud alerts or security freezes Problem with a company 's investigation into an existing problem Which best describes your problem? 

Problem canceling credit monitoring or identify theft protection service Billing dispute for services Received unwanted marketing or advertising Problem with product or service terms changing Didn't receive services that were advertised
Product: Credit reporting or other personal consumer reports

Subject : Dispute of XXXX XXXX XXXX Account Under FCRA To Whom It May Concern, I am writing to formally dispute the collection account reported on my Equifax credit report by XXXX XXXX  XXXX. According to the XXXX XXXX XXXX XXXX ( XXXX ), this company is not licensed to collect debts in the state of California. As such, this accounts reporting is inaccurate and should be permanently removed from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), Equifax is required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a collection account from an entity not authorized to operate in California constitutes a violation of this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I am entitled to dispute inaccurate information, and Equifax is obligated to investigate and correct or delete unverifiable data.

Actions Requested : Proof of Licensing : Provide verifiable proof that XXXX XXXX XXXX is licensed to collect debts in California. 

Remove the Inaccurate Entry : If such proof can not be provided, permanently delete this collection account from my credit report. 

Provide Written Confirmation : Send me written confirmation of the accounts removal and an updated copy of my credit report reflecting the correction. 

I request that you complete your investigation and provide a response within the XXXX timeframe required under the FCRA. Should you fail to address this matter appropriately, I will escalate my concerns by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals office. 

Thank you for your prompt attention to this matter. 

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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that Experian, XXXX and XXXX credit reporting agencies 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 personal credit card accounts opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXXXXXX XXXX opened XX/XX/XXXX and XXXX XXXXXXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX and XXXX XXXX  XXXX opened XX/XX/XXXX An auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ) and XXXX personal loan accounts at XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX and XXXX XXXX XXXX opened XXXXXXXX XXXX.These accounts have resulted in several fraudulent charge offs appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft
Product: Checking or savings account

A checking account at Bank of America ( BoA ) was opened in my name tonight XX/XX/23. At XXXX, I received an email from BoA to verify my email address. At XXXX, I received an email from BoA that Weclome to Online and Mobile Banking. At XXXX, I received an email from BoA that my Online application is in progress. At XXXX, I received an email from BoA that my application was approved. I called BoA 's fraud hotline and alerted them of this and they asked me from my SSN and current/previous address. They disclosed that account was open in my name but could not disclose who opened it, or where the location was. They said they closed the account and would conduct a fraud investigation. From what I've read online, the fraud investigations don't amount to anything but I will wait and see.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple bank and credit card accounts were opened on my name by someone. I was able to get hold of three credit reports and 'XXXX ' report to dispute the inquiries and then lock/freeze the report to prevent further damage. 

One of the bank account ( XXXX ) was not reported on credit reports + XXXX XXXX report. XXXX customer support person informed me that bank uses " earlywarning.com '', this is surprise as 'identitytheft.gov ' or any other website did not mention about this company anywhere. 

1. earlywarning.com is not having proper online method to request my consumer report. 
2. consumerservices.earlywarning.com is failing with XXXX error not able to register email for sending documents. Customer support was not helping to resolve the issue. 
3. I have called customer support and provided all PII, identity questions over the phone to request a report. Report will be sent in 15 days, I will have to wait 15 days to know at which other banks new accounts were opened. By the time I get report it will be outdated, new accounts may be opened in 15 days. 
4. Important : There is no way to set fraud alert or freeze/lock my data at 'earlywarning.com '. Customer support person is saying that I will have to keep checking data and dispute the incorrect entries, it is not stopping fraud. It is lot of unnecessary work for me for next several years.
Product: Debt collection

XXXXInformed company that I had obtained counsel for Bankruptcy filing provided name and number to attorney and requested them to stop contacting me. Collector stated he will continue calling and texting so that they will still keep trying to pull payment from my card and that they will report me to credit bureaus. I stated once again to stop contacting and they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED
Product: Credit card

Fraudulent transaction on my Citibank credit card used to purchase tickets via XXXX for XXXX XXXX XXXX game on XX/XX/23 in XXXX. I've never been to a football game in XXXX, I live XXXX miles away. XXXX sent these tickets to a email address ( and IP address ) that is not mine. In fact Citibank notified me of this charge and closed out that credit card & issued me a new credit card because of this transaction. Citibank gave me a provisional credit on XX/XX/23 but then on XX/XX/23 reversed that charge saying that they have closed their investigation and determined it was a valid charge ( see attachment ). XXXX emailed these tickets to " XXXXXXXX XXXX XXXX '' ( see attachment ) and that person enjoyed a football game at my expense. I have visited & spoke to Citibank on numerous occasions but they are not willing to do anything. I'm in the process of closing out my checking & savings accounts at Citi.
Product: Debt collection

I asked Fairway Capital Recovery several times to email me information about my debt and filled out the " contact us '' form on their website ( since they do not list an email id to communicate with them ). They have not don't so. All this while they have maliciously left a collections flag on my credit report to ding my credit score. Even after calling them and requesting emailed information of the debt since I have not received any from them they have still not sent the information and my credit continues to be damaged because they won't take of the collections flag. I do not have enough information on the debt to verify if it is mine and they are not responding to my attempts to contact them. They claim they mailed me some information via physical mail but I never received anything. The address they have on file may be old which is why I asked them to email me explicitly and provided my email id but they have not sent over any information. They are also not deleting the collections flag from my credit report so my credit score is staying hurt. And at the same time they are making no effort to give me information on my debt even after I explicitly requested it because I do not have sufficient information.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX - XXXX - You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) By the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX and Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

Now trans union is not reporting my XXXX account. They tell me that it was deleted as a result of the complaint against XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX first reported a 30 late payment on my credit report to Experian, XXXX, and XXXX  on XX/XX/XXXX. I wrote all three credit bureaus a letter in XX/XX/XXXX stating that the statue of limitation had expired, showing them their historical data since XX/XX/XXXX, and asking them to delete the account because they're in violation of the FCRA because the account is still reporting on my credit reports which is causing me to be denied credit. XXXX, XXXX, and Experian allowed XXXX XXXX to re-aged the account even though their historical data shows that the first date of delinquency was XX/XX/XXXX. They allowed XXXX XXXX to report inaccurate information to their companies claiming that the first date of delinquency was in XXXX, refusing to delete the account from my credit report, stating that the account shall remain until XXXX ( 12 Years ) since the first month of delinquency. XXXX  then updated the account this month which caused my credit score to drop 51 points.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXX XXXX Balance XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00}
Product: Money transfer, virtual currency, or money service

On XXXX of XX/XX/2022, My paypal account got shut down without any warning whatsoever..just out of the blues I received an email informing me that my PayPal account has been permanently closed. They said the reason for closing the account is because I had continually filed cases that do not align with paypaos 's buyer protection policy. This was clearly a mistake because my account has not filed any single case since ir started operating so I was quite shocked. 
Paypal email address is " XXXX ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX, XXXX, H ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance Owed : {$13000.00}.
Product: Vehicle loan or lease

I am compelled to seek your immediate intervention with Mechanics XXXX XXXX due to unresolved issues on my credit report. Despite my diligent efforts, including sending a certified letter, which was returned, the company continues to report negatively on my credit. Over XXXX years, I paid over {$60000.00} on a {$40000.00} loan. After losing my job and facing financial hardship, the vehicle was repossessed and auctioned, yielding an additional {$20000.00} for the company. In total, Mechanics XXXX XXXX has made approximately {$80000.00}, double the amount I initially paid, and yet, they persist in damaging my credit. 

This practice is not isolated to me ; thousands are affected by such unfair reporting, which hinders our ability to secure employment and obtain credit. The attached letter corroborates my attempts to resolve this issue. 

Account Details : Lender : Mechanics XXXX XXXX Balance : {$11000.00} Account Number : XXXX I implore the CFPB to thoroughly investigate Mechanics XXXX XXXX reporting practices and to ensure the correction of my credit report. Your prompt and decisive action on this matter is crucial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard pull from XXXX XXXX as well as a Jewelers company that I never submitted for any credit approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Multiple Dispute Letters were sent out, also last one sent out was a 60 day letter to Experian and XXXX. They received the last letter XX/XX/2019. I asked them multiple times to verify and delete derogatory item. Please advise. 


Thank You
Product: Debt collection

My husband had an account that was sent to two different collection agencies. The debt was paid in full to one of the collectors and we received a Release of Liability for the debt. The second collection agency was Nation Credit Adjusters. This agency has continued to harass us. We have sent them all of the information for the debt showing it was paid. We even wrote to the credit agencies and had their negative item removed with our proof of payment. NCA continues to hire process servers who contact us and advise us ( once we have sent the proof of payment ) that we will not be contacted .... 2 months later we are contacted again. 
This week, we received a letter from XXXX XXXX XXXX , XXXX. This letter advised of notice of Bank levy .... How can we make this stop
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting

I have no knowledge of XXXX debt and I would like it removed as it 's reporting to the XXXX credit bureaus and negatively affecting me