23daVinci/CFPB_Complaints huggingface dataset:
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 on how to remove the fraudulent items 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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request according 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. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account ( s ) appearing on my consumer XXXX Equifax credit report which I do not recognize as reported and which result from identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX account opened at XXXX on XX/XX/XXXX under the account number XXXX. A Phone account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs result from 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 result from identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts suddenly showing up on my credit report, and I have no clue why. I routinely check my report, but this time, discrepancies appeared out of nowhere. I even refreshed my browser, thinking it might be a glitch, but nothing changed. The wrong accounts stayed. Now, Im asking for a thorough check of the documents I sent, so I dont have to worry about this happening again.
Product: Credit reporting or other personal consumer reports

15 U.S Code $ 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FUTHER STALL TACTICS FROM EQUIFAX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  DID NOT PROVIDE ME PROOF OF THE FOLLOWING COLLECTION ACCOUNT. i have no knowledge of this account. I would like XXXX  to not report inaccurate information on my report
Product: Credit card or prepaid card

I am thankful Capitol One extended me credit 9 years ago. I have a XXXX secured credit card XXXX {$350.00} credit line ) and an unsecured ( {$3600.00} XXXX they continue to charge me XXXX XXXX for the secured credit card. The manager I spoke with said he can not do nothing about this it was based on my credit score at the time of application however anyone who reads the newspaper know the fed is lending this bank money at 0 % I am a taxpayer if XXXX  helps them with low interest rates, why should I pay so much? 
Also with widespread unemployment in the United States they outsource jobs to other countries because I spoke to a friendly rep from overseas These interest rates are way too high so perhaps I'll take the matter up with XXXX XXXX XXXX XXXX The spread of a consumer loan and what the bank is getting money from my federal government is way too big
Product: Debt collection

One main financial loan service I have never used or contacted before they have affected my credit score by leaving hard inquiries. I have 5 times they have without permission run my credit and Making my credit have a negative impact. Id like this removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint in XXXX of 2017 for multiple items that appeared on my credit report as a result of identity theft. Equifax responded with items that were to be removed as a result of the investigation. XXXX XXXX  was included as an item to be removed however it still appears on my credit report. Below I have copied and pasted the response form Equifax with the results from the original complaint. 

Equifax reviewed the complaint, its records and initiated a reinvestigation. Equifax did not receive any additional communications from the consumer during the review of the complaint. Equifax will mail the results of the reinvestigation within 30 days. Please be advised XXXX. XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX and XXXX XXXX was deleted for the credit the file in case number XXXX. XXXX   XXXX.has been verified as reported with the following Name, Social Security Number, Date of birth and address. Equifax has sent you a complimentary copy of your credit file. Written confirmation was mailed on XX/XX/17.
Product: Credit reporting, credit repair services, or other personal consumer reports

all of the credit reporting services are reporting false information about XXXX XXXX and XXXX and XXXX XXXX  and XXXX XXXX. they have my name listed as my fathers name because we kind of have the same name. he is a XXXX and i am a XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting inaccurate information on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$360.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a letter for the following Collection Account Companies.  Please dont take this message as a threat or any form of disrespect. You have been reporting the wrong information to the credit bureaus. I have caused total distress and my mental clarity. I am working with an investigator because I was affected by the recent credit breach. It seems to me that your company has violated my rights without my consent. I am unaware of any accounts or contracts between me and your company. I have filed a lawsuit and we are set to appear in front of a Judge in XXXX 2018. You will be notified by my lawyer moving forward. I have made attempts to contact you by certified mail and to be ignored. I kindly ask that you not harass me anymore I am distressed.
Product: Mortgage

Truist Bank bought my mortgage from XXXX XXXX. I received a letter from XXXX dated XX/XX/year> informing me of the sale of my mortgage and letting me know that my payments would now go to Truist beginning XX/XX/XXXX. I received an email from Truist on XX/XX/XXXX stating that my mortgage was now being serviced by Truist and they were setting my loan up. I would not be able to pay my mortgage via phone or their online banking but could contact them XX/XX/XXXX. They stated that i would receive further instructions on XX/XX/XXXX and be able to make payments. They also stated that i would receive a Notice of Servicing Transfer in the mail. XX/XX/XXXX came and I received an email welcoming me to Truist and stating that i should have received Notice XXXX XXXX XXXX in the mail. As of XX/XX/XXXX, I have not received this Notice. The email on the XXXX gave instructions on how to sign up for online banking so that I could start paying my mortgage. I have attempted to set up online banking 8 times since Friday the XXXX with an error message each time. On XX/XX/XXXX, I contacted the customer service phone number to get assistance in setting up online banking. After first conversation at XXXX XXXX  CST, I was told to attempt again online in an hour or so. I attempted again at XXXX XXXX  CST with same error message. I called customer support and after a 20 minute call was told that I had to go to a branch to get my online banking set up. I explained to customer support that they are the one that bought my mortgage and that I have never had to go a branch to set up online banking for my mortgage and that this was their responsibility as the purchasing servicer. It was left that I had to go to a branch to show my identification. I was then called back and told the only way to proceed was esign documents and send a copy of my drivers license. This has never happened with any of my previous mortgage servicers and is totally unacceptable. I didn't ask for my mortgage to be sold and I shouldn't have to jump through extra hoops to pay my mortgage..
Product: Credit reporting or other personal consumer reports

I mailed dispute letters on XX/XX/year>, XX/XX/year> and XX/XX/year>. I have not received any responses other than letters accusing me of working with a credit repair company from XXXX. I need the results of the investigation that should have been sent to me within 30 days of my dispute dated XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XX/XX/year> {$4600.00} XXXX XXXX XXXX XXXX XXXX  {$4600.00} XXXX XXXX XXXX XXXX XX/XX/year> {$4600.00} XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Debt collection

XXXX XXXX, XXXX representing Pinnacle Credit Servicices LLC has put a derogatory mark on my Credit Report. I had cancelled my service with XXXX over 7 years ago and they are saying that I owe them evidence to support my dispute on my Credit Report. I sent a letter to XXXX 7 years ago diputing the alleged amount they were stating that I owed. I called XXXX and cancelled my account with them, and told them to turn the phone off because it had been stolen. The thief somehow got the phone re-activated and was using it without my knowledge. I refused to pay the amount owing because I had disconnected my service when the phone had gotten stolen. Pinnacle is asking for substantiating evidence, including a police report ect, a notorized affidavit or a filed court order, and they need that within 5 days. This was a debt from over 7 years ago! They put this on my credit report after the statue of limitations, like it was a new debt! This needs to be taken off NOW! It is effecting the amount of my Car insurance and may effect me getting a loan in the future. At the bottom of the letter it states that " This is a communication from a Debt collector. " " This is an attempt to collect a debt and any information will be used for that purpose '' I had told XXXX not to contact me about this debt, now they are doing it under a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my personal information on my credit report corrected since XXXX 2022. The names, address are all incorrect. Can you please assist me. All help is appreciated
Product: Debt collection

One day when I first got out of jail for XXXX I was start to pay the fine of it was only XXXX dollars and half through paying it off and one day I went in to the court to pay and the lady told me I 'm done there is a XXXX balance now and I 'm done paying the whole thing that everything was done .Later on I caught another charge and I was starting to pay it off and they told me that they brought up this old charge and and said I have to contact them immediately so I did and now I have to pay more money now it 's up to 2000 dollars and that 's money I now do not have they keep harassing me and I do n't have that kind of money they wo n't stop Harrissing me and I can not pay them the money now.
Product: Credit card

I received 7 credit card denials for cards i didn't applied for, 1 card that was granted that I never applied, and 1 that asked for more info. 
I placed a fraud alert at XXXX and XXXX Denials : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX 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 Accepted XXXX XXXX XXXX through XXXX XXXX XXXX Requested more info XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HAVE NEVER BEEN 30 DAYS LATE. LATE FEE DID NOT SHOW UP ON MY CREDIT REPORT UNTIL XX/XX/XXXX. THE LATE PAYMENT IS FOR XX/XX/XXXX. WHY DOES IT TAKE 7 MONTHS TO POST A LATE PAYMENT? 

I HAVE DISPUTED WITH THE CREDIT BUREAUS SEVERAL TIMES SINCE XX/XX/XXXX AND IT WAS FINALLY REMOVED XX/XX/XXXX. XXXX JUST TO RETURN XXXX I FINALLY DISPUTED WITH XXXX ( XXXX  ). AND THEY SENT A LETTER STATING I HAVE NEVER BEEN LATE. 

****PLEASE SEE COPY OF LETTER SENT********
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person my name is XXXX XXXX the Credit bureau violated my rights the disrespect me they disrespect my rights to privacy XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX XXXX ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX NA ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX XXXX NA ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX Bank ) XXXX XXXX, XXXX XXXX XXXX NA ( Bank ) XXXX XXXX, XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX NA ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XXXX Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
Product: Debt collection

XXXX, XXXX posted the debt of XXXX originating from XXXX XXXX. The debt was removed from all reports in XX/XX/2018. XXXX then resold to Diversified Consultants who assumed the new right to collect.

Diversified Consultants posted a collection to both my XXXX  and XXXX  credit reports for a debt of XXXX. The positing states this is an active collection opened XX/XX/18. No verification of debt was received 60 days after the negative posting.My address is well known and I should have received notification validating the debt and active collection attempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the accounts listed below have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I would like the following accounts removed from my credit report for violating my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your help in this matter.
Product: Credit card or prepaid card

In XXXX Barclay sued me for an outstanding credit card balance of {$2500.00}. 00 that had went to collection. Through my attorney and Barclay 's attorney a settlement was made for me to settle the account by making monthly payments of {$96.00} until the settled amount of {$1300.00} was paid. I paid {$50.00} every 2 weeks until I made my final payment in XXXX of XXXX. I reviewed my XXXX of XXXX and noticed that the account had not been updated to reflect the current status. In fact the agreed upon settled amount was showing as the balance owed. The error is causing my credit utilization to be miscalculated. I disputed the account with the credit reporting agencies on XX/XX/XXXX. The dispute came back verified. I believe Barclay did not report this account status in a timely fashion and as of today XX/XX/XXXX. The account status remains incorrect.
Product: Debt collection

On Saturday XXXX/XXXX/2015 I immediately returned a call from a representative by the name of XXXX. The call back was received by office manager XXXX XXXX. I gave him as requested an updated status of my past due account. I advised him I spoke to his representative XXXX on Monday concerning this same issue. On Tuesday XXXX/XXXX/15 I received at voice message from XXXX to contact him ... XXXX minutes later an out of state family member receives a call from XXXX trying to reach me. Upon my contacting the office the representative, XXXX advises that outside references are contacted when they have had no contact with borrower. The office has been in contact with me weekly. I find this tactic harassing. There is no reason to contact anyone outside of myself concerning this debt. XXXX advised me they would not give details of the call, but anyone who receives a call from a stranger being advised to have the member contact them know its about a debt. The attempt to embarrass me in order to collect is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account a number of times and the company is responding to me as verified but not providing any proof on how the debt was verified. Comenity Bank had violated my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : THIS IS IN RESPONSE TO COMPLAINT : XXXX YOU ARE ALLOWED 30 DAYS FOR A COMPLAINT RESPONSE On XX/XX/XXXX, I have sent letter of dispute I have been ignored and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : XXXX XXXX Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately!

If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of  the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees. 

I have forwarded a copy of this letter to the Federal Trade Commission. 

Sincerely, XXXX, XXXX XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX , FL XXXX