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

My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX XXXXXXXX - Opened on XX/XX/XXXX Account Name : XXXX  XXXXXXXX XXXX XXXXXXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX - Opened on XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Opened on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # XXXX and XXXX and as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXXXXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased my new vehicle in XX/XX/XXXX. My first payment was due XX/XX/XXXX and on the XXXX of every month after that. I am a XXXX XXXX who is paid in arrears at the end of every month. Because of that, I made my XX/XX/XXXX payment on XX/XX/XXXX. I paid off the entire balance of the loan on XX/XX/XXXX. After my credit report was updated with the loan payoff, I received notice that my account was reported for a 30-day late payment. I called customer service and was told I didn't make my XXXX payment. I explained due to how I am paid, I made my XXXX payment on XX/XX/XXXX, which was not 30 days late - even if you counted actual days. I also explained that I pay other accounts in this manner without issue and had a 100 % on-time history with all my other accounts. He explained he couldn't help me and that I would need to write a letter and send accompanying documents to their XXXX XXXX XXXX department. This is unsatisfactory to me due to the fact that the company just paid out a large class action settlement to millions of customers in XXXX due to inaccurate reporting and taking an unreasonable amount of time ( sometimes years ) to correct inaccuracies. Without the ability to call or email the department directly, I will be unable to know if my dispute was received or if anyone is working on it. My credit history is too important and costly to just sit around and hope it gets resolved. I am hoping the CFPB can assist me in getting this resolved.
Product: Checking or savings account

The CFPB closed my last complaint and I requested all Documents I submitted, also I requested all Call the was held with me and etrade as it shows I did e everything they asked. I would like all the calls and documents reviewed in order for which each document goes with each call ... Can the Cfpb please review them and the Cfpb will see i did what was told. Plaese send me my Funds... Also check rhe comments on my last complaint. Please dont close this complaint when etrade response cause I would like my chance to respond also.
Product: Debt collection

Several years ago debt was settled. Was settled around XX/XX/2013. Every couple of years since settlement, Portfolio Recovery Associates, LLC tries to collect the debt that was settled. Each time I remind them it was settled. Now they have sent me another collection notice. The amount they are asking for is {$720.00}.
Product: Checking or savings account

Hi,, I have a small checking account for years at Northwest Bank in XXXX XXXX, which I use primarily for paying charities. I had made a transfer from my main bank, XXXX XXXX, which I have done numerous times in the past to this account. The transfer was sent and deposited into my account. Then a few charges came through from the different charities and such and were paid. Three or four days later the transfer was reversed and all the payments were charged XXXX for overdraft. I went to the bank and spoke to XXXX who said she could reverse XXXX of the XXXX overdraft charges. I deposited XXXX that very day and received another overdraft the following day even though the account was now positive. I had no reason to believe the account was in the negative and feel it is a bank error and would like to please have all of the overdrafts refunded. Thank you XXXX XXXX
Product: Credit reporting

I disputed many times a account opened XXXX Show more Account name XXXX Account number XXXX .... 
Recent balance {$9000.00} as of XXXX/XXXX/XXXX Date opened XXXX I did not ever owe this account no one has ever showed me proof. No payments were ever made on account and the 7 years statue was up XXXX. They re-confirmed that the debt was owed and put it to stay until XXXX. Statue is from date of last payment. Experian refuses to continue letting me dispute it The law says it should not even be there
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have submitted a FTC prior to this complaint but the inquires still remain reported and not open for dispute I have attached the items I would like to dispute below as well as the copy the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. I have never been associated with the social security ending in XXXX that is furnished on my report as well as inquiries below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting this bankruptcy for years because of the inaccuracies inside of the bankruptcy which is why it is dismissed. Today, I logged intoXX/XX/XXXX to verify the information that was correct and incorrect. I noticed that bills that were included in the bankruptcy are still on the report. I also noticed that the case number is incorrect. I am sure what is being reported on all three bureaus, XXXX and XXXX is incorrect information.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that TransUnion immediately block the following fraudulent accounts and remove associated addresses from my consumer credit report. These accounts and addresses are the result of identity theft and fraud.

Per the FCRA, I expect TransUnion to take action within four ( 4 ) business days of receiving this complaint.

The following accounts were not opened, made, or initiated by me and must be blocked and removed under FCRA 605B : XXXX. XXXX XXXX Account XXXX : XXXX Balance : {$8500.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$23000.00} Date Opened : XX/XX/XXXX XXXX. XXXX  Date Opened : XX/XX/XXXX XXXX. XXXX  Date Opened : XX/XX/XXXX XXXX. XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX. XXXX  XXXX  Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Additionally, the following fraudulent addresses were added to my credit report without my consent. I have never lived at or used these addresses, and they must be immediately removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To substantiate my claim, I have attached the following : Notarized FTC Identity Theft Criminal Complaint XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because, According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally submit a complaint regarding issues I have encountered with my credit report and the handling of a fraud alert that I placed due to identity theft. 
Details of the Complaint : 1. Fraud Alert : I placed an initial fraud alert on my credit file on XX/XX/year>, due to concerns that my identity may have been used without my consent. This alert was intended to notify creditors to take extra steps to verify my identity before extending credit.

2. Contact Information : I provided my contact number, ( XXXX ) XXXX, for verification purposes. However, I have reason to believe that creditors are not honoring this alert, as I have received notifications of credit applications that I did not authorize. 
Inaccuracies on Credit Report : There are XXXX inaccuracies on my credit report that I believe are a result of identity theft. I have requested that these inaccuracies be blocked and removed, but I have not received a satisfactory response from the credit reporting agencies.

4. Lack of Compliance : It appears that creditors are extending credit without properly verifying my identity, in violation of the Fair Credit Reporting Act ( FCRA ). I believe that my rights as a consumer are being compromised, and I am seeking your assistance in addressing this matter.
Product: Credit reporting or other personal consumer reports

Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a of a consumer that the of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have attached all the relevant documents pursuant the above Section of the law. I demand all the above Fraudulent accounts DELETED immediately. I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681j ( d ) of this title ; and Be Advised I will CC : The Bureau of Consumer Protection Financial ( CFPB ) FTC BBB Attorney General 's Office in your state and Mine. 
Call me at XXXX if any questions.
Product: Debt collection

I was a victim of identity theft and noticed a collection from FMS XXXX I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against FMS XXXX in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Debt collection

Since XX/XX/2020, I have been trying to obtain the outstanding balance of a debt that is in collection, so that I can pay it in full and have wage garnishment stopped. Due to the pandemic I will most likely be out of employment so I'm trying to resolve this debt for good. I contacted the firm to get a settlement amount and was advised that it was not an option and that I had to pay the current amount owed in full. This law firm has not returned emails sent to them on XX/XX/2020, and XX/XX/2020. I have made calls on a almost daily basis. When they call me back they do not leave a message, or if I pick up the call drops. When I go on their website to find out my payment history from the wage garnishment, it does not show payments credited to the account or the outstanding balance on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in reference to the all three credit bureaus lowering my credit score due to auto inquiries that were within 7 days. All bureaus were sent a certified letter requesting that they bring my score back up to where it was minus points for every 5 inquiries.There were 10 inquiries. From XXXX and XXXX I was told by Equifax, XXXX  and XXXX  that they are not responsible for the credit dropping due to the auto inquiries. They all told me to contact the creditor where I applied for the loan. The auto creditors are not liable for the scores that the credit bureau is suppose to give. The creditors told me they could not remove the items by law. I understand that. 

The creditors are not responsible for my score going down the bureaus are are suppose to only drop 1 point for ever 5 inquiries if they are within 7 days and in the same category.. My score was dropped 41 points due to the inquiries that were made with 3 days of each other. This is unheard of. 

I feel like I am working on my credit is in vain if the Credit Bureaus are supoorting the negative information that companies put on your credit no matter what the circumstance are taking place in your life. 

I had a XXXX XXXX in XXXX. This is what caused the medical bills as collections on my report. I am victim of XXXX XXXX that a protective order was filed and I was assisted by the Attorney Generals back in XXXX. My credit was affected again by medical bills due to the XXXX  XXXX acts by my husband. I have told the collection agencies that and they still call and report medical collections.  This is insane. I would like you all to check into this. Because I was informed by the XXXX XXXX XXXX XXXX XXXX in XXXX Texas, that I was in when I left my spouse that I should get medical waived due to this XXXX  situation. 
. 
It is a conflict of interest for the credit bureaus to assist the consumers with education to check credit for and monitor credit, but they are not caring how they score due to these inquiries. How can the care about the consumer in correcting the problems with no effort on their part and turn around and try to sell the consumer on their products and try to get to you to open high interest credit cards so they can get a kick back. 
This is not helping the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, while reviewing my XXXX  credit, I noticed my mortgage company, Specialized Loan Servicing ( SLS ), shows my loan terms as 600 months. I did not sign any documents with SLS to change the terms of my loan. However, my credit report shows that the term with XXXX XXXX was 360 months. 

Additionally, SLS 's credit reporting shows that my mortgage account was opened with them on XX/XX/XXXX, but they were not my mortgage company until XX/XX/XXXX when XXXX XXXX transferred it to them. 

I have sent a message to SLS to address this matter but have not received a response. Also filed a dispute with XXXX.
Product: Debt collection

I am writing this missive to complain about unfair collection practices of a law firm, Andreu, Palma, Lavin, Solis. Apparently they represent a collection agency. They sent me a letter XX/XX/2016 informing me of their representation of a debt collector. I IMMEDIATELY wrote a letter attempting to understand who they were and who they were representing as well as any facts germane to this collection. I never received a reply from them, even though MY letter to them requested a reply so that I could understand their contention. I never received a reply from them. XX/XX/XXXX I reached out directly to XXXX XXXX who is a partner in the aforementioned law firm. He acknowledged receipt of my letter and admitted that he willfully and intentionally ignored it as he " thought these questions had already been answered ''. Are n't creditors obligated to respond to the person with whom they have a dispute with in a timely fashion? Are they allowed to ignore legitimate requests for information? How can I defend myself or even proceed to negotiation if I am not in possession of all the facts. The answer is, I can not! I would like this to be resolved by your agency. I want this debt to go away and any public record of this action to be expunged. I believe it is illegal to ignore a good faith request for information. Please do n't allow these predatory firms the right to ignore correspondence that seeks answers. It is a corruption of the system enacted to protect consumers. Thank you for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my personal information on XXXX, Transunion, XXXX. 

My only address is XXXX XXXX XXXX XXXX, VA XXXX. 

any other addresses do not belong to me and need to be removed.
Product: Credit reporting

I recently visited XXXX, XXXX, and Transunion websites and purchased the credit score and reports products. The issue is that when I apply for loan through a lender all XXXX credit scores were completely different and drastically lower than what the website showed compared to what the lender provided me with. I contacted the XXXX credit bureau 's and they told me my score was based off educational score which when explained to me did not make sense. I then contacted lender and went to there office provided the online scores from each credit bureau 's. The lender explained that scores would vary but should n't have varied that much. XXXX shows XXXX actual XXXX ; XXXX shows XXXX actual XXXX ; Transunion shows XXXX actual XXXX.
Product: Credit reporting

I am a victim of what is being called Synthetic Fraud ; where the perpetrator uses my Name and DOB but another SSN. These items are blended into my report and reporting on me. I 've been disputing this for over 3 years with Transunion and they finally were at the final phases of completing with the disputes until they ran Maintenance, which was to eliminate all the accounts with the different SSN but they added all the accounts that had been removed over the years with the dispute process. I 've called on several occasions to the Fraud department and they 're very rude and not helpful. They essentially want to start the dispute process over again rather than blocking these accounts from my credit profile. I am days away from a mortgage and because of their actions on XXXX/XXXX/2015 ; I am in jeopardy of being homeless next Wednesday XXXX/XXXX/2015 if these items are n't removed. I 've provided a police report, a copy of my SSN Card and I 'm still receiving no urgency to remove these items. This complaint is my last resort to force their hand to actually handle this situation manually and remove these items from my report. I 've verbally spoken to each of the creditors in question and provided documentation and validated these accounts are not mine but they move on their own timeline. Time is of the essence and I do n't feel I should be penalized for being a victim in this scenario. Pleas help
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Experian, I am writing to dispute the negative items on my credit report associated with my account with your company. The late payment and charge off reports have significantly impacted my credit score, and I believe that the information is not accurate. 
XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXXXXXX Late Payment Account XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Off Account XXXX XXXX XXXX Charge off Account XXXX XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge XXXX Account XXXXXXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX I XXXX Collection Account. 

I would like to request that you provide me with proof that the reported information is accurate, complete, and up-to-date, as required by law. I also request that you investigate this matter and correct any inaccuracies on my credit report. 

As per the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am also entitled to receive a free copy of my credit report once a year from each of the three credit bureaus, which I have already done. 

I am requesting that you remove the negative items from my credit report, as they are harming my credit score and making it difficult for me to obtain credit in the future. Please be aware that failure to comply with this request may result in legal action. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

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

I have asked for signed contracts that show my signature validating my XXXX debt. Transunion and XXXX have not been able to do so but continue to report it on my credit report. I want to see a signed contract or please delete.