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

I am writing to delete the. following information from my file.the items I want deleted are listed in the report I am a big team of identity theft and I did not make the charge.ireported the theft of my identity to the federal trade commission and I also have enclosed copies to the federal trade commission identity theft affidavit.please delete these items as soon as possible.
Product: Credit reporting

My Insurance Company, XXXX XXXX, increased our auto policy due to no credit rating for me but did have credit rating for my wife, but it lowered our credit score. 
Checking with XXXX XXXX ( contract firm who collects credit data for ins. co. ) they supplied me with a listing of the information they received from Equifax, the credit reporting company they use to provide info to the insurance company and said any corrections would have to come from Equifax. The report has indicated that along with my personal credit record, they include an entry for one XXXX XXXX XXXX, XXXX with a SS # that is almost identical to mine except for XXXX ( XXXX ) digit, XXXX instead of XXXX AND XXXX XXXX is now deceased. The record shows my address I have had for 24 years and his former address was in Florida but they added my address instead. I tried to resolve this with Equifax twice and each time I was directed to request a copy of my credit report from them again and submit more copies but each request got only another form letter asking for more information to be submitted. The last request I sent ( third time ) I included copies of my birth cert., social security card, XXXX copy, drivers license, XXXX utility bills with my address ( even after my supposed death ), and still got the infamous form letter for more of the same information to be submitted. I feel this is a clerical error on someone 's part adding the incorrect information to my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX has the right to privacy and I have not given anyone written consent to report the following accounts. 

XXXX XXXX XXXX XXXX XXXX US Dept. of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

I am writing to bring to your immediate attention a matter of utmost importance regarding the presence of fraudulent accounts on my credit report. I recently obtained a copy of my credit report and was shocked to discover unauthorized and fraudulent entries negatively impacting my credit score. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

I vehemently dispute the accuracy and legitimacy of the aforementioned accounts, as I have never engaged in any financial transactions with the mentioned creditor. These entries are not a result of any action on my part, and I believe that my identity has been compromised, leading to the inclusion of these fraudulent accounts on my credit report. 

XXXX XXXX XXXX - XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX  XXXX FRAUD, PLEASE DELETE!!!!! 

I demand an immediate and thorough investigation into these matters, and I request that you take the necessary steps to remove these fraudulent accounts from my credit report at the earliest possible opportunity. The presence of these inaccurate entries is not only damaging my creditworthiness but also causing undue stress and inconvenience. 

I expect prompt action in accordance with the Fair Credit Reporting Act ( FCRA ) to rectify this situation. Please provide me with a detailed written explanation of the steps you are taking to investigate and resolve this matter within the next 30 days. Additionally, I request that you furnish me with a corrected copy of my credit report once the fraudulent entries have been removed. Please acknowledge receipt of this letter promptly and inform me of the steps you are taking to address this matter. I can be reached at the contact information provided above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this company on XXXX explaining in detail that I am a victim of identity theft. I even attached all the documents that Is needed to proof my claims. But to my surprise, this company is still reporting these fraudulent accounts even after receiving my claims. Thus the reason for my writing this letter is to inform your dispute department that I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. Below are the fraudulent accounts that I need to be removed : 1. 
XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$7100.00} 2. XXXX XXXX, Opened Date XX/XX/XXXX, XXXX {$1400.00} 3. XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$170.00} I am attaching all the documents I sent to them earlier for your reference
Product: Debt collection

XXXX sent me to collections without reaching out to us first or letting us know of our balance. I found out about these collection when I applied for a mortgage. On XX/XX/XXXX I talked to the collection agency and before making a payment I told them the situation and asked if it could get removed the person I talked to said yes we can help you with that. But as soon as I made the payments they now say otherwise. I do know the phone calls were recorded. And I talked to XXXX as well due to the fact that I just did a renewal with them on XX/XX/2022 and paid {$540.00} and they still didn't tell me I had a balance on my account.
Product: Credit reporting or other personal consumer reports

I recently looked on my credit reports from Equifax website, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I noticed several inquiries that did not have " Permissible Purpose ''. According to the Fair Credit Act, anything that's reporting on my credit report must have Permissible Purpose according to USC 1681 B. I sent a notarized and certified letter Equifax on XX/XX/XXXX, requesting the deletion of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My student loan has been bounced all over heck and back and now on my credit report fed loan servicing center has reported things incorrectly my student loan was transferred to   XXXX   XXXX   XXXX  / XXXX , that is who I have been paying and montoring, after reviewing my credit report and making  7 d ifferent phone calls and no one making heads or tales of my information and being transferred/sold to another lender fed loan servicing is part of the  XXXX   XXXX   XXXX   XXXX   same as  XXXX . fed loan servicing needs to remove the their information from my credit report it is the same as the information  XXXX  is reporting. its been 16 years since fed loan servicing started reporting, I want the information removed and after all the phone calls no one seems to know who I need to contact to have it removed, I have disputed the information on   XXXX   and its getting me no where the numbers given as contact for this account is where I started ... im very frustrated and want this handled and removed form my report!
Product: Debt collection

constantly calls and disturbs me while at work. when i do answer they just hang up
Product: Debt collection

Capital One Bank Credit Card {$430.00} XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I have letters from the 2 judges on two bankruptcy cases that were decisioned stating that the bankruptcies were filed under my name fraudulently and the credit agencies ( XXXX, Transunion, XXXX ) continue to report 1 of the two on my credit report. I have sent them copies of the judges decision and that it was fraud but it remains on my report. The Decisions were made on the following dates : XX/XX/2021 XXXX XXXX XXXX decisioned my case and I sent a copy of the letter within the next month to all 3 credit agencies and it was removed. On XX/XX/2021, XXXX XXXX XXXX decisioned my case and also stated that it was fraud that should be removed. I sent a copy of the letter and the credit agencys refused to remove it from my credit report, thus affecting my credit score and my ability to buy my first home. At this point, I feel helpless and I really need some assistance with this matter.
Product: Credit reporting or other personal consumer reports

I asked Transunion to remove an account from my credit report. The account was with XXXX XXXX XXXX XXXX. They have falsely tried to collect on a debt that they do not have. XXXX pulled the account back from them last year and sent it to another debt collection agency. I paid that agency in full several months ago. I sent XXXX XXXXXXXX XXXX XXXX the paid in full letter and receipt for months. I've disputed the debt with Transunion XXXX or XXXX times now. Each time the debt was validated, despite XXXX XXXX not even having the account. After no resolution, I filed a CFPB complaint on them. They then advised that the account was " withdrawn '' in their office. They have refused to send me any information to date, as proof of this withdrawal. Anyway, I was told by XXXX XXXX to wait until XX/XX/XXXX to file another dispute with Transunion. I was advised to do this because supposedly now that the account is withdrawn, they will no longer validate the debt ( which is crazy cause THEY DONT EVEN HAVE THE ACCOUNT ANYMORE ) any way on XX/XX/XXXX I filed a dispute with Transunion XXXX they not only VALIDATED the account they even updated the date! This comes after I sent Transunion all of my correspondence with XXXX XXXX. I even sent them their CFPB response, saying my account was " withdrawn '' it even had the CFPB, complaint number. I even sent them the paid in full letter and receipt form XXXX XXXX XXXX and they still did not correct the reporting! I called their customer service and the rep advised that she could not tell me why the account was not removed despite all of the information they had. The only other thing I could do was file a written complaint. Which I have done via certified mail and now through the CFPB. A manager from Transunion is supposed to call me by end of the day today, XX/XX/XXXX, but is only to explain the findings, which does not help me. This issue has gone on far too long. At this point I am seeking legal assistance because I am certain my consumer laws have been violated.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX INQUIRIES : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with XXXX XXXX  with a XXXX XXXX XXXX. I lost my income for about 3 months and the vehicle was repossessed a day before I had all the money to pay XXXX but they did not want to negotiate or work together. I attempted to settle that balance XXXX of XXXX and they told me to contact a third party collector by the name of XXXX. XXXX explained to me that the balance would be considered paid in full and XXXX will report the balance as XXXX, paid in full and closed. After 60 days my report reflects a remaining balance still of now {$3800.00}. I have contacted XXXX and they claim it has been done but not according to my report. The confirmation number for payoff is XXXX with XXXX. The account number with XXXX is XXXX.
Product: Credit reporting or other personal consumer reports

Re : Request for Removal of Bankruptcy from Credit Report I am writing to formally request the removal of a bankruptcy entry from my credit report. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a bankruptcy can be reported for no longer than ten years. However, XXXX XXXX bankruptcies can typically be removed after seven years from the date of discharge, and XXXX XXXX bankruptcies can remain for seven years from the date of filing. 

The bankruptcy in question was filed on XXXX XXXX XXXX and was discharged on XXXX XXXX and it has now been

seven years since the discharge date. Under Section 605 ( a ) ( 1 ) of the FCRA, the credit reporting agencies are required to remove this information from my credit report after seven years.

The details of the bankruptcy are as follows : - Bankruptcy Case Number : XXXX - Filing Date : XXXX XXXX XXXX  - Discharge Date : XXXX XXXX XXXX Given that the seven-year period has elapsed, I kindly request that this bankruptcy be removed from my credit report. Enclosed, you will find a copy of my credit report highlighting the bankruptcy entry, as well as documentation verifying the date of filing and discharge. 

Please provide written confirmation of the removal of this bankruptcy from my credit report within 30 days of receipt of this letter. Should you need any further information or documentation, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter. 

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

XXXX XXXX XXXX SUBMITTED APPLICATION FOR AUTO LOAN OR LEASE WITH THESE 3 COMPANYS WITHOUT MY WRITTEN CONSENT CAUSING 3 HARD INQUIRYS TO BE ADDED TO MY PERSONAL TRANSUNION CREDIT REPORT.

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

Pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

There are inaccurate items on my credit report in the attached dispute. The consumer reporting agency violated federal law due to not deleting the inaccurate items in my attached dispute letter. The accounts below are inaccurately being reported on my credit report. Please reference the dispute letter. Dispute letter was also mailed to TransUnion on XX/XX/22 under XXXX tracking # XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} xxxxxxxx XXXX XXXX XXXX XXXX XXXX Credit Card with account # XXXX XXXX XXXX XXXX with a balance of {$3000.00} XXXX XXXX with a balance of {$1100.00} Delete the inaccurate accounts on my credit report immediately.
Product: Payday loan, title loan, or personal loan

XX/XX/2019. I received a call from XXXX XXXX XXXX XXXX XXXX, from Regional Mediation Assoc. # XXXX. # XXXX, # XXXX. Stating I am being sued for money owed. with case # XXXX in the amount of {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice that stated that I was currently in debt in the amount of {$380.00} for services that I did not consent nor consume in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company shows account open with balance after declaring it in XXXX XXXX and uncollectible ..discharge was XX/XX/2022 2022
Product: Credit card or prepaid card

My daughter click on cards more than once without my knowledge to get credit cards. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX SYNCB/PAYPAL ( Bank ) XX/XX/XXXX SYNCB/PAYPAL ( Bank ) XXXX XXXX, XXXX
Product: Debt collection

Please see attached document. DISCOVER BANK/DISCOVER FINANCIAL SERVICES are violating my rights. They are violating 15 USC sec 1692e - 15 USC sec 1692f - and 15 USC sec 1692g ( b )
Product: Credit card or prepaid card

I have a PayPal line of credit ( credit card ) and pay monthly for credit protection. I have been attempting to file a claim ( loss of employment ) for over XXXXwo months. The credit protection - about $ XXXX per month, is being charged through Synchrony Bank XXXX For the past two months the Synchrony Bank site has not been working. This is accessed from the PayPal site. I have complained to both PayPal and Synchrony Bank and was told that they are having website problems. For the past two months, I have been charged the credit protection fee, which has caused me to exceed my limit. I spoke with PayPal and Synchrony Bank four times - twice in XXXX and twice in XXXX- with the last contact on XX/XX/2022. No one will help me at PayPal or Synchrony Bank.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I noticed XXXX fraudulent accounts on my credit report. XXXX from XXXX  XXXX, account number XXXX with charges of {$XXXX}, and another fraudulent accounts from, XXXX XXXX, account number XXXX with charges of {$XXXX}. These accounts were not authorized by and and are fraudulent. I will be filing a lawsuit. I fill out a FTC report for identity and sent the paper work to said company, XXXX, which had reported the fraudulent account on my credit report to take it off.
Product: Credit card or prepaid card

Here 's what I just sent Comenity, which services the XXXX store card account this is regarding, but I would appreciate CFPB 's assistance as well and thought it would be helpful for your records : Hello, I received a call last week from one of your representatives that said I was three months behind on my payment. This was a surprise. With few or no exceptions I have historically paid my balance in full. I've now analyzed how this balance accumulated. In XXXX, I made an online purchase of about {$170.00}, all of which I returned because the jeans did not fit and received a full refund, except for the {$7.00} return fee, which is my responsibility for missing. However, in the subsequent 3 months, Comenity charged 3 late fees and interest that got the balance to {$120.00}. The first time I was informed I had missed a payment ( let alone 3 ) was last week via phone. Meanwhile, my credit score has plummeted XXXX points over a {$7.00} late fee, and I don't even recall receiving mailed statements even though I have not sign up for paperless billing. This is unacceptable and unreasonable. I request reversal of the negative credit bureau reporting and a refund of the late fees and interest charges.
Product: Checking or savings account

On Wednesday, XX/XX/XXXX, I received several emails from Chime related to a new checking account that was opened in my name. Over the course of several hours, I tried to contact Chime to report the account as fraudulent and receive additional information on what happened and how the account was opened. China apparently partners with XXXX XXXX, and I would call their joint operations as a scheme that is ripe for fraud. 

After several attempts, I believe Chime closed my account. However, I have no confirmation, as Chime does not have a fraud department nor any U.S. location or U.S. customer service, as confirmed by one of the many representatives from Chime that I spoke with. I would like to specifically understand what type of Know Your Customer due diligence that Chime is doing prior to opening accounts. I have credit monitoring and freezes with the major credit bureaus and XXXX, so Chime should have flagged concerns. Further, why does Chime not require a form of identification to open an account? And finally, how does Chime interact with XXXX XXXX? Again, due to the perceived poor internal controls and lack of due diligence and a fraud team, Chime appears to be an organization ripe for fraud that does not have the best interest of consumers in mind.