23daVinci/CFPB_Complaints huggingface dataset:
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 you the TransUnion credit reporting agency remove/block information appearing on my consumer credit report that is the result of identity theft fraud within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consists of a personal loan account opened at XXXX XXXX XXXX on XX/XX/year>2022 under acct # XXXX. An auto loan account opened at XXXX XXXX on XXXX XXXX, 2022 under acct # XXXX. 
I do not recognize the aforementioned accounts listed in this complaint. The aforementioned accounts appearing on my credit report maintained by you were not open, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud I have attached a copy of a FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud. 

ATTACHMENTS : Identification Consumer Reports FTC Identity Theft Affidavit
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently signed up to check my credit reportings, and everything looks fine except for a hard inquiry from Chase bank. This seemed strange to me because I never applied for a Chase credit card or debit card for that matter, I've always had XXXX XXXX XXXX.

The inquiry is from XX/XX/2016.

I had a good amount of credit limit with XXXX XXXX XXXX so there would've been no reason for me to apply for a Chase card. I went into a Chase bank to get this resolved after I found out but they did not want to help me. I get that this is a 2-year-old inquiry, but I would like it off, I did not apply for one, and also this is hurting my credit score.

I also plan on getting a new credit card, which this Chase inquiry will hurt my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and Tranunion ran an unauthorized credit inquiry on me on XX/XX/XXXX
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX and investigate such occurrence.
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly as well as the sign agreement for the inquiry.
If you have any questions or need additional information, please contact me at address listed below.
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Social Security # xxx-xx-XXXX
Product: Money transfer, virtual currency, or money service

I am planning to play against Cash App ( Block , Inc. ) due to an adequate customer service and unfair practices which violates the consumer financial protection act. ( CFPA ), specifically Cash App fail to take timely and effective measures to prevent the address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error, resolution requirements under the electronic fund transfer act ( EFTA ) and reregulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAPITAL XXXX XX/XX/XXXX
Product: Student loan

I completed my XXXX XXXX at XXXX University XXXX and now work for the XXXX. My federal student loans are serviced by ACS. ACS is very difficult to work with - they have terrible customer service, their policies are not transparent, and their call center operators provide incomplete answers when I call. This year I received a student loan repayment benefit from the XXXX where I work. However, just two days after I received notice that the payment had been sent to ACS, I received a final offer for a new job. I called XXXX ( XXXX XXXX XXXX ) to ask if they could stop payment because my agency will not waive the debt and I would have to pay it back to XXXX. XXXX said they had already cut the check and they could not stop payment. I have since called ACS on two different occasions to ask them to refuse payment. They say it is " their policy '' not to. Now I will have to pay back XXXX out of pocket. It is completely absurd that ACS would not refuse the payment. I am the borrower, current on my repayments, and regardless of whether or not the payment is coming from me or a third party, I should control when payments are made to my account. If I ask them to stop a payment, they should. Now, on the third day I have called ACS, the payment hit the account. I 'm sure I have no way of reversing this now. I am extremely concerned about having to pay my monthly student loan payment ( because ACS says I must continue my monthly payments as-is with no break even though they just receive a huge chunk of money from XXXX ) AND now I have an additional payment to XXXX to cover this debt. Plus I have all of my other bills to pay including housing, utilities, and child care. I have never missed a payment and ACS needs to honor my request to stop payment. I 've tried to work directly with ACS but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is called XXXX this account doesnt belongs to me and i would like for it to be removed The company address is XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Debt collection

In XXXX, the Georgia courts recorded a judgment against me for unpaid student loans by XXXX XXXX XXXX XXXX XXXX. I received no notice of the default judgment. Now, in XXXX, they have initiated wage garnishment, which I only discovered when my employer provided me with a copy of the garnishment order. This 25 % wage garnishment is forcing me into bankruptcy, as it renders me unable to cover my other debts and living expenses. 

According to XXXX Code, O.C.G.A. 9-3-26, a judgment becomes time-barred after XXXX years unless the creditor takes steps to renew it. After reviewing the court records, I found no official record indicating that the judgment was renewed. Therefore, not only was I not properly notified by XXXX XXXX XXXX XXXX XXXX, but they appear to have taken illegal enforcement action based on a judgment that should be time-barred.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX Account Number XXXX, has 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 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 seven 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act.written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution : XXXX XXXX Balance : {$18000.00} ; CITIZNPAYLOC XXXX : {$2800.00}.
Product: Debt collection

I am writing to dispute the presence of fraudulent accounts on my credit report, which are negatively impacting my credit score. I have identified these accounts as the result of identity theft, and I am seeking your assistance in rectifying this matter. 
XXXX XXXX XXXXXXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXXXXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I am pleased to note that XXXX has already taken action by deleting the fraudulent account from my credit report. 
I kindly request that you conduct a thorough investigation into the fraudulent accounts listed above and promptly remove them from my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) provides consumers the right to dispute inaccurate and fraudulent information on their credit reports, and I am exercising this right.

I am frustrated that, as a victim of identity theft, I am facing the consequences of someone else 's actions. I request that you expedite the resolution of this matter, as it is affecting my ability to access credit and achieve a better credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd attempt to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The 3 Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed account was reporting to my credit file held with 3 Credit Bureaus. This account were opened fraudulently. I informed them of the issue & provided them with the required documents to correct the account via FCRA Section 605b. They have failed to correct the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need this account to be corrected from my report ASAP : XXXX XXXX XXXX XXXX Opened XXXXXXXX XXXX XXXX Balance : {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I have one single address on my report. I've been updated my addresses that were tied to these illegal fraud collections and accounts. These needs to be removed asap!!!

Manual verification is required from notice. These items are illegal and needs to be removed asap.

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684, 1692g these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$470.00} Date Opened XX/XX/XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$160.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Jpmcb Card Continues to show on my credit report has an inquiry. I dont know who or what this is but I have not pulled my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX XXXX On XXXX XXXX ) I sent EXPERIAN a AFFIDAVIT RECEIVED on XXXX CERTIFIED MAIL # XXXX outlining how your company violated my rights as a consumer under 15 USC 1681. The subsections you violated are as follows : 1.15 USC 1681- ( a ) ( 1 ) 2.15 USC 1681- ( a ) ( 2 ) 3.15 USC 1681-a ( 3 ) 4.15 USC 1681-a ( 4 ) 5.15 USC 1681b. ( 2 ) 6. 15 USC 1681a ( d ) ( 2 ) ( A ) ( j ) - 7. 15 USC 1681a ( d ) ( 2 ) ( A ) ( ili ) - 8. 15 USC 1681a ( B ) -, I have attached the letter that I sent you before with this letter, I even attached a copy of the certified mail receipt that XXXX used to mail it. Your company responded on ( XXXX ) alleging that the accounts ) in reference were verified. Now I am exercising my right under 15 168li ( a ) I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was in fact verified as you claim that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this is an investigative consumer report I am also exercising my rights under 15 USC 168la ( e ) I want to know exactly who you spoke with, and the method
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Product: Credit reporting or other personal consumer reports

This is my 2nd endeavors to tell the 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX Balance Owed : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows 4 missed payments, and then a payment in XX/XX/2020 that cleared the account, and its because the account was never late. P
Product: Debt collection

I have received another attempt to collect letter from Systematic National Collections. They are not licensed to collect in the state of Utah and this is illegal to do. I have attached the proof of my most recent attempt to collect letter I just received in the mail. I also attached the proof that they are not licensed in Utah. They also still have not sent debt validation which is also illegal to continue to collect on a debt that they can not validate. If Systematic does not stop contacting me about this debt and delete this from my credit report I will contact my local Attorney Generals Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX    XXXX   XXXX   XXXX   housing settlement. The attorneys embezzled it and put my children up for  XXXX . They used my credit by filing a false me in in chikd support against me then had me   XXXX   and now a credit REPORT shows I am a   XXXX   and the order to be dismissed is not there. It keeps me from getting jobs or credit.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Money transfer, virtual currency, or money service

Hi my name is XXXX XXXX LEXINGTON LAW HAD A LAWSUIT AND I DIDNT GET THE. CHECK THEY SIAD THEY MAIL ME. THE CHECK WAS COMING FROM CONSUMER FINANCIAL PROTECTION BUREAU.. IT WAS MAILED TO MY OLD ADDRESS ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My new Address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPlease update and reissue this check Thank you Old Address where check was mailed was 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 recently reviewed my credit report and noticed an account that was not reporting accurately. I have two late payments on an account that was in fact pain on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on XX/XX/year>. I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

I have contac ted Southwest Credit S ystems on numerous occasions via certified letter and asked that they provide me with a contract of the debt they claim I owe, which bears my signature. Each time they respond with a bill and nothing more. I have repeatedly asked for this information to be provided to me and if they could not provide the information requested, that they remove the debt from all  XXXX  credit bureaus. They have yet to comply with my request to provide me with a contract or remove the debt.
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

I have been in contact with company for over a year now regarding the debt they are trying to collect. I did not make the purchase they are stating I made so I am asking for some sort of itemized bill in which they have not given me. I have been asking every month when they send the collection notice and we are going in circles. I have received the exact same statement showing a balance. This issue is negatively impacting my credit and as you can see I have never paid a single bill late and this is reflecting poorly on me. Every time I speak to someone they are dismissive and just yes me and nothing gets done about my issue. As well the debt was first being collected by XXXX Bank then was transferred to JH Portfolio Debt Equities.
Product: Credit reporting or other personal consumer reports

I have noticed that my credit report contains incorrect personal information, which has led to the appearance of several unknown and inaccurate accounts. These errors are deeply concerning as they misrepresent my financial history and create unnecessary complications.