23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A fraudulent account with XXXX XXXX XXXX was opened in my name on XX/XX/2024 totaling over {$2000.00}, and send to The billing address associated with the account is XXXX XXXX XXXX, XXXX, NJ which does not exist.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a dispute with the cfpb about midland credit management account number XXXX Complaint numbers XXXX and XXXX with XXXX  and XXXX. 
Mentioned in the dispute is how midland is deliberately reporting inaccurate information on my report. In several disputes with XXXX  and XXXX, I have asked the company for proof that this account or alleged debt belongs to me. Midland, XXXX and XXXX have failed to provide adequate information to me. Midland is reporting a collection as open with XXXX  even and marked it as meeting fcra regulations. That is incorrect and a clear violation. To make matters worse, midland shows the date of last activity with XXXX  as XX/XX/XXXX and XX/XX/XXXX with XXXX. I have not made any sort of payment or arrangement for this alleged debt. Midland is updating the date of last activity to re-age the account and continue to harm me and my credit score. I demand that Midland provide proof to me. I request full validation including a contract with my signature that says I agreed to pay midland credit management something. Not some bill or statement that just has name and address. I was previously a victim of id several data leaks including the one with XXXX, employers and XXXX XXXX XXXX. Therefore I request the that midland provides me with the purchase agreement and original contract with my signature
Product: Debt collection

I paid National credit systemsXXXX XXXX XXXX to delete off my credit report on XXXX XXXX. I also paid XXXX to national credit systemsXXXX XXXX XXXX XX/XX/22
Product: Debt collection

I am writing to dispute the validity of the debt referenced in the collection notices I received. I have no knowledge or recollection of these alleged debts, and I am requesting immediate verification and validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

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

I am an identity theft victim these items listed are a direct result of identity theft. Contacted bureaus XX/XX/22 and yet to get a repsonse. 

Experian and XXXX are in Violation ( ii ) Title V of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 through 6827 ) Accounts are affecting the ability for me to purchase a home for me and my family. 

XXXX XXXX XXXX XXXX XXXX BANK XXXX Experian XXXX XXXX XXXX : Account number XXXX XXXX  XXXX XXXX XXXX Account number XXXX BANK XXXX XXXX Account number XXXX XXXX : Account number XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ALSO PREVIOUSLY REQUESTED THAT IF YOU ALL CHOOSE TO INACURRATELY RESCIND OR DENY MY INITIAL REQUEST, THAT YOU ALL SEND COPIES OF PROOF OF MANUAL VERIFICATION METHOD FROM THE CREDITORS. 

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers of information.

3. The method of communication you used to verify the information As of today, I've yet to get any of this information
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX me to paid a membership in order to see me credit report or block my credit report after I get an email from them notifying my credit report is unfreeze and I can not unfreeze because I cancel my membership. Also I get many unwanted and advertising emails to affiliate a third party. Force to agree with consumer info. XXXX to released my credit information to have access to my credit. This actions manipulate and uses another third parties are XXXX. Please STOP force me to have a membership in order to access to my credit information.
Product: Debt collection

Show Me The Contract with my Signature now or Delete the Account Immediately.
Product: Credit reporting or other personal consumer reports

Experian please help me fight these fraudulent items off my report. They are affecting me in such horrible way and defamation to my character. These transaction doesn't belong to me. I never authorized or gave any consent to any creditor so please delete the accounts that are reporting on my report.
Product: Credit reporting or other personal consumer reports

Its been effecting my credit for 7 years now i had my identity stolen and XXXX  XXXX  and XXXX  XXXX bank kepts showing on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I want those accounts to be correct and updated and paid on time. I really hope that it will never happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Sent in all my proper paperwork to all three credit bureau to show I had identity theft.
Product: Debt collection

I never received any notification regarding this alleged collection. The original creditor provided us with a service that was not working and I canceled my service, at the time I canceled they said nothing was owed and service canceled. I recently pulled my credit report and I was unsure of what this was, I then saw the original creditors name next to collection company and I called them, they stated they charged me an early termination fee. This was not discolsed to me at the time I canceled, nor did they give me any option to pay this, and this is unscrupulous on each parties actions.
Product: Credit reporting or other personal consumer reports

Dear CFPB, Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization. The consumer may have given you written, unwritten, verbal and non-verbal per 15 USC 6802. Attached is the following companies who are reporting after an opt out letter and verbal communication was giving over 30 days ago. As the CFPB per 15 USC 6805 ( A ) Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follow you shall enforce this law to the following companies listed below. 

Sincerely, TD AUTO FINANCE Account Type - Detail : Auto Loan Auto Loan - Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$27000.00} {$27000.00} {$27000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$7200.00} {$7200.00} {$7200.00} High Credit : {$7200.00} {$7200.00} {$7200.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Monthly Payment : {$180.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1800.00} {$1800.00} {$1800.00} High Credit : {$3100.00} {$3100.00} {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$690.00} {$690.00} Last Reported : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$13000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove this account from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXXXXXX XXXX Act : XXXX ( XXXX ) has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Experian for them to remove the account and information that resulted due to the theft of my Identity. The last letter I sent to Experian was XX/XX/XXXX with complete attachments of my Persona information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Experian to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EXPERIAN REMOVE THE ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$850.00}
Product: Credit reporting or other personal consumer reports

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me XXXXl and financial XXXX when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Product: Payday loan, title loan, personal loan, or advance loan

I have had the same account with them for over 30 years, I am XXXX XXXX XXXX and I have paid them enough money through the years to buy a house. You can't get away from them. They have you in a vicious circle and you never get out. The minute you get behind, they just want you to renew your loan. All the money that you have paid them doesn't count anymore. You just start all over.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to express my ongoing frustration regarding two unauthorized transactions taken from my bank account. Despite my diligent efforts to dispute these transactions on several occasions, my claims continue to be rejected. 

The first transaction occurred in XX/XX/XXXX, where a total of {$3300.00} was withdrawn from my account. The second transaction took place in XX/XX/XXXX, amounting to {$1600.00}. Both transactions were conducted through ATM withdrawals and XXXX XXXX transfers, which I firmly did not authorize. 

During the time these transactions took place, I was in XXXX, and I provided proof of my situation to the bank. This included documentation of XXXX XXXX XXXX and confirmation of my address change. However, the bank 's denial letter claims that either I or someone I authorized made these withdrawals. It is critical to note that the banks policy clearly states that only the cardholder has access to the account, and I have never authorized anyone else to use my card. 

In light of this, I requested a list of authorized users on my account, only to be informed that no such users exist. The bank 's policy explicitly prohibits any additional users, reinforcing my assertion that I did not permit anyone else to access my funds. 

To further support my case, I have filed a report on identitytheft.gov, as well as a police report concerning my stolen California ID. Despite these efforts, the bank continues to deny my claims without adequately addressing the substantial evidence I have provided. I hope for a timely resolution to this matter and would appreciate any assistance in rectifying these unauthorized transactions.
Product: Credit reporting or other personal consumer reports

This account was charge off on the following date : XX/XX/year> since them the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This innacurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglet has violated my rights. I am demanding a deletion of the following account : EQUIFAX : 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 submitted a letter to the Experian and XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$240.00} XXXX  XXXX Balance : {$1600.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX  XXXX Balance : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate letter or a copy ...... THIS IS NOT A DUPLICATE or a COPY I am a real person trying to get answers on these fraudulent accounts. 

I sent a letter to Experian and XXXX XXXX on XX/XX/2022. However its been over 30 days and NOTHING. ( please help me ) .Is not making sense. They did not send my investigation back. 

When i checked out the laws it states Procedure in case of disputed accuracy.If the completeness of accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consume, and the consumer NOTIFIES the agency directly, or INDIRECTLY through a reseller, of such disputes, the agency shall, FREE OF CHARGE, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed info, or delete the item from the file according to paragraph five, before the 30 day period?
Product: Credit reporting or other personal consumer reports

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX and XXXX. They ( XXXX XXXX XXXX XXXX ) received that letter with certified returned receipt on XX/XX/year>. Their response was a " canned '' response that all is well and they are reporting EVERYTHING accurately. A second letter was sent today ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX  Date of InquiryXX/XX/XXXX XXXX XXXX XXXX  Date of InquiryXX/XX/XXXX XXXX Date of Inquiry XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of Identity theft for a period of 5 years there were many accounts opened and many inquiries that I did not authorize. I have reached out to the credit bureaus who referred me to the company who pulled the report. After trying to resolve this with the companies directly unsuccessfully, I reported the Identity Theft. I rarely use credit and to this date only have 3 authorized credit accounts. Now that I need to use my credit to guarantee a business loan for the XXXX XXXX I own, I can not due to the negative information that is in my file that was not done by me. One of these inquiries resulted in an account being opened with XXXX XXXX XXXX. XXXX XXXX XXXX  has already removed the account from my file due to the fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent letters to the following companies about a car that was repossessed in state of Virginia on about XX/XX/XXXX. Which showed on my credit with a balanced of $ XXXX.The letters that I wrote along with documents showing that someone was using my SSN from XX/XX/XXXX to XX/XX/XXXX to acquire jobs, loans and credit cards. I ask the following companies to take this fraudulent information off my credit report by verifying it was me who applied and sign for these items. All other accounts were deleted accepted the repossession of the car : I wrote to the following companies told them to delete this off my credit there saying it still me without true verification. These are the companies that I have wrote they refused : XXXX XXXX XXXX wrote them on XX/XX/XXXX ; XX/XX/XXXX no responds. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX wrote them on XX/XX/XXXX no respond but they had been known for letting people get away with Identitiy theft people using other people ID from some reports. Business is closed down.r Wrote to all 3 credit bureau on XXXX they saying it was verified without sending me any documents. 
.
Product: Credit reporting or other personal consumer reports

Wells Fargo Credit I paid off the credit card and the company gave my three credit bureaus all negative remark. When the card had no balance, and it was paid off. I called the company and XXXX couldn't believe that happened to me. She was at a lost to why, but couldn't find out why that had happened. The XXXX agreed that there was no balance that the card was paid off, so there shouldn't have been a negative remark. Wells Fargo failed to address the remarks on credit bureau. They cost me money to do this for their negligence, so they should pay me with written apology to all credit bureaus. I have been with bank since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 35 days later. I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress they caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.