23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi I am XXXX XXXX, Im making this complaint against Frontline Asset Strategies for identity theft. I have never given Frontline Asset Strategies any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Frontline Asset Strategies can provide me with sufficient documentary evidence that I have any legal obligation to pay them. 

If this documentary evidence can not be produced and Frontline Asset Strategies. continues its collection efforts, I will file for litigation for actual damages caused and Frontline Asset Strategies will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy DISMSD/CLSD CHXXXX I have been informed by the courts that they did not verify this for no bureau. Consequently, litigation may follow if it is not removed immediately ... this is false and inaccurate ... I have never filed Bankruptcy ... 

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the numerous unsuccessful attempts to correct a late closed account on my credit file. Despite my persistent efforts to rectify this issue, the inaccuracies persist, negatively impacting my credit profile and causing unwarranted financial consequences. 

There is a late closed account inaccurately reported on my credit file. I have made multiple attempts to correct this error, providing supporting documentation to verify the inaccuracies. 

Despite my consistent efforts to address this matter by following the established dispute procedures, the inaccuracies regarding the late closed account persist on my credit report. Previous dispute requests have not resulted in a satisfactory resolution. 

The presence of this inaccurate information has severe consequences for my creditworthiness, affecting my ability to obtain credit, secure favorable interest rates, and maintain financial stability. 

I request that you conduct a thorough and expedited investigation into the inaccuracies related to the late closed account on my credit file. Attached are copies of the supporting documentation that confirm the inaccuracies and the correct account status. 

Additionally, I insist on clear and timely communication throughout the resolution process and a written confirmation once the investigation is complete. It is crucial for me to receive assurance that this late closed account will be promptly and permanently corrected on my credit history. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I will have no choice but to escalate this complaint to regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to correct these late open accounts in my credit file : XXXX  XXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$12000.00}.
Product: Debt collection

Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by ALLIED INTERSTATE, XXXX XXXX XXXX, XXXX MN XXXX, on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got an alert from my credit score indicating that I had a new account open with a Derogatory Remark from ASSETCARE LLC for an unpaid collection of {$980.00}. I haven't received any communication from this company before in any way ( phone, mail or email ). Since I had no knowledge of any unpaid amounts, I reviewed my statements from my healthcare providers and insurance companies and confirmed that I didn't have any unpaid amounts with them. Days later, the name of the company in my credit report changed from ASSETCARE LLC to COLLECTION. I send a certified letter to the address listed on my credit report ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ) requesting supporting documentation for that debt. The current status of that letter is that it was " forwarded '' due to " forwarding instructions or because the address or ZIP Code on the label was incorrect '' ( the address was exactly the same as listed on the credit score report ). 
As a result of this Derogatory Remark, my credit score fell by +100 points. Given that the ASSETCARE LLC / COLLECTION is not responding to my mail, the fact that I have no knowledge of the source for this Derogatory Remark, the change in the company name in the credit score report, and the complete lack of communication from ASSETCARE LLC / COLLECTION before affecting my credit score, I request that they provide information supporting the Derogatory Remark and that they delete it from my credit score if they are not able to provide it.
Product: Credit card or prepaid card

I I have a checking account US Bank and my account was beached on XX/XX/18. I submitted all the required documentation to US Bank on XX/XX/18. On XX/XX/18 I was informed that I would not be reimbursed for my losses. When US Bank contacted me on XX/XX/18 I verified that I did not make the transactions and still my debit card was in my possession. 
This has created a hardship for me and my family, I have not be able to pay my electric bill and water which is due to be turned out. My landlord is working with for past due rent. Any assistant you can provide will be greatly appreciated. 
I spoke to the supervisor in the Fraud Department XXXX XXXX and was inform to complete another form to continue investigation after been told my case was close. No reason provide why I not being reimbursed form my losses.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX XXXX of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XXXX XXXX under the account number ( private ), an an Charge account opened at XXXX on XXXX XXXX under the account number ( private ), a personal auto loan account opened at XXXX XXXX XXXX on XXXX XXXX under the account number ( private ), and a secured loan account opened at a secured loan account opened at XXXX XXXXXXXX XXXX  on XXXX 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 # ( private case number ) 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. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX XXXX XXXX of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau 's ( XXXX XXXX XXXX ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts to be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores. A list is listed below. XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX/American Education date opened XX/XX/XXXX XXXX XXXX XXXX/American Education date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX  date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened 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 XXXX   date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : EQUIFAX : XXXX The XXXX is going on. Ive contacted you guys time and time again since XX/XX/2017. Youve removed the fraudulent accounts but I dont know why these accounts remain on my credit report. You have done so much damage to my credit report with the remain accounts that are fraudulent and this has better be the last time that these fraudulent accounts show on my credit file and Im only allowing 24 hours for the accounts listed to be removed permanently. I am unaware of the accounts that you are listing on my credit file. I have asked for verification for the original contract and for the debt or account listed as an error several times only to be ignored. Look this is becoming a major problem and I have filed a lawsuit this time because you are taking me for a joke and you are causing damage to my life and causing stress. I have contacted the attorneys general office in XXXX County along with the FTC to get this matter resolve immediately and permanently. I will make sure that this incident sees a judge in a civil courtroom. 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX   6. XXXX XXXX XXXX. REMOVE ALL THE LISTED FRAUDULENT ACCOUNTS WITHIN 24 HOURS IMMEDIATELY AND PERMANENTLY. REMOVE REMOVE REMOVE. The inquiries that are unrecognizable and that Im unaware of are in the attachment area. I did not give anyone my consent to open any new credit. Your company is at fault and I demand that you remove the bogus accounts and inquiries today or else. REMOVE ERRORED ACCOUNTS LISTED AND INQUIRIES LISTED AS WELL. I dont want to see another error listed on my account and please send me a copy of a credit report revised with the mistakes removed. My credit is showing me that these accounts are still listed on my credit and Ive asked you to remove them permanently. You have no verifiable evidence with no original contract with my signature so by law you must removed them immediately and permanently. I have filed a lawsuit on the following credit bureau agencies for using my consent without my knowledge and for breaking the laws within the FCRA. I have placed several sections that you have violated. You have violated my rights in many ways and I look to take this to civil court. I demand that my credit report is cleared of the accounts listed and remove the errors your company placed on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance {$500.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$9000.00} XXXX , XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance {$9000.00} XXXX XXXX Inquiry : XX/XX/2022
Product: Credit reporting

I am writing this letter to inform Experian to remove all information pertaining to XXXX account # 's XXXX, XXXX, and XXXX. I would also like to have this company blocked from ever being able to report any information about me in the future. Although XXXX agreed to delete account # XXXX on XXXX XXXX, XXXX ( letter enclosed ), XXXX simply created another account number ( XXXX ) by rearranging the previous account numbers, and used my social security number to open another account with them on XXXX/XXXX/XXXX. XXXX alleges that I used a car for collateral to open this personal loan account on XXXX/XXXX/XXXX ( collateral letter that was notarized, is enclosed ). This information is completely false and illegal and should not appear on my credit report. I have been disputing XXXX since XXXX with Experian. For some reason my dispute letters were ignore and unnoticed. I constantly asked for verification of the account ( disputes information that was sent certified mail with return receipt or uploaded for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX are enclosed. ) XXXX did not verify the account with me, after the dispute on XXXX/XXXX/XXXX, until XXXX/XXXX/XXXX! Even though the information that I requested was not received from XXXX, nor did Experian provide me with any information that they recovered. Experian continued to report that the information XXXX are reporting is accurate. Because of this negative information, I have been denied credit and have had high interest rates. It was my understanding that the company and Credit Bureaus had 30 days to verify the account information with the customer. I feel that my rights as a consumer have been violated with XXXX and Experian. At this point I have enclosed all letters indicating that no accounts should be reporting to Experian at all. I ask that Experian do not allow XXXX to report anything on my Experian report due to illegal credit reporting activity and to block XXXX from any reporting activity on my Experian report. This information has been sent to XXXX and Consumer Financial Protection Bureau. 
Please do not continue to allow XXXX to damage my credit with false and illegal activity.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

Discover Card has misleading information and has not shared credit injury findings. Approximately 3 months ago, I noticed my payments were not reflected on my account. When I contacted Discover Card, I was made aware that my account was suspended and that several offers were sent to me. I advised the representative that I have never received offers to assist with making my account current. However, I was told that my account would continue the suspense status until a review of my credit report around the XXXX of the month. Also, I will not be updated on the findings of Discover reviewing my credit report and other credit accounts ( performing monthly credit card inquiries ). I continued to pay discover with payments above minimum requirements due to discover only offering a program that would continue the suspense for 6 months or 12 after I complete the program. The card will be placed under a credit inquiry on the XXXX of the month to see if the suspense will be lifted. Discover has been running credit inquiries without my permission ; discover has not shared the results of the credit inquiry. Discover only has permission to run identity theft checks to protect me, discover has refused to inform me of the credit inquiry, only stating, " we can do this because of suspense. ". I expressed that if the account is in fact closed, I must be informed that Discover has denied the account being closed. Discover will continue to perform inquiries on my credit report/profile. When an account is available for status updates and changes, the consumer must be notified. Discovers does not have permission to run my credit report without my knowledge or consent.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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, has violated my rights. 15 U.S.C 1681 section 602 A. States I right the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I purchased a trip from a travel agent XXXX XXXX of XXXX XXXX XXXX to the XXXX XXXX which included the resort, events, and a boat party. I started making payments to XXXX via a merchant processing company called Partially in XX/XX/XXXX until XX/XX/XXXX for a sum of {$1300.00} for the travel package. I then later sent {$100.00} via XXXX to pay for the boat party. The dates for the trio was XX/XX/XXXX til XX/XX/XXXX. 

On XX/XX/XXXX, when I arrived to the XXXX XXXX I found out that I did not have a reservation. XXXX XXXX had not transferred the monies to the resort. This was true for myself and about XXXX other travel people. I also found out on XX/XX/XXXX that XXXX was deceased as of that day. I had to repurchase a room at the resort in order to have somewhere to stay after traveling to XXXX XXXX XXXX 

I tried resolving this through Chime bank, which was the account I used to make monthly payments to XXXX and the card used to XXXX XXXX for the boat party. I filed a dispute " for services/goods not rendered. Chime denied my dispute saying they found no error. Several of the other travelers are getting their refunds and I feel that Chime should refund mine as well. 

I sent documents showing where I purchased the trip, had to repurchase the day I got there, and XXXXXXXX XXXX XXXX.
Product: Debt collection

I sent EASTERN ACCOUNT SYST, at XXXX XXXX XXXX XXXX, CT XXXX. a validation of debt letter an I still haven't heard from them or received any letter from them validating the debt they say I owe. I sent a letter through U.S postal service certificated mail. I also have a copy of the letter I sent that an both my letter and the one I sent them are notarized by the same person at the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to the CFPB complaint XXXX. I would like for you to again perform an independent investigation into the accuracy of these accounts and to remove or update them because of the dispute reasons that I have listed in the complaint referenced. In addition, I need to see where you're getting this information from because I don't believe that you ever reached out to these creditors! I would like to see the documentation that was used to determine the accuracy of these accounts. I'm not sure why you're saying that they're accurate, because I'm sending you irrefutable facts taken directly from my credit report! How is this possible that you're in charge of maintaining the data on my credit report but fail to ensure its accuracy? I would like to see the paperwork, contracts, receipts, statements, logs, etc. that were used in this so-called investigation. If you can't furnish what I've requested, these accounts need to be updated or removed from my credit report. Please see the attached letter that is dated, and time stamped. Please send me everything you have on these accounts : XXXXXXXX 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

the usa credit bureaus have failed to correct errors in their reports within the allotted time. 

1. debt collection report : fraudulent report. Previously deleted/removed for that reason. A new company is reporting the same item with its new personal date. 
I only have contact with a mail service in Texas. 
1a. Not mine, also, the statute of limitations for an action on the stated ORIGINAL item is 2 years ( texas ). By which it must be removed. 

2. XXXX is not my name. remove it. Crossed accounts? 

3. XXXX is not my telephone number. remove it.