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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXXXXXX CARD - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I was XXXX about the XXXX Bank of America provided to me and could not find the documentations that were signed. I kept asking for them from the new bank who is select portfolio and they would not provide them. I finally got you to get them to provide them to me and after reading the documents i will never own my home and the make home affordable act was suppose to remove some of the fees and maybe some of the amount owed not add. They did not inspect the property or handle anything well along with XXXX XXXX XXXX XXXX XXXX XXXX. I was told to vacate the home by them they were foreclosing however they never did and the home remained vacant for over a year which then the banks representatives who i hear are the worst offenders to this went broke into the home and ripped apart my boiler the pool was never winterized so it now has to be dug up at approximately {$10000.00} to repair locks radiators ceiling fans were stolen even the oil was drained from my oil tank a full tank of oil all of this had to replaced by me and i was not the one who told me i had to leave XXXX said i had to and instead of Bank of america helping me out with all this they gave me {$60000.00} extra in fees that select portfolio is stating is from inspections. If those inspections were completed my house would not have been extensively damaged the way it was. 

I want Bank of america to take responsibiltiy for this horrible abuse of power that they exhibited by taking advantage of a single mom and her XXXX children who had no where to go and keeping their home was their best option. I will be attaching the documents that Select Portfolio has finally sent only because i filed a complaint with you and I want someone to explain why I am being punished with ridiculous amounts of fees for being poor. 

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

This is my 2nd complaint that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Credit reporting

I have submitted a dispute with TransUnion for reporting a Public Record Bankruptcy on my credit report and have nothing has been done to rectify the disputed information, nor provide verification of proof. On XX/XX/XXXX, I spoke with a representative XXXX that stated that my previous letters were noted however, no action was taken except to send me an updated copy of my report showing the exact same thing that was on there before. 
I sent certified dispute letters to TransUnion dated XX/XX/XXXX and XX/XX/XXXX and nothing was done. On XXXX, I had to start an entirely new dispute all over again. And per XXXX as of XX/XX/XXXX they had, had no verification that the public information being disputed by me was indeed correct. I had till XXXX, to receive a response from their investigation and pending the result will delete the derogatory information from my report. However, When I called to inquire how long before they removed the derogatory information, public record and the 2 derogatory information being reported they claimed that it will not be deleted and I can submit another dispute again. I 've submitted disputes XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and each time I 'm told to submit new dispute all over again and wait 30 days. I think I have waited more than enough 30 days, and would like this issue rectified immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is still being reported on my XXXX report it was opened in 2006 and I have requested for it to be removed and they have fail to remove it. XXXX XXXX XXXX XXXX XXXX Ga XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX has committed multiple violations on my credit report t

heyre not 100 % accurate on my report On each bureau theyre are different high credit amounts the credit limit on XXXX is also read {$0.00} The dates opened is also different on each bureau XXXX also has a different account number as XXXX and XXXX.

I will be sending a copy of this to the FTC for them to review I will so have my attorney review these violations I will so be sending a screenshot of my credit report to show all the violations and inaccurate reporting XXXX  XXXX XXXX has made. 

XXXX XXXX XXXX needs to remove to TradeLine from my credit report as they have committed numerous violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX I have been mailing TransUnion certified letters ( see attachments ) requesting that they correct blatant inaccuracies and incomplete information on two XXXX XXXX  accounts which they continue to post to my TransUnion credit report. Now despite my letters and contradicting information provided by the original creditor, TransUnion continues to refuse to correct their errors and have only responded by stating that the incorrect information is verified. The incorrect information as of XX/XX/XXXX is : These acccounts are being reported as charge offs even after these accounts have been paid in full and discharged by XXXX XXXX  with issuance of 1099Cs ( see attachment ), the status of these accounts should be closed/paid in full, 2. ) These accounts are missing Payment History, one from XX/XX/XXXX to XX/XX/XXXX and the other from XX/XX/XXXX to XX/XX/XXXX, XXXX. These accounts are not reporting the Date of Last Activity nor the Date of 1st Delinquency, and 4. Without those dates, the Drop Off Date is incorrect.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below XXXX XXXX XXXX XXXX  Account number XXXX which still appears on my credit report even after your investigation. I recently reviewed my credit report and noticed inaccuracies on my account. I would like this account immediately reinvestigate for the same exact thing we discussed. This account is injurious to my credit score. In accordance to the fair credit reporting act public law.91-506. Title VI, section 611, subsection A-D. Please provide the names and business address in which you verified the account, so that I may follow up. Please send me an update copy of my credit report after the your reinvestigation.
Product: Debt collection

I have contacted this debt collected with no response about this debt that I know nothing about. I have asked them to remove debt still no response. This collection on all XXXX reports is effecting my life. Legally it should be removed because this is not my debt.
Product: Credit reporting or other personal consumer reports

I AM UNABLE TO MAKE AN FINANCED PURCHASES OR OPEN A BANK ACCOUNT RATHER IT IS THROUGH ONLINE OR IN THE SPECIFIED BRANCH. I KEEP RECEIVING EMAILS AND PAPERS FROM EACH BRANCH SAYING THE SAME THING ABOUT ME FALLING UNDER THE FAIR CREDIT REPORTING ACT AND 4 HARD INQUIRIES. THE INQUIRED ACCOUNTS THAT WERE OPEN AND AUTOMATICALLY CLOSE WAS TO SEE WHERE I COULD CASH A CHECK IN BECAUSE MY VERIFICATION KEEPS GETTING DENIED SINCE MY NAME ON MY ID DO NOT MATCH WITH THE CHECK BECAUSE I HAVE AN ADDITIONAL APOSTROPHE IN MY NAME. I HAVE NO CREDIT HISTORY, EXPENSES, DEBT, FEES, CHARGES, OR ANYTHING. I AM ASKING FOR MY INQUIRIES TO BE DISPUTED AND CLOSED OFF ALL CLOSED ACCOUNTS THE ONLY BANKING ACCOUNT I HAVE OPEN AND IS BEING USED IS XXXX I HAVE NOT HAD THE CHANCE TO BUILD ANY CREDIT AND DO NOT HAVE ACCESS INTO DOING SO LET ALONG SET UP A BANK ACCOUNT WITH MY LOCAL BANKING INSTITUTION IN MY AREA.
Product: Credit reporting or other personal consumer reports

I DO NOT consent to any automated scan response or e- Oscar verification methods. 

I previously disputed this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : Account number XXXX XXXX XXXX XXXX did not show me all of the above information, can you please remove this item from my credit report immediately. Under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, you are required to provide this information within 30 days upon request or release the invalidated debt information from my credit report. 

As you know, all incorrect and inaccurate information MUST be IMMEDIATELY REMOVED from my credit report. 

XXXX removed this account from my report and i demand Experian also remove. 

Please refer to complaint number- XXXX filed with the CFPB. 

Company agreed to delete collections account from credit report CRA Experian continues to return account as verified, but is still reporting No Data for all months along with inaccurate payments and status and no payment history and other information is missing. The company has not provided this information upon several disputes and this account should be deleted immediately according to the FCRA. The company can not provide complete and accurate information. Please delete this account from my credit report and profile to avoid further escalation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, my credit score dropped XXXX points in which I have no reasoning behind this massive drop in score. I have no defaults, no major problems with my credit, and no issues with credit in general and around that time. 

XXXX, XXXX, and Experian all told me the same thing on the phone when trying to file a dispute and that is that this is a system generated number and there is nothing I can do to fix this problem since the number is generated by an automated system. 

To this day, I still do not see any derogatory marks on my credit that would cause it to drop by XXXX points at that time and it has been really hard to get my score back up to where it was because of such a large drop. I am not sure how to get this fixed since they all told me that they can not do anything to fix it. 

My social security number was found on the dark web about a year or so ago so once I found that out, I froze all of my credit account but it is possible someone could have still used my social for malicious intent. This is the only possible cause of my credit lowering by XXXX points in just a one month period. Other than that, I would like to submit a complaint to all three credit servicers to try and get this resolved.
Product: Debt collection

Today XX/XX/2021 around XXXX XXXX  someone from Discover credit card called my place of employment, the phone call was transferred to my desk, I picked up the phone and identified myself, then the caller explained to me the reason for the call, after that, I told her that I was at my place of employment and that I was not in a private place to talk about my debt and that I was not allowed to take personal phone calls, ( XXXX XXXX XXXX XXXX XXXX XXXX  but nothing that I said stopped her from trying to go over my debt and options that they have for me. I had no other option than to hang the phone call. Then, my co-workers began questioning me what the call was about. 
I enrolled with -XXXX XXXX XXXX- because my debt was getting out of control. They told me that is illegal for them to call my job and that I should report any debt collector that called my job. I just want them to stop calling my job. I Called Discover to inform them that I have enrolled with XXXX XXXX XXXX and that it will take time until we reach an agreement. All I need is help to stop Discover from calling my place of employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting another CFPB complaint once again. Again, I was a victim of identity theft and this is my sixth CFPB complaint trying to request to block or remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts not later than 4 business days after XX/XX/XXXX, the date of the dispute letter I recently sent. Ive already included this report in my previous CFPB complaints & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This letter is to notify the Credit Bureaus if they do not REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. This is your FINAL WARNING. Please REMOVE the ACCOUNTS resulting from alleged identity theft. Here is the list of accounts that should be removed as soon as possible : XXXX XXXX  XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$86000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disappointed by the actions taken by the Credit Reporting Agencies and continued reporting the disputed accounts without providing me copies of proof of verification for the accounts the Credit Bureaus claim as verified. I conducted a research with my Credit Report and noticed that : 1 ) there are accounts reporting late payments on my Credit Report even though it is clear that I never missed a payment ; 2 ) there are closed accounts reporting late payments even though the accounts are closed and the balance is 0 ; 3 ) charge off accounts reporting balance or accounts reporting even without my knowledge ; and 4 ) there are accounts reporting on some Credit Bureaus even though it was deleted from the other Credit Bureaus. I am submitting this CFPB Complaint to request that the accounts be corrected and or deleted : XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$6600.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance XXXX : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

Since the XXXX in XXXX of XXXX XXXX I have been bombarded on my credit report with inquiries numerous even in his last year I don't know what's going on but I've tried to pull my credit report I did have a freeze on it and a credit lock and yet I was notified again yesterday through a company of law firm that my medical has been breached through XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX and I'm just beside myself on where to start or how to handle any of this they are coming in from different inquiries from anywhere from mortgages XXXX XXXX anywhere from credit cards Bank inquiries you name it XXXX numerous I mean hundreds of inquiries this has dropped my credit score from the XXXX XXXX years ago down to a XXXX I do know. That the IRS contact me that someone has filed XXXX taxes on me I went for a refund on my stimulus I can not get it because I have to prove my identity and wait a minute they took my identity now I have to fight to get it back this is really ridiculous on a woman that lives on a XXXX XXXX XXXX XXXX check so please tell me what to do I'm ready to move forward on this I will try and pull my credit reports and have all this information so I can send screenshots I do not know please contact me on how to do this there's also I have had thousands upon thousands of fake profiles on me through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been evicted from my apartment due to being XXXX XXXX XXXX and not being able to get my XXXX till late I owe medical bills because I had to move from my state to another state my XXXX did not pick up properly so now after XXXX XXXX XXXX  I owe hospital bills Dr bills I don't know what to do can not find the lawyer to take this I'm sorry but I don't have the money to pay out every month for a walk on my credit or freeze I think this is ridiculous for the poor people XXXX is where it all started at I couldn't even File a proper claim against XXXX due to being crammed and they only wanted to pay for 20 hours {$15.00} an hour this has been going on for almost 5 years they have shut down XXXX XXXX XXXX XXXX  account now they have got my XXXX XXXX account which had been open for XXXX XXXX. So you seen it's not just one instead of one thing it's been a variety of things from the social media internet to XXXX to XXXX to XXXX you name it I have seen money moved like you would not believe behind the scenes trying to drag me in on these scams I won't do it please lead a XXXX XXXX XXXX XXXX with a woman on what to do thank you very much looking forward to hearing from you.
Product: Student loan

I have been trying to get student loan forgiveness for years now I havent been working. Havent been able to find work been in the hospital. I dont have a way to pay any of it back. What do I need to do to get the student loan forgiveness Im just not able to make the payments at all, havent worked for years because of XXXX problems
Product: Debt collection

This company is attempting to collect a disputed debt that is presently being investigated by the FL Atty General and several other entities. This is related to a XXXX student loan, which I have also filed a complaint against with you, due to their repeated violations of the Fair Debt Collections practices Act ( by disregarding 2 cease and desist letters issue to them ). In addition to XXXX continuing collection calls, they have turned this disputed account over to Ascendium Education Group in an effort to collect and harass me about this disputed account. They called me repeatedly - 11 times on XX/XX/2022. This is clear violation of debt collection laws and needs to stop.
Product: Debt collection

I reviewed my credit report and noticed a debt that had been paid yet it is still appearing on my credit report. I do not owe this debt and would like to have it removed from my report from all three of the major reporting agencies.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit card or prepaid card

Capital One continues to send UNSOLICITED credit card offers to my house for a person named XXXX XXXX. This person has not lived at this address in over 7 years. Capital One sends on average of 4-5 offers PER WEEK. I have consistently asked them to STOP SENDING these offers to this address. Yet they continue to do so, and I am tired of it. We are NOT interested in any Capital One products, we currently DO NOT have any Capital One products, and we do NOT PLAN on obtaining any Capital One products.