23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/2018 I sent a certified letter requesting Equifax to investigate the accounts that were appearing on my credit report and to send me proof and original signed contract with my signature on it using Section 609 ( a ) ( 1 ) ( A ) which they are required by federal law to show proof that the debt is valid and they have not been able to prove this information. I have also sent a second letter on XX/XX/2018 requesting a second time for Equifax to remove student loans that are appearing on my credit report and I have disputed them as fraud and have submitted a FTC fraud form along with 2 police reports stating that these accounts are fraud and that they should be removed due to fraud and that the company XXXX can not produce an original signed document with my signature. I am requesting assistance with this issue I have also sent them a copy of my XXXX report that shows that theses accounts have been deleted due to the fact that these companies did not verify with XXXX that these accounts were valid, however Equifax has continued to state that these accounts have been verified but has not submitted proof. I am prepared to move forward with legal action with guidance from your office if that is an option for me. I am attaching documents that support my claim. Two notarized disputes letters, Copy of deleted accounts that I have disputed with XXXX, Certified mail receipts to Equifax, Two policed reports for identity theft, and the FTC Identity theft report. 

I thank you in advance for your effort and attention XXXX XXXX
Product: Credit reporting or other personal consumer reports

Incorrect information on credit report such as addresses 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 am writing to formally request the blocking and deletion of the following accounts and associated inquiries from my credit report, as I am a victim of a recent data breach. I believe fraudulent activity has taken place involving these accounts, and under the provisions of 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that these items be removed from my credit report. 
Accounts to be blocked and deleted : XXXX. XXXX - Account Number : XXXX - XX/XX/XXXX - {$160.00} XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$530.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$330.00} XXXX. XXXX - Account Number : XXXX - XX/XX/XXXX - {$170.00} XXXX. XXXX - Account Number : XXXX - XX/XX/XXXX - {$150.00} XXXX. XXXX - Account Number : XXXX - XX/XX/XXXX - {$160.00} XXXX. XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$98.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$98.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$4600.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$150.00} XXXXXXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$340.00} XXXX. XXXX - Account Number : XXXX - XX/XX/XXXX - {$1000.00} XXXX. US DEPT ED - Account Number : XXXX - XX/XX/XXXX - {$1200.00} XXXX. US DEPT ED - Account Number : XXXX - XX/XX/XXXX - {$4100.00} XXXX. US DEPT ED - Account Number : XXXX - XX/XX/XXXX - {$7800.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$0.00} Inquiries to be blocked and deleted : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax is not allowing consumers to freeze or unfreeze credit. Equifax 's site says " We are temporarily unable to complete this request '' and there is no customer service available. People on Equifax 's social media sites have been struggling with this apparenty for weeks.
Product: Credit reporting

I have been separated from XXXX XXXX XXXX XXXX since the beginning of XX/XX/XXXX living with my grand farther in XXXX XXXX XXXX and never gave anyone permission to sign my name and to commit fraud on my credit. She has signed my name and gave my social security no. to approximately XXXX credit card agencies maxing them out due to looking at my credit report. I have never went back to XXXX XXXX since I left in the beginning of XX/XX/XXXX. 
Below are XXXX she committed fraud and signed my name ( copied from credit report ). 
Please help me clear up all these credit cards she has committed fraud by using my social security and signing my name and do what you can to prosecute her to the fullest extent of the law.. 
Also she is on probation which should make fraud immediate. Below is her probation office number and name. 
XXXX XXXX XXXX : Probation office number, Name : XXXX XXXX or XXXX. 



MABT/CONTFIN # XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Date Opened:XX/XX/XXXX Balance : $ XXXX # XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Opened:XX/XX/XXXXResponsibility : Individual AccountAccount Type : Revolving AccountLoan Type : CHARGE ACCOUNTBalance : $ XXXX Updated:XX/XX/XXXXPayment Received : $ XXXX Balance : $ XXXX Limit : $ XXXX Status : Current ; Paid or Paying as Agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # : XXXX I have disputed this account information as inaccurate with Equifax . I have not received a response from Equifax and I understand the FCRA requires credit bureaus to verify the validity of the item within 30 days. If the validity can not be verified, they are obligated by law to remove the item. There is a clear case of unverified debt here. 

XX/XX/XXXX - Dispute sent to Equifax requesting clarification regarding the information reported or removal of this account immediately from my credit history report. 

XX/XX/XXXX - Dispute sent to Equifax requesting clarification regarding the information reported or removal of this account immediately from my credit history report. 

XX/XX/XXXX - Dispute sent to Equifax requesting clarification regarding the information reported or removal of this account immediately from my credit history report. 

XX/XX/XXXX - Dispute sent to Equifax requesting clarification regarding the information reported or removal of this account immediately from my credit history report.
Product: Credit reporting 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request to the Credit Burueas that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$54000.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXXXXXX : Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was trying to buy a home so I can better me and my family lives and I realized that there were some damages on my credit report. I have already been in breaches and I thought you were going to protect my information from there. This is A Defamation of my character because it is affecting my livelihood. Now me and my family are being impacted emotionally and mentally. According to 15 U.S.C And 1681 You have broke the law because these damages are fraud and I am trying to move forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$7000.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Request for Removal of Derogatory Accounts Based on XXXX 's Investigation On XX/XX/2023, I received communication from XXXX stating that they conducted an investigation into certain derogatory accounts on my credit report and subsequently removed them from their records. I am kindly requesting XXXX and Experian to take the appropriate steps to update my credit report accordingly. 

As per the Fair Credit Reporting Act ( FCRA ) and the rights it affords consumers, it is my understanding that each credit reporting agency must ensure the accuracy and completeness of the information on the credit reports they generate. XXXX 's investigation found errors in the reporting of certain accounts, leading to their removal. Therefore, I believe it is essential for XXXX and Experian to reflect this updated and accurate information on my credit report as well. 

To facilitate the process, I have included the following relevant details : Account information as listed on my XXXX report : Account Name XXXX XXXX Account number XXXX Account Name - XXXX XXXXXXXX Account XXXX XXXX Account Name -XXXX XXXX Account number XXXX Account Name -BK OF XXXX Account number XXXX Account Name -XXXX Account number XXXX Account Name XXXX, XXXX Account number XXXX Account Name XXXX, XXXX Account number XXXX Account Name XXXXXXXX XXXX ( debt collector is illegally contacting me ) Account number XXXX Account Name -XXXX Account number XXXX, XXXX Please delete these accounts now, or I will have to start the arbitration process through the courts for the multiple violations that has been committed. 


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 states : a consumer reporting agency can not furnish a accounts without my written instructions. 15 USC 1681 ( 602 ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to PRIVACY.
Product: Credit card or prepaid card

I made a purchase on XX/XX/XXXXXXXX  in the amount of {$2000.00} on my Discover Card to XXXX XXXX XXXX. I was set to go on a trip in XXXX of XXXX, they initially re-scheduled my trip to XX/XX/XXXX. 

During the Pandemic, the company of XXXX XXXX XXXX filed for Insolvency. I was informed to reach out to the Credit Card to file a dispute. Which I did, multiple times. 

Discover has since said I need to reach out to the Merchant to resolve this, that there is nothing else they can do on their end. But as I explained, the Merchant is no longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 9 accounts on my credit report reporting on three bureaus that do not belong to me. These accounts were opened fraudulently and I have not signed nor applied for this. 
XXXX  XXXX XXXX - Acct # XXXX XXXX {$20000.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX {$5200.00} Opened XX/XX/XXXX XXXX XXXX  - Acct # XXXX XXXX {$3500.00} Opened XX/XX/XXXX XXXX XXXX  XXXX XXXX Acct # XXXX Amt {$5700.00} OpenedXXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX Amt {$5300.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX {$10000.00} Opened XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX XXXX {$6000.00} Opened XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX XXXX {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX {$20000.00} Opened XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX Capital One Bank XXXX Checking Account was frozen due to XXXX funds being deposited, the bank requested XXXX tax returns and bank statements showing the tax refund being deposited. As well as an official form From the XXXX stating that the loan funds were paid back in full and the loan is now closed out. I filed a complaint before on this matter Capital One was supposed to return the funds to the lender and close the account, its been almost 8 months and the bank is still holding the money and wont release it to ether the lender or to my self. There is no longer an active loan due to the pay off in full and its been 8 months and the law states the bank needs to return the fund from the account in a reasonable amount of time. 8 months is NOT REASONABLE IN ANY SITUATION. 
I want my funds and the account to be closed there is no reason why it should take 8 months to return funds and close an account. The amount the bank is holding from me is {$2100.00}.
Product: Debt collection

In XX/XX/2020 debt collector contacted me on be half of original creditor ( XXXX XXXX XXXX ) apartment owner. The debt collector claimed I have unpaid amount of {$590.00}. Right away I checked on my bank account and saw the image of cleared check. The snapshot of the check has handwriting mark of check depositor with my apartment name on it. I contacted the XXXX XXXX XXXX to confirm, they confirmed I do not have unpaid dues. In XXXX, I received few calls from debt collector which I didn't answer since I was out of country and they left me a voicemail. 

Inspite of explaining debt collector and confirming with original debt collector. They filed a complain against me on credit report. Now they have ruined my history. Very unprofessional
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Money transfer, virtual currency, or money service

I made an international wire transfer with CHASE wire transfer to XXXX, the convertion was correct and they even charged me a fee, after the transfer was effective the school i was applying to informed me that they only received XXXX euros instead of the XXXX euros required. I then called Customer Service and spoke with XXXX, XXXX, XXXX and XXXX, THEY FAILED TO inform why this happenes i particularly asked if it was because of a fee from the recipient bank or if it was an error they were unable to respond to my questions. Lastly XXXX sent me online to inquiry about the transaction to get me out of the line. 

I submitted the inquiry and received no response, this is a clear show of lack of transparency when doing bussiness. I ended up submitting a new transaction with a new fee for more money to complete the XXXX euros the university was requiring as payment. 


I am demanding a response and if this is a fee from the recipient bank i need to know what is that fee to make my future payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my annual credit report I noticed a hard inquire that I never approved from XXXX on XX/XX/2017. I attempted to reach creditor and was unable to.
Product: Credit card or prepaid card

There was a {$350.00} transaction paid by my Bank of America credit card through XXXX on XX/XX/21 which went onto dispute. 

The dispute continued with Bank of America 's process and a full refund of {$350.00} was issued on XX/XX/21. 

XXXX issued a temporary credit of {$140.00} back to the credit card on XX/XX/21 The problem is that then on XX/XX/21 XXXX reversed the {$140.00} temporary credit from my XXXX account instead of the credit card account. Bank of America made ANOTHER reversal of {$140.00} from the credit card on XX/XX/21. 

Basically, the {$140.00} credit was issued once and reversed TWICE. Bank of America says it's XXXX 's issue and XXXX says it's Bank of America 's issue. 

Someone needs to re-issue the {$140.00} credit back to me.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report this morning, I was shocked to find unauthorized inquiries that shouldnt be there. I refresh my browser to see if this was some temporary glitch, but nothing changed. I am extremely frustrated and ask that the documents I sent be carefully examined so I can put this issue behind me once and for all.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning my credit report. Despite my repeated efforts over the previous attempts to rectify the errors, my credit report still inaccurately reflects late open accounts and includes a public record that should be removed. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report. I have provided the necessary documentation and evidence in my previous disputes to support my claims. However, it is disheartening that these errors have not been corrected, negatively impacting my credit score and financial standing.These errors are not resolved promptly, so I will seek assistance from you and pursue legal action to ensure my rights are protected. Kindly help me correct the late open accounts and remove the public record immediately : XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. XXXX XXXX XXXX Balance Owed : {$1100.00} Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. Chapter XXXX Bankruptcy Reference # : XXXX This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the XXXX statute of limitations that a credit bureau can report. Please update the filing date and then remove it.